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The Tomorrow app and debit card

The first planet-based account

An everyday account that does good along the way 🥁All in one app. Starting at 0€ - for anyone under 21 or who deposits €500 into their Tomorrow account every month.
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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.

People from Tomorrow

Awarded sustainable banking, loved by our customers

App store and Play Store stars
Trustpilot review stars 4.5/5
Finanzfluss logo
Certified BCorp Logo
Contactless payment with Tomorrow Card

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 with Change & Zero 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.
Apple PayGoogle Pay

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.
  • A person holding a smartphone with the Tomorrow app open in their left hand and the Tomorrow card in their right hand.

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.👇

Start Tomorrow now 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. 🎉 Starting at 0€ - for anyone under 21 or who deposits €500 into their Tomorrow account every month. 🔒 Secure & GDPR-compliant. 💬 Trusted by 125,000 people.

🚀 Open an account now

Choose your account

Tomorrow apple debit card
Now
The Account for Getting Started
from €0 per month
For anyone under 21 or who deposits €500 into their Tomorrow account every month.
  • Free Visa debit card

    additional virtual card

  • 1 free withdrawal per month
  • Every card payment protects the climate
  • Savings Account

    Up to 2.5% interest p.a.*

  • 2 Sub-accounts
Open account
Popular
Tomorrow apple debit card
Change
The Account for Everyday Use
€8 per month
or €87 per year
  • All Now advantages
  • Pay for free worldwide
  • 5 free withdrawals per month³
  • 6 sub accounts included
  • Shared account
  • Choice of 5 card designs
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Subscriptions

Compare accounts 👇

The most important facts at a glance
Now
Tomorrow apple debit card
from €0 per month
For anyone under 21 or who deposits €500 into their Tomorrow account every month.
Change
Tomorrow apple debit card
€8 per month
or €87 per year
Zero
Tomorrow apple debit card
€17 per month
or €187 per year

Bank account ¹

  • Shared account

    Share an additional account with your +1

    In subscription Now: not included
    In subscription Change: included
    In subscription Zero: included
  • Savings Account

    Monthly interest payout

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Free domestic withdrawals³

    Thereafter 3€ / withdrawal

    In subscription Now: 1
    In subscription Change: 5
    In subscription Zero: unlimited
  • Pay and withdraw money worldwide without additional fees³
    In subscription Now: not included
    In subscription Change: included
    In subscription Zero: included
  • Deposit cash

    Via app at our partner stores

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • SEPA-Instant

    Free real-time transfers

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Overdraft

    Option of overdraft with interest rate of 9.75% p.a.

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Account Switching Service

    Free transfer of your existing account

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Money-back guarantee
    In subscription Now: not included
    In subscription Change: included
    In subscription Zero: included

Debit card

  • Free Visa debit card
    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Free virtual card
    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Free choice of design

    Choose from all card designs

    In subscription Now: not included
    In subscription Change: 4
    In subscription Zero: 5
  • Free wooden card
    In subscription Now: not included
    In subscription Change: not included
    In subscription Zero: included
  • ApplePay & GooglePay

    Mobile payments

    In subscription Now: included
    In subscription Change: included
    In 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: 2
    In subscription Change: 6
    In subscription Zero: unlimited
  • Monthly summary

    Automated analysis of your spendings

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included

Additional contribution

  • Every card payment protects the ecosystem
    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • A portion of your deposits finances sustainable projects
    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Rounding Up

    Round up payments and support climate projects

    In subscription Now: enthalten
    In subscription Change: enthalten
    In subscription Zero: enthalten
  • In subscription Now: not included
    In subscription Change: not included
    In subscription Zero: included

Support

  • E-Mail or Live Chat

    Always there for you

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • Top customer support

    90+ % satisfaction with live chat

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included

Security

  • National deposit insurance²

    Up to € 100,000

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • 3D secure

    For online payments

    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included
  • 2-factor authentication
    In subscription Now: included
    In subscription Change: included
    In subscription Zero: included

Download the Tomorrow App now and open a sustainable account in just a few minutes.

Open account now

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. In addition, the Now account model charges a 2% foreign currency fee for all withdrawals and card payments in non-euro currencies.

* Interest rate of 2.5% p.a. applies to customers who open a Tomorrow account and savings account between May 1 and May 31, 2026, 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.

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