5.0
Reliable
Reliable, clean, without feature bloat
The first planet-based account
An everyday account that does good along the way 🥁All in one app. Starting at 0€.
Awarded sustainable banking, loved by our customers
Hi, we are Tomorrow 👋
Different from most other banks, our 125,000 customers know that with a Tomorrow account not a single cent funds causes which harm humans or the planet.
On top you’ll get a free Visa debit card, a great overview of your spendings, customer support by real humans - and further features that finally make managing your finances feel good.
In short: an account with all the bells and whistles, that fits your values.
Excellent! More than 2290 reviews- 5.0
I’m a fan
Awesome app, great customer service, finally something a bank that is both sustainsble and modern. Happy to pay and support this! - 5.0
Very happy!
Very happy with the app and the concept of the bank. I have been a customer for many years and can only recomment it! - 5.0
Great modern Banking Service
Great modern Banking Service, with the Future in mind 💚 - 5.0
Ethical banking for digital natives
Modern banking experience with delightful UX and sound ethics - 5.0
Reliable
Reliable, clean, without feature bloat - 5.0
I’m a fan
Awesome app, great customer service, finally something a bank that is both sustainsble and modern. Happy to pay and support this! - 5.0
Very happy!
Very happy with the app and the concept of the bank. I have been a customer for many years and can only recomment it! - 5.0
Great modern Banking Service
Great modern Banking Service, with the Future in mind 💚 - 5.0
Ethical banking for digital natives
Modern banking experience with delightful UX and sound ethics - 5.0
Reliable
Reliable, clean, without feature bloat - 5.0
I’m a fan
Awesome app, great customer service, finally something a bank that is both sustainsble and modern. Happy to pay and support this! - 5.0
Very happy!
Very happy with the app and the concept of the bank. I have been a customer for many years and can only recomment it! - 5.0
Great modern Banking Service
Great modern Banking Service, with the Future in mind 💚 - 5.0
Ethical banking for digital natives
Modern banking experience with delightful UX and sound ethics
The perfect card for everyday & on the road
💳
Free Visa debit card
In addition you will receive a free virtual card that you can easily add to Apple Pay or Google Pay to conveniently pay via smartphone.
🌍
Pay and withdraw worldwide
Pay anywhere in the world for free and withdraw cash at any Visa ATM .³
🔒
Deposit guarantee scheme
Your account has a German IBAN and is insured up to €100,000 by the German deposit guarantee scheme.
🌱
Protect the climate on the side
Every time you use your card, Tomorrow contributes to restoring a healthy ecosystem in South Africa.
A banking app for more overview and control
📊
Control your spendings
The monthly overview automatically categorizes your spending, so you always know where your money is going.
💬
Real-time notifications
With every payment, you’ll get a push notification, and the amount is deducted from your account immediately.
💰
Sub-accounts
With pockets, you can save money easily: automatically every month or manually whenever you want.
📈
2.5% Interest*
Your money grows with the savings account: risk-free and always available.
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Cute features that make managing money feel fun, not like… well, money
👻
Pickpocket
You heard correctly! Your personal pickpocket steals money from your own account - this way you don’t even have to think about saving.
💸
Real-time transfers
Your transfers happen instantly, securely, and directly from the app.
💚
Rounding Up
Round up your payments and help fund social justice projects effortlessly.
Do you need more reasons? Check them out.👇
🏦Secure banking, BaFin-regulated, based in Hamburg
🤝What’s better than a branch bank? Not needing one!
🌍Guaranteed no greenwashing. We mean it.
Start Tomorrow for free and make a positive impact with your money.
In 3 easy steps: 1. Download the app 2. Open your account in 8 minutes 3. Start trying it today
📲 No paperwork. 🏃♀️ No obligations. 🔒 Secure & GDPR-compliant. 💬 Trusted by 125,000 people.
Choose your account
Now
The Account for Getting Started
from €0 per month
- Free Visa debit card
additional virtual card
- 1 free withdrawl per month**
- Pay for free worldwide
- Every card payment protects the climate
- Savings Account
Up to 2.5% interest p.a.
- 2 Sub-accounts
Change
The Account for Everyday Use
€8 per month
or €87 per year
- All Now advantages
- 5 free withdrawals per month³
- 6 sub accounts included
- Shared account
- Choice of 5 card designs
Zero
The account with extra climate protection
€17 per month
or €187 per year
- All Now & Change advantages
- Unlimited free withdrawals³
- Unlimited sub accounts
- Free wooden card
- CO₂ savings
Subscriptions
Compare accounts 👇
The most important facts at a glance
Now
from €0 per month
Change
€8 per monthor €87 per year
Zero
€17 per monthor €187 per year
Bank account ¹
- Shared account
Share an additional account with your +1
In subscription Now: not includedIn subscription Change: includedIn subscription Zero: included - Savings Account
Monthly interest payout
In subscription Now: includedup to 2.5% interest*
In subscription Change: includedup to 2.5% interest*
In subscription Zero: includedup to 2.5% interest*
- Free domestic withdrawals³
Thereafter 3€ / withdrawal
In subscription Now: 1**In subscription Change: 5In subscription Zero: unlimited - Pay and withdraw money worldwide without additional fees³In subscription Now: includedIn subscription Change: includedIn subscription Zero: included
- Deposit cash
Via app at our partner stores
In subscription Now: included1.5% per deposit
In subscription Change: included1.5% per deposit
In subscription Zero: includedFree of charge
- SEPA-Instant
Free real-time transfers
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - Overdraft
Option of overdraft with interest rate of 9.75% p.a.⁴
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - Account Switching Service
Free transfer of your existing account
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - Money-back guaranteeIn subscription Now: not includedIn subscription Change: includedIn subscription Zero: included
Debit card
- Free Visa debit cardIn subscription Now: includedIn subscription Change: includedIn subscription Zero: included
- Free virtual cardIn subscription Now: includedIn subscription Change: includedIn subscription Zero: included
- Free choice of design
Choose from all card designs
In subscription Now: not includedMotiv
In subscription Change: 4motifs
In subscription Zero: includedMotive
- Free wooden cardIn subscription Now: not included
€20 surcharge
In subscription Change: not included€ 20 surcharge
In subscription Zero: included - ApplePay & GooglePay
Mobile payments
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included
Saving
- Interest
Money grows in a savings account
In subscription Now: 2.5%*In subscription Change: 2.5%*In subscription Zero: 2.5%* - Sub accounts
Pockets for (automated) saving
In subscription Now: 2In subscription Change: 6In subscription Zero: unlimited - Monthly summary
Automated analysis of your spendings
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included
Additional contribution
- Every card payment protects the ecosystemIn subscription Now: includedIn subscription Change: includedIn subscription Zero: included
- A portion of your deposits finances sustainable projectsIn subscription Now: includedIn subscription Change: includedIn subscription Zero: included
- Rounding Up
Round up payments and support climate projects
In subscription Now: enthaltenIn subscription Change: enthaltenIn subscription Zero: enthalten - Extra climate protectionIn subscription Now: not includedIn subscription Change: not includedIn subscription Zero: included
Support
- Phone hotline
Monday - Friday, 10:30 - 13:30
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - E-Mail or Live Chat
Always there for you
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - Top customer support
90+ % satisfaction with live chat
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included
Security
- National deposit insurance²
Up to € 100,000
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - 3D secure
For online payments
In subscription Now: includedIn subscription Change: includedIn subscription Zero: included - 2-factor authenticationIn subscription Now: includedIn subscription Change: includedIn subscription Zero: included
Download the Tomorrow App now and open a sustainable account in just a few minutes.
Our strong partner in the background
The Tomorrow account is provided by our banking service provider, Solaris SE. Solaris SE is a fully regulated European bank, licensed and supervised by the German Federal Financial Supervisory Authority (BaFin). Euro deposits in the bank account are protected up to 100,000 Euro by the German Deposit Guarantee Scheme (DGS). This protection applies per customer / per bank - in this case Solaris. In case you have several accounts with Solaris, the deposit protection applies to all your accounts in total. This corresponds to the standard for all European credit institutions.
¹ Our partner Solaris SE is the provider of all banking services. Additionally Tomorrow GmbH offers the brokerage of the above-mentioned investment product as a tied agent within the meaning of § 3 para 2 WpIG in the name and for the account of lemon.markets brokerage GmbH and is entered in the public register maintained by the German Federal Financial Supervisory Authority (BaFin). The register can be viewed at https://portal.mvp.bafin.de/database/VGVInfo/vermittlerSucheForm.do.
² This protection applies per customer / per bank - in this case Solaris. In case you have several accounts with Solaris, the deposit protection applies to all your accounts in total. This corresponds to the standard for all European credit institutions.
³ Occasionally, ATM operators may charge fees over which Tomorrow has no control.
⁴ Please note that the interest rate of 9.75% p.a. is an exclusive offer until 31.03.2026. If you apply for and are granted an overdraft facility within this period, this interest rate will apply until 30.09.2026. After that, the interest rate stipulated in the T&C will apply again. Please also refer to the Rules of Participation for more information.
* Interest rate of 2.5% p.a. applies to customers who open a Tomorrow account and savings account between August 1 and December 31, 2025, for the first 90 days on a maximum balance of €50,000. Outside of the promotional period, customers receive 0.75% interest p.a. on a maximum balance of €50,000. Now customers who opened their account before February 19, 2025, cannot open a savings account. The customer must have a German tax ID. You can read all the conditions again here.
** Promotion period: Tomorrow customers who open a Now account between August 1, 2025 and July 31, 2026 will receive a free withdrawal per month.³