Tomorrow • EUR
🔒 Secure redirect to Tomorrow, no obligation
Ingrid Schneider · Updated: 3 September 2026
Tomorrow is a sustainability-focused digital bank that runs its account entirely through its app, in partnership with Solaris SE. "Change" is the middle of three account tiers, sitting between the free entry-level "Now" plan and the more extensive "Plus" plan. The account suits anyone who wants to bank fully on their phone and is willing to pay a fixed monthly fee for higher free-withdrawal allowances and more sub-accounts. Unlike traditional branch banks, Tomorrow offers neither phone nor branch service — the business model is built entirely around the app.
Tomorrow Change costs €8.90 per month, or €106.80 per year. No condition for a fee waiver is documented in the available data — the fee applies regardless of balance or incoming payments. For comparison, the free entry-level "Now" tier is free for under-21s or with at least €500 in monthly income, while the most extensive tier, "Plus," is noticeably pricier at €17.90 a month. Change sits in the middle both on price and on features.
The arranged overdraft is charged at 9.75% p.a.; the database does not list a separate rate for unarranged (tolerated) overdraft (showing 0%), which more likely reflects a data gap than an actually fee-free unarranged overdraft. It's worth confirming this directly with Tomorrow before relying on it. Online transactions such as transfers are shown as free of charge, regardless of monthly volume.
On the card side, Change offers fee-free card payments worldwide and up to five free cash withdrawals a month — notably more than the free "Now" tier, which allows only one free withdrawal a month and charges a 2% fee abroad. "Plus" offers unlimited free withdrawals.
Tomorrow Change currently has no sign-up bonus — neither the product data nor the linked application page mentions a welcome credit. Anyone who values a cash bonus should factor that in and instead weigh the ongoing costs and features.
As a pure app-based bank, Tomorrow handles everything via smartphone. A card is included that allows fee-free spending worldwide (the product data technically lists the card as a credit-card type, but the offer page describes it as a Visa debit card — worth clarifying before signing up). Change users can open up to six sub-accounts with their own IBAN to separate savings pots for things like holidays, rent, or an emergency fund; the free "Now" tier only offers two, while "Plus" offers unlimited sub-accounts. Shared accounts are also available at the Change tier, useful for couples or shared households.
For balances held in the savings pots, Tomorrow advertises an introductory rate of 3.1% p.a. for the first 90 days (up to €50,000), after which the Change tier rate drops to 1% p.a. — versus just 0.75% at "Now" and 1.5% at "Plus." Deposits are protected up to €100,000 under the statutory deposit guarantee scheme, and a switching service is available to automatically transfer standing orders and direct debits from another bank.
According to the database, the target audience is broad, spanning employees, students, apprentices, retirees, and the unemployed. Change is particularly appealing to anyone who withdraws cash or pays abroad more often than the free Now tier allows, without wanting to jump straight to the pricier Plus tier, and who also wants several sub-accounts for different savings goals. Anyone who can't do without a branch or phone hotline should look elsewhere.
The account is opened entirely online via the app or the Tomorrow website. A switching service is listed as available to transfer standing orders and direct debits from an existing account. No further detail on the exact identification process was found in the sources reviewed.
See the lists at the end of this review for a summary of the account's main strengths and weaknesses.
Tomorrow Change is a solid app-only account for anyone who values fee-free card spending worldwide, several free cash withdrawals a month, and flexible sub-accounts, and is happy to pay just under €9 a month for it. There's no sign-up bonus, and anyone who needs traditional branch or phone service should look elsewhere. For mostly mobile-first banking with a sustainability angle, Change offers a feature-rich account at a predictable flat price, clearly positioned between the free Now tier and the pricier Plus tier.
✓ Pros
✕ Cons