Tomorrow review
A Germany- and Austria-eligible mobile account with tiered withdrawals, savings and shared-account options.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
Tomorrow pros and cons
- 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.
Tomorrow fact sheet, pricing and score →
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