Tomorrow

Tomorrow is a planet-based digital bank offering a sustainable, app-first Girokonto. It provides a free Visa Debit card, real-time payments, and climate-friendly features – including rounding up payments to fund social and environmental projects, under BaFin regulation via Solaris SE. Your deposits are protected up to 100,000 EUR by German deposit protection.

• Free Visa Debit card and virtual card
• Worldwide payments and withdrawals without extra fees
• Real-time transfers and instant payment signals
• Unterkonten (Pockets) for automated saving
• Real-time notifications and security features (2FA, 3D Secure)
• BaFin-regulated with a European banking partner (Solaris SE)
• 100,000 EUR deposit protection
• Climate impact: every card payment funds environmental projects
• Investment access through Tomorrow Fund (via lemon.markets)
• Support from real humans

• Sustainable, planet-based banking that aligns with your values
• Easy-to-use app with clear insights and goal-oriented features
• No monthly account fee at the base level and transparent tiered plans
• Strong consumer protection: BaFin regulation and German deposit insurance up to 100,000 EUR
• Flexibility: multiple kontomodelle with budgeting, real-time transfers, and eco-friendly investments

• Opening account from 0€
• Kontomodelle: Now, Change, Zero
• Now: 5 free ATM withdrawals per month; after that 3€ per withdrawal
• Change: 5 free ATM withdrawals per month; after that 5€ per withdrawal
• Zero: unlimited free withdrawals
• Cash deposits via app: Now/Change 1.5% fee per deposit; Zero: free
• Tagesgeld interest up to 2.5% p.a. (promo terms apply) up to 50,000€; outside promo 0.75%
• Geld-zurück-Garantie available on Change and Zero
• SEPA Instant and free real-time transfers included on all plans