Tomorrow
German current account whose deposits are kept out of fossil fuels and weapons, with Solaris as the licensed bank behind it
Quick Overview
| Company | Tomorrow GmbH |
|---|---|
| Category | Neobanks and Digital Banks |
| Headquarters | Hamburg, Germany |
| Founded | Not stated |
| EU Presence | Yes - Germany (EU) |
| Data Location | Germany (German IBAN, German company) |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Visa debit card, sub-accounts, savings pocket with interest, joint account, sustainable investing, account switch service |
| Pricing | Now from €0 (under 21 or €500 paid in monthly), Change €8.90 a month, Plus €17.90 a month (checked 28 October 2026) |
| Best For | Customers who want the use of their deposits to be a stated part of the product |
| Replaces | Chime, traditional high-street current accounts |
Detailed Review
Tomorrow does not hold a banking licence itself. Its imprint says that Tomorrow GmbH offers the current account in cooperation with Solaris SE, which operates the banking infrastructure as a licensed institution, while Tomorrow runs the app, customer service and, together with Solaris, the use of customer deposits.
The proposition is about where the money goes: the vendor says not a cent is invested in harmful industries such as fossil fuels or weapons, and that part of the balances finances renewable energy, social infrastructure and affordable housing.
Plans and Pricing
The Now plan costs €0 for anyone under 21 or when €500 is paid into the account every month, and includes a free Visa debit card, one free withdrawal a month and two sub-accounts, one of them with interest. Change costs €8.90 a month with five free withdrawals and six sub-accounts; Plus costs €17.90 a month with unlimited free withdrawals and sub-accounts.
The interest on the savings pocket starts at 3.1 % p.a. for the first 90 days according to the pricing page and then falls to 0.75 %, 1.25 % or 1.75 % depending on the plan.
Safety and Structure
Tomorrow states that money is protected up to €100,000 by the national deposit guarantee scheme and that the account has a German IBAN. Because Solaris SE is the licensed party, the bank-level relationship sits with Solaris, which is worth knowing before you open an account.
Tomorrow GmbH is entered in the Hamburg commercial register under HRB 146816.
Values as a Product
The sustainability claim is the reason to choose Tomorrow over a standard app bank. The vendor publishes a sustainability report and describes its impact projects, so the claim can be read rather than taken on trust.
Limitations to Consider
The free Now plan is conditional on age or a €500 monthly inflow. Tomorrow is a platform on top of a partner bank, so it does not hold its own licence. Withdrawals are limited on Now and Change, and the account is aimed at Germany. Compared with N26 or bunq, it offers fewer extras such as stock trading or business accounts.
Who Should Use Tomorrow
Customers in Germany who care about what a bank does with deposits and who can meet the €500 monthly inflow or accept a paid plan.
Pros and Cons
Pros
- Stated exclusion of fossil fuels and weapons
- German IBAN with deposit guarantee up to €100,000
- Free tier for under 21s or €500 monthly inflow
- Account switch service
- Sub-accounts with interest on every plan
Cons
- Free tier needs age or inflow condition
- No own banking licence, Solaris SE is the bank
- Few withdrawals on lower plans
- Narrower product range than larger app banks
Alternatives to Tomorrow
Other European neobanks and digital banks worth comparing before you decide:
bunq
Netherlands · Dutch licensed bank with four personal plans, free to €18.99
Lunar
Denmark · Danish bank with a free account, Plus and Unlimited plans
N26
Germany · German mobile bank with Standard, Smart, Go and Metal plans
Monzo
United Kingdom · UK app bank with pots, savings, investments and pensions
See all European neobanks and digital banks or compare them directly against Chime on our alternatives page.
Frequently Asked Questions
Tomorrow GmbH offers the account in cooperation with Solaris SE, which the imprint describes as the licensed institution running the banking infrastructure.
The Now plan is €0 for anyone under 21 or when €500 is paid in every month. Otherwise the Change plan costs €8.90 and Plus €17.90 a month.
Both are German. N26 offers trading and a wider plan range, while Tomorrow makes the use of deposits its main selling point.