Tomorrow Bank Review - Rates & Fees | Finder Germany
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Tomorrow Bank review

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Manage your money while saving the environment.

Tomorrow Bank is a sustainable banking solution that helps users manage their finances while reducing their carbon footprint. It offers clean banking tools and invests in community-development initiatives all over the world. This review will explore how Tomorrow Bank works in Germany, including the account features and fees involved.

€0

Monthly fee

€2

ATM fee for Euro withdrawals

1.5% per payment

Currency conversion fee

Details

Product NameTomorrow
Monthly fee€0
Card delivery3-5 business days
Supported currencies

1

ATM fee for Euro withdrawals€2
Currency conversion fee1.5% per payment
Free ATM withdrawal limit3 withdrawals per month
Mobile paymentsApple Pay, Google Pay
Card typeVisa
Go to site
More Info

How does Tomorrow Bank work?

Tomorrow Bank offers digital financial tools while guaranteeing that profits aren’t directed to harmful trades. Instead, Tomorrow Bank invests its capital in sustainable and eco-friendly services. Additionally, users can benefit from schemes that reduce their carbon footprint when they use Tomorrow Bank financial products. Tomorrow Bank offers two digital accounts, the Tomorrow and Tomorrow Zero accounts.

What can you do with a Tomorrow Bank account?

All Tomorrow Bank accounts come with the following standard features.

  • Free Visa Debit Card
  • Free transactions worldwide
  • Further Tomorrow Bank’s climate contribution efforts
  • Contain Insights feature for digital budgeting
  • Provide push notifications for each transaction

The two Tomorrow accounts also come with distinct features, which are detailed below:

Compare Tomorrow Bank products

Data updated regularly
Name Product Monthly fee Card delivery Supported currencies
Tomorrow
€0
3-5 business days

1

A free Visa debit card with free transactions across the globe and 3 withdrawals per month for free.
Tomorrow Zero
€15
3-5 business days

1

A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month.
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How much does a Tomorrow account cost?

Keep in mind the following costs before you sign up for an account:

  • Monthly fees. The Tomorrow account comes with a €0 monthly fee while Tomorrow Zero costs €15 per month.
  • ATM withdrawals. You can make three withdrawals free of charge with the Tomorrow account, after which a €2 fee applies. ATM withdrawals are free of charge with Tomorrow Zero.
  • Foreign currency. If you make purchases in a foreign currency you will be charged a 1.5% fee. There is no foreign currency fee for Tomorrow Zero.
  • Card replacement fee. A fee of 10 € applies.

Is Tomorrow Bank safe?

Tomorrow Bank offers a range of security features to help users protect their digital wallets. Here are some of such features.

  • Data encryption. User data is transmitted in an encrypted form, which protects it from “man-in-the-middle” attacks.
  • Penetration tests. Tomorrow Bank conducts regular penetration tests to locate and eliminate vulnerabilities in their system.
  • Privacy. Tomorrow Bank does not disclosure of information to third party companies.
  • Monetary protection. The credit balance of Tomorrow users is managed by SolarisBank, which holds a German banking license. It is a member of the deposit insurance fund of the Federal Association of German Banks. Each Tomorrow Bank account is thus protected up to €100,000.
  • Card security. You may change your card pin or block your card using the Tomorrow Bank app.
  • App security. Important in-app changes, transfers and online debit card payments must be authorized via TAN authentication.
  • Account security. Tomorrow Bank accounts are protected by two-factor authentication.

Pros and cons

Pros

  • No SCHUFA information is required when opening an account.
  • An eco-friendly tool that fights combat climate change by helping you reduce your carbon footprint.

Cons

  • In comparison to other digital banks, the basic Tomorrow account offers very few sub-account options and only three free withdrawals per month, which could be impractical for some users.
  • The basic Tomorrow account does not come with carbon offsetting benefits yet offers fewer perks than competitor digital banks, making it a less appealing financial tool.

How to sign up for a Tomorrow account

You can sign up with Tomorrow on the website (just click “Go to Site” from this page). You can sign up for an account in eight minutes. You’ll need your phone, address and your ID to sign up. Once you’ve got your account, your card will be sent to you.

Compare a range of digital banks in Germany

Data updated regularly
Name Product Monthly fee Card delivery Supported currencies
Commerzbank Kostenloses Girokonto
€0
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with €0 fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
1822MOBILE Account
1822MOBILE Account
€0
N/A

1

Free account management, up to € 100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Bitwala Bank Account
€0
Up to 14 days

1

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
€0
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
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Data updated regularly
Name Product Monthly fee Card delivery Supported currencies
Fidor Smart Current Account
€5
N/A

1

A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
Comdirect Bank Current Account
€4.90
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
€16.90
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Zero
€15
3-5 business days

1

A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month.
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Please note these products are not licenced as banks. Check our product review pages for details.
Data updated regularly
Name Product Monthly fee Card delivery Supported currencies
Wirex Travel Card
€1.20
Up to 4 business days

19

A multicurrency account that lets you spend aborad in more than 150 currencies and 11 supported cryptocurrencies.
Revolut Premium
€7.99
Up to 3 working days

14

A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
€1.65
3-5 business days

1

VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Revolut Metal
€13.99
Up to 3 working days

14

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
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Frequently asked questions

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