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Updated September 28, 2026 · VaultCue Editorial Team

bunq vs Tomorrow

bunq scores 8.9 and Tomorrow 8.7 out of 10. Compare their differences and shared features below.
bunq

bunq

Higher score in this comparison

8.9/10
Visit
Tomorrow

Tomorrow

8.7/10
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Where bunq and Tomorrow differ

bunq vs Tomorrow
ComparebunqbunqReviewVisitVisitTomorrowTomorrowReviewSee alternativesSee alternatives
Headline rate3.01%3.1%Higher
Access termsWithdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weeklyInstant access savings account: deposit or withdraw at any time, no minimum term or notice period, interest credited monthly, rate applies on balances up to EUR 50,000, requires an open Now, Change or Plus current account

Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • bunq scores higher overall: 8.9 vs 8.7.
  • Founded is lower at bunq: 2012 vs 2018.
  • bunq is licensed in 6 more countries.
  • bunq is available in 5 more countries.
  • Headline rate is higher at Tomorrow: 3.1% vs 3.01%.

Our verdict on each

bunq

bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.

Read the full bunq review

Tomorrow

Tomorrow suits savers who keep a Now, Change or Plus current account and want a savings pot paying a 3.1% rate, with cash available on demand. Deposits sit inside the EU deposit guarantee scheme, and the trade-off is a rate that can move with the provider.

Read the full Tomorrow review

Score breakdown

bunq vs Tomorrow
AreabunqTomorrow
Cost9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan.9.1The savings account is no monthly fee with a monthly fee of €0, and currency conversion is 0% to 2%.
Offer9.1Rate of 3.01% that is variable, close to the savings median of 3%.9.1Savings are easy access, interest is credited monthly and there is no notice period, so the pot stays flexible on a variable rate.
Trust8.7Higher8.2

How they place

bunq vs Tomorrow
RankingbunqTomorrow
Savings accounts6 of 1420534 of 1420
Student, teen and kids accounts3 of 273164 of 273
Online banks3 of 402175 of 402

Every fact side by side

bunq vs Tomorrow
FactbunqTomorrow
Pricing modelNo monthly feeNo monthly fee
Legal entitybunq B.V.Tomorrow GmbH
HeadquartersNetherlandsGermany
Founded2012Lower2018
Support channelsEmail, Chat, Help centreChat, Email, Help centre

Everyday accounts

bunq vs Tomorrow
FactbunqTomorrow
Currency conversion fee3%0% to 2%Lower
AudienceExpats, Travelers, Business, StudentTeen
FeaturesJoint account, Digital onlyFree ATM, Joint account, Digital onlyCovers more
Local account detailsIBANIBAN
Free ATM withdrawalsNot confirmed€1
Transfer feeNot confirmedSEPA free; 2% foreign currency fee on non-euro payments with Now

Where each stands against the rest

bunq vs Tomorrow
FactbunqTomorrowMedian
Headline rate3.01%below the median3.1%below the median3.25%
Monthly fee€0at the median€0at the median€0

Median across 658 listed accounts.

Pros and cons

bunq

Pros

  • The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
  • Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
  • Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.

Cons

  • The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
  • Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
  • Features list joint account and digital only, so the service is digital only and there is no branch counter.

Tomorrow

Pros

  • The balance is protected at EU DGS up to EUR 100,000
  • Support runs on chat, email and help centre, which suits readers who prefer writing things down
  • Features listed for the brand include free atm, joint account and digital only, and the free ATM allowance is €1

Cons

  • The rate type is variable, so the interest you earn can move rather than being held for a set period
  • Support runs on chat, email and help centre only, with no phone line for anyone who would rather talk
  • The savings pot only works alongside an open Now, Change or Plus current account

Who each suits

bunq

Who it suits

  • People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
  • Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
  • Students and savers who value EU DGS up to EUR 100,000 over a higher rate.

Who should look elsewhere

  • Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
  • Customers who need a phone helpline, as support runs on email, chat and help centre only.
  • Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.

Tomorrow

Who it suits

  • Savers who already hold a Now, Change or Plus current account and want savings in the same app
  • Anyone who needs to dip into savings without notice, with interest credited monthly
  • Euro-area readers who want local payment details, since the account issues a local IBAN

Who should look elsewhere

  • Plazo ES, listed at 24.19%, if the headline figure matters more than getting at the money
  • AXI Card Tarjeta y Credito at 21.59%, a card and credit offer rather than a savings balance
  • PayPal Colombia at 3.3%, whose rate is close to Tomorrow's, so the switch needs another reason

Current offers

Tomorrow

Current offer

  • Bonus

    Starter interest rate on the savings account: 3.1% p.a. for the first 90 days on balances up to EUR 50,000

    New customers who open a Tomorrow account and savings account between September 1 and September 30, 2026; after the first 90 days the regular rate of the chosen account model applies (0.75% Now, 1% Change, 1.5% Plus); German tax ID required; Now customers who opened before 19 February 2025 must upgrade.

    Source, checked September 26, 2026

  • First period offer

    Now current account free of charge: EUR 0 per month

    Free for anyone under 21 or who deposits EUR 500 into the Tomorrow account every month; otherwise Now costs from EUR 0 per month (Change EUR 8.90, Plus EUR 17.90).

    Source, checked September 26, 2026

Country by country

bunq vs Tomorrow
CountrybunqTomorrow
AustriaNoYes
BelgiumYesNo
FranceYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo
SpainYesNo
GermanyYesYes

Questions about each

bunq

What does bunq charge to keep a savings account?+

The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.

How much interest does the account pay?+

The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.

Tomorrow

What rate does the Tomorrow savings account pay?+

The account pays a headline rate of 3.1% and the rate type is variable, so the figure can move rather than being fixed for a set term. Interest is credited monthly and the rate applies within a stated balance cap. In this comparison the brand places 233 on headline rate among 473 brands.

Is there a monthly fee for the savings account?+

There is no monthly charge on the savings account, with the fee listed as €0 a month and the account run on a no monthly fee model. The cost to watch is currency conversion, listed as 0% to 2%, so euro payments are the cheapest route.

Other options to compare

bunq

Visit

Tomorrow

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