Tomorrow Review

Company background

Tomorrow is a safeguarded e-money institution, founded in 2018, headquartered in Germany, operating under Tomorrow GmbH. Tomorrow is the pick for customers who want their balance financing climate projects rather than fossil lending, and who will pay a small monthly fee for that alignment. We rate it best for sustainable banking. It is a phone-first current account, bundling in-app savings and budgeting tools into one app.

Fees and pricing

On day-to-day costs, Tomorrow charges a 3 EUR/month account fee, and applies a 0% markup on foreign-currency spending.

• Monthly fee: a 3 EUR/month account fee.
• FX markup: 0% on spending outside your currency.
• ATM withdrawals: 2% fee.
• Savings: no in-app savings interest.

The monthly fee buys the account itself rather than gating basic transfers, so the figure that matters most is how often you spend or withdraw in another currency.

Regulation and safety

Tomorrow operates as a safeguarded e-money institution, regulated by BaFin (via Solaris). Eligible deposits are protected up to 100,000 EUR under DGS up to 100,000 EUR via Solarisbank. That guarantee is backed by a national compensation scheme, so your covered balance is returned even if the provider fails.

Platform experience

Tomorrow is available across iOS, Android and Web. The mobile apps score 4.3/5 on the App Store and 3.8/5 on Google Play. Payments run on a Visa physical and virtual card, and it works with Apple Pay and Google Pay.

Pros and cons

On the plus side, deposits steered toward sustainable lending projects, round-up pockets and clear spending insights and eU deposit cover via its licensed partner bank. The main trade-offs are no free plan; every tier carries a monthly fee and euro-only and limited to the German market. On balance it is a comfortable pick best for sustainable banking, provided its limitations line up with how you actually bank.