What it does
Tomorrow is a mobile current-account service for adults living in Germany or Austria. It combines a Visa debit card, spending summaries and separate pockets, with the account provided by Solaris SE.
Tomorrow’s Now account covers everyday card spending and a monthly overview divided into necessities, leisure and saving. Change adds six subaccounts and an interest-bearing subaccount, making it more suitable for separating rent, holidays and other goals.
What the account costs
| Account | Monthly fee |
|---|---|
| Now | €0 to €4.90, subject to eligibility |
| Change | €8.90 |
| Plus | €17.90 |
Now uses Pay What You Want pricing. You can choose €0 if you are under 21 or receive at least €500 each month; otherwise the regular fee is €4.90. Eligible customers adjust their contribution in the app.
Now includes one monthly cash withdrawal in Germany; Change includes five. Factor in your cash habits alongside the extra pockets when selecting a tier.
To apply, you need the Tomorrow app, an accepted identity document and official residence in Germany or Austria. The minimum age is 18. New applications from residents of Italy and Spain are no longer supported, even though some existing customers can continue using their accounts after moving there. Tomorrow identifies Solaris SE as the bank behind the account.
Strengths
- Now can have a €0 monthly fee when its age or incoming-payment condition is met.
- Change includes six subaccounts for separate spending and saving purposes.
Watch out for
- New accounts are limited to residents of Germany or Austria.
- Now’s cash allowance is only one domestic withdrawal per month.
Best for
- Adults in Germany or Austria who manage everyday spending on their phone
- People who want named pockets for regular bills and savings
Sources
- Tomorrow: Die nachhaltige Alternative zur Bank (Oct 25, 2026)
- Nachhaltiges Girokonto Now (Oct 27, 2026)
- Was kostet Pay What You Want? (Oct 27, 2026)
- What do I need to open my Tomorrow account? (Oct 27, 2026)
- Wie alt muss ich sein um ein Tomorrow Konto zu eröffnen? (Oct 27, 2026)