Tomorrow bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Tomorrow suits teens and euro-zone residents who want everyday banking without a recurring charge, and it pairs that with a savings pot. The current account carries a monthly fee of €0, the savings pot pays 3.1% at a variable rate, and deposits sit under EU DGS up to EUR 100,000.
Key facts
- Best for
- A no-fee, app-first everyday account with an instant-access savings pot and euro IBAN details.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0% to 2%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €1↗
- Transfer fee
- SEPA free; 2% foreign currency fee on non-euro payments with Now↗
- Legal entity
- Tomorrow GmbH↗
- Headquarters
- Germany↗
- Founded
- 2018↗
- Support channels
- Email, Chat, Help-centre↗
- Audience
- Teens
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals, Joint account, Digital-only
- Official website
- tomorrow.one
Savings
- Headline rate
- 3.1%↗
- Rate type
- Variable↗
- Access terms
- Instant 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↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXbcorporation.net
Pros and cons
Pros
- The current account has a monthly fee of €0, with €1 of free ATM use.
- Currency conversion costs 0% to 2% and SEPA transfers are free, with a foreign currency fee on non-euro payments made with Now.
- The savings account pays 3.1% at a variable rate, and you can deposit or withdraw at any time with no minimum term and no notice period.
- Deposits sit under EU DGS up to EUR 100,000, and the account is digital only, with free ATM access and a joint account option.
Cons
- Branches are not among its features, which are free ATM withdrawals, joint accounts and digital only banking (free atm, joint account and digital only).
- Support runs on email, chat and help centre only, which leaves questions to email, chat or the help centre.
- The free ATM allowance is €1, so further withdrawals come out of pocket.
Who it suits
- Teens and students starting a first account, since the audience covers teens and the monthly fee is €0.
- Euro-zone residents who want a small savings balance alongside day-to-day spending, paying 3.1% on easy access terms.
- People who are happy to bank from the app, given the account is digital only with free ATM access.
Who should look elsewhere
- People who pay in many currencies, since conversion costs 0% to 2% here against 3% at bunq.
- Readers who want euro IBAN details with a lower conversion cost, as bunq Spain charges 3%.
Rates and card terms
The savings account pays 3.1% at a variable rate. Money can be deposited or withdrawn at any time, with no minimum term and no notice period, and interest is credited monthly. The rate applies only within the balance cap the provider sets, and holding savings requires an open Now, Change or Plus current account alongside your everyday spending.
How Tomorrow bank compares
8.9 vs 8.7
8.9 vs 8.6
8.9 vs 8.0
8.9 vs 8.9
8.9 vs 9.1
8.9 vs 9.2
8.9 vs 8.7Conversion costs 3% there, so euro-only spending suits Tomorrow's free SEPA transfers and 0% to 2% conversion cost better.
8.9 vs 8.7
8.9 vs 8.7Its monthly charge of €3.99 gives readers a paid plan to weigh against Tomorrow's free one.
8.9 vs 9.0
8.9 vs 8.7
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.9- 8.9 vs 8.9
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.1- 8.9 vs 8.1
8.9 vs 8.0
8.9 vs 8.0
8.9 vs 8.0
8.9 vs 9.1
Where Tomorrow bank is available
- Licence in Germany
- BaFin (German Federal Financial Supervisory Authority) - banking licence held by banking partner Solaris SE, checked September 26, 2026
- Licence in Germany
- BaFin (German Federal Financial Supervisory Authority) - Tomorrow GmbH registered as tied agent under section 3 (2) WpIG, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the account?+
The current account has a monthly fee of €0, so there is no recurring charge to pay while it stays open. Withdrawals include €1 of free ATM use, and SEPA transfers are free, which keeps everyday euro costs low for students and teens.
What does it cost to pay in another currency?+
Currency conversion costs 0% to 2%, and a foreign currency fee applies to non-euro payments made with Now. SEPA transfers in euro carry no charge. The account is built around euro, so conversion costs only bite on payments made outside the euro area.
Is my money protected?+
Deposits are covered under EU DGS up to EUR 100,000. The banking licence is held by the banking partner under BaFin supervision, and Tomorrow GmbH is registered as a tied agent, so the account runs on a licensed banking setup with a stated protection scheme.
How does the savings account work?+
It is an easy access account, so you can deposit or withdraw at any time with no minimum term and no notice period. Interest is credited monthly, and the rate of 3.1% applies within the balance cap the provider sets. Holding savings requires an open Now, Change or Plus current account.
Who is this account built for?+
The stated audience is teens, and the monthly fee is €0, matching a site median of €0. It makes an accessible first account, and the feature list includes free ATM withdrawals, joint accounts and digital only banking.
Who runs the account?+
The provider is Tomorrow GmbH, founded in 2018 and based in Germany. The account details are a euro IBAN, so receiving and sending euro payments works like a standard European current account, with a free ATM withdrawal each month on the allowance.
How do I get help if something goes wrong?+
Support runs on email, chat and help centre only, so questions go through chat, email or the help centre rather than a phone line. The account is digital only, with a joint account option and free ATM access, so most day-to-day questions are handled in the app or by message.
Sources
- support.tomorrow.one/en/support/solutions/articles/150000... checked September 26, 2026
Backs: Account kind, Rate type
“The instant access savings account is available for: Existing customers with a Change or Plus account”
- tomorrow.one/en-EU checked September 26, 2026
Backs: Local account details
“Your account has a German IBAN”
- tomorrow.one/en-EU/about-us checked September 26, 2026
Backs: Features, Founded
“our product is 100% digital”
- tomorrow.one/en-EU/accounts checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Currency conversion fee, Pricing model, Monthly fee, Support channels, Transfer fee
“Free domestic withdrawals - Thereafter 3 EUR / withdrawal - In subscription Now: 1”
- tomorrow.one/en-EU/imprint checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Tomorrow GmbH Neuer Pferdemarkt 23 20359 Hamburg”
- tomorrow.one/en-EU/savings/savings-account checked September 26, 2026
Backs: Access terms, Headline rate
“You can deposit and withdraw your money at any time - German deposit protection applies up to 100,000 euros per customer per bank”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currencies.
Related by the facts
Tomorrow bank
A no-fee, app-first everyday account with an instant-access savings pot and euro IBAN details.