Tomorrow review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- A savings pot for existing Tomorrow current account holders who need access on demand.
- Headline rate
- 3.1%↗
- Rate type
- Variable↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- 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↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Tomorrow GmbH↗
- Headquarters
- Germany↗
- Founded
- 2018↗
- Support channels
- Chat, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- tomorrow.one
Everyday accounts
- 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↗
- Audience
- Teens
- Features
- Free ATM withdrawals, Joint account, Digital-only
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInfacebook.com
Pros and cons
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 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
Safety of your money
Tomorrow GmbH operates the app, while Solaris SE provides the account and sits under BaFin, the German Federal Financial Supervisory Authority. Savings sit inside the EU deposit guarantee scheme, and the protection level listed for the account is EU DGS up to EUR 100,000. The balance is a bank deposit held by that banking partner rather than a fund investment.
Rates and terms
The account pays a headline rate of 3.1% and the rate type is variable, so the figure can move with the provider rather than being locked. You can deposit or withdraw at any time, with no minimum term or notice period, and interest is credited monthly. The rate applies within a stated balance cap, and the savings pot requires an open Now, Change or Plus current account.
How Tomorrow compares
8.7 vs 8.6
8.7 vs 9.5
8.7 vs 8.0
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.9
8.7 vs 8.7- 8.7 vs 8.0
8.7 vs 9.0
8.7 vs 8.1
8.7 vs 8.7
8.7 vs 8.0
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.0
8.7 vs 8.7
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.3
Tomorrow vs Revolut UK8.7 vs 9.0
Where Tomorrow is available
- Available
- Austria, Germany
- Licence in Germany
- BaFin (German Federal Financial Supervisory Authority), for banking partner Solaris SE providing the account, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Is my money protected?+
Yes. Savings sit inside the EU deposit guarantee scheme and the protection level listed for the account is EU DGS up to EUR 100,000. The account itself is provided by Solaris SE, which is supervised by BaFin, the German Federal Financial Supervisory Authority, while Tomorrow GmbH is named as the operator.
Can I withdraw my savings at any time?+
Yes, the account is easy access savings, so you can deposit or withdraw whenever you like with no minimum term and no notice period. Interest is credited monthly rather than at the end of a fixed period, which suits money you expect to move.
Which payment details and currencies does it use?+
The account uses a local IBAN for payments, and the currency conversion fee is 0% to 2%. SEPA transfers are free, while non-euro payments made from the Now account carry a foreign currency fee, so euro payments keep costs at the lower end.
Who is the account aimed at?+
Tomorrow lists teen among the audiences it serves, and the savings account needs an open Now, Change or Plus current account before it can be used. It is built for people already inside the app rather than for opening a first account from scratch.
How do I get help with the account?+
Support runs on chat, email and help centre, so help arrives through live chat, email and a help centre, with no phone line listed. Questions about the savings pot, transfers and the linked current account can all be raised with them.
Sources
- support.tomorrow.one/en/support/solutions/articles/150000... checked September 26, 2026
Backs: Support channels
“You can reach us via chat or email at support@tomorrow.one ... We currently don't offer a traditional phone hotline”
- 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, Transfer fee
“Free domestic withdrawals - Thereafter 3 EUR / withdrawal - In subscription Now: 1”
- tomorrow.one/en-EU/imprint checked September 26, 2026
Backs: Headquarters, Legal entity
“Tomorrow GmbH Neuer Pferdemarkt 23 20359 Hamburg”
- tomorrow.one/en-EU/savings/savings-account checked September 26, 2026
Backs: Access terms, Deposit protection, Headline rate, Pricing model, Monthly fee, Licences
“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: Term, Minimum deposit.
Related by the facts
Tomorrow
A savings pot for existing Tomorrow current account holders who need access on demand.