Tomorrow

At a glance

• Editor score
  5.1 / 10
• Pricing
  Free plan
• Best for
  German-market mobile banking with tiered savings
• Free plan
  Yes
• Paid from
  €4.90/mo
• Account scope
  Personal
• Founded
  2018 · Hamburg, Germany
• Facts checked
  14 Nov 2026

• Where it wins

  • Apple Pay, Google Pay and SEPA instant transfers are supported.
  • Cash deposits are available through partner stores using the app.
  • Change and Plus add shared accounts and fee-free worldwide card use.

• Where it doesn't

  • Mobile-only service; there is no desktop deployment.
  • Non-euro-area transfers to or from the account are unavailable.
  • The €0 Now option has age or incoming-payment eligibility conditions.

Our verdict on Tomorrow

Tomorrow is a mobile banking app for personal current accounts, aimed at eligible residents of Germany and Austria who want card payments, SEPA transfers and savings sub-accounts in one account. It offers Visa debit and virtual cards, Apple Pay and Google Pay, and cash deposits through partner stores using the app. Solaris SE provides the banking service, while Tomorrow offers the account models and app. The account is personal, with a shared-account option on Change and Plus.

Pricing is tiered. Now can be set at €0 under pay-what-you-want pricing, subject to age or incoming-payment conditions; the listed €4.90 monthly Now option includes a Visa debit and virtual card, one free domestic withdrawal monthly and two sub-accounts, one with interest. Change costs €8.90 monthly, adding five free domestic withdrawals, six sub-accounts, fee-free worldwide card payments and withdrawals, a shared account option and travel and leisure insurance. Plus is €17.90 monthly, with unlimited free domestic withdrawals and interest-bearing sub-accounts, plus expanded travel and leisure insurance. The published savings rates after the introductory period are 0.75% p.a. for Now, 1.25% for Change and 1.75% for Plus.

Tomorrow's fit depends on accepting mobile-only banking and SEPA's geographic limits: transfers to or from non-euro areas are unavailable. The vendor says eligible deposits are protected under Germany’s deposit guarantee scheme, and the product lists GDPR compliance. Support channels are email and documentation. Choose it if you want a Germany- or Austria-eligible mobile account with cash deposits and progressively larger savings allowances; look elsewhere if you need desktop banking or non-euro-area transfers.

Your product? Our editors can test Tomorrow in depth and publish a review, labelled as paid · from $149/mo →

Tomorrow pricing

All 3 Tomorrow plans and prices →

Tomorrow fact sheet

Tomorrow integrations

Tomorrow lists 2 integrations on its own site.

• Apple Pay
• Google Pay

Alternatives to Tomorrow

• SBStarling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
• BbunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
• MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1

See all Tomorrow alternatives →

Featured on iTechGuides

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update