Tomorrow • EUR
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Ingrid Schneider · Updated: 3 September 2026
Tomorrow Plus is the upper-tier current account from sustainability-focused fintech Tomorrow. The account combines standard banking features with a sustainability angle — the provider states that part of card spending goes toward climate projects — and is managed exclusively through the app. Tomorrow positions itself as an alternative to traditional branch banks for customers who care about ecological and social criteria in their banking.
According to the database, the account fee is EUR 214.80 per year; the provider's live page confirms this exactly with a monthly fee of EUR 17.90. No condition for a fee waiver is documented either in the database or on the provider's website — the fee applies regardless of balance or incoming payments. Online transactions carry no additional cost (EUR 0 per booking, unlimited number). No additional costs are listed for an unauthorised overdraft (0% p.a.). For the authorised overdraft facility, a debit interest rate of 9.75% is stated, billed monthly according to the database.
Included in the account price are a free Visa debit card and an additional virtual card, which can, for example, be used to separately secure online payments. According to the provider's website, domestic cash withdrawals are unlimited and free; abroad, a foreign-currency fee of 2% applies to payments outside the eurozone — putting Tomorrow Plus in the usual range for neobanks on foreign payments.
Tomorrow falls under the statutory German deposit guarantee scheme; balances are 100% protected up to EUR 100,000 — an advantage over providers licensed outside Germany, since customers here fall directly under German supervision. An account-switching service is offered, making it easier to move from another bank, as standing orders and direct-debit mandates can be transferred automatically. According to the provider's website, features include a "smart app" with real-time push notifications, and the Plus tier additionally offers enhanced travel and leisure insurance, unlimited sub-accounts, and a doubled climate contribution per card payment. These extra benefits reflect the current state of the provider's website (early September 2026) and may change.
As a separate, time-limited promotion, the provider's website also mentions a starter interest rate of 3.1% p.a. on the linked savings pot for the first 90 days (up to EUR 50,000 in balance, then 1.5% p.a.) for new customers opening an account in September 2026 — this is a separate savings offer, not a feature of the current account itself, and is likely to change over time. Anyone interested in Tomorrow Plus should check the interest rates actually valid at the time of account opening directly with the provider.
According to the database, the target group is mainly employees, students, apprentices, and retirees, as well as people without employment — unlike the bunq accounts, freelancers and the self-employed are not explicitly listed as a target group here. Tomorrow Plus therefore suits private customers who value sustainability and want to actively use the Plus-specific extras such as travel insurance and unlimited sub-accounts. Customers who don't care about these extras will generally find Tomorrow's cheaper entry-level tier sufficient.
On the plus side are the free debit and virtual card, unlimited domestic withdrawals, and statutory German deposit protection. On the downside are the comparatively high monthly price, the foreign-currency fee abroad, and the relatively high overdraft interest rate.
At EUR 17.90 a month, Tomorrow Plus is not a cheap current account, but it does offer a free debit and virtual card, unlimited free domestic withdrawals, and statutory German deposit protection. For customers who value sustainability and the Plus-specific extras such as travel insurance and unlimited sub-accounts, the higher price can be worth it — anyone looking for a simple salary account will find cheaper alternatives.
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