Tomorrow Sustainable Banking Card positions as a way to handle daily spending while aligning your money with sustainability goals.
In practice, you get a mobile current account with a Visa debit card, so you spend money you already have in your account.
The banking services behind the account are provided via Solaris SE, which is a licensed bank supervised by BaFin.
What the Tomorrow Sustainable Banking Card is
Tomorrow’s card is a Visa debit card linked to a checking account in the Tomorrow app.
Because it is a debit card, there is usually no “purchase APR” like a credit card, since payments come from your balance.
The sustainability angle comes from how Tomorrow frames impact features and what it says it finances through its model.
The account is designed to be managed fully online, with card controls and everyday transfers handled in the app.
Debit card basics that affect daily use
You can use the card for in-store and online payments wherever Visa debit is accepted.
A virtual card is also included, which can be useful for online purchases and subscriptions.
Apple Pay and Google Pay support are included across the subscription tiers shown on Tomorrow’s account page.
Who provides the underlying banking and safeguards
Tomorrow states that the account is “empowered” by Solaris SE and that Solaris is the provider of the banking services.
It also explains that euro deposits are protected up to €100,000 under the German deposit guarantee scheme for the bank providing the account.
On its account comparison page, Tomorrow references protection up to €100,000 via the Compensation Scheme of German Private Banks (EdB).
Plans and fees that change what you pay
Tomorrow Sustainable Banking Card is sold through subscription tiers that bundle features and set monthly or annual pricing.
The main practical difference is how many free withdrawals you get, whether foreign-currency card use has an extra fee, and what extras are included.
If you want predictable costs, you should compare the tier price plus the usage-based fees you are most likely to trigger.
The figures below are taken directly from Tomorrow’s own account comparison and card pages.
Now, Change, and Zero pricing
The Now plan is listed as “from €0 per month” for anyone under 21 or with a monthly receipt of €500.
The Change plan is €8 per month or €87 per year. The Zero plan is €17 per month or €187 per year.
Everyday fees you should watch
Domestic withdrawals are limited by tier, with Now showing 1 free domestic withdrawal per month and then €3 per withdrawal after that.
Change shows 5 free domestic withdrawals per month, and Zero shows unlimited free domestic withdrawals.
For non-Euro card payments and withdrawals, Tomorrow states the Now model charges a 2% foreign currency fee.
Interest rates and the overdraft feature
The card itself is debit, but interest becomes relevant if you use an overdraft on the connected account.
Tomorrow describes overdraft as an optional feature you can apply for and manage in-app, with checks handled by its banking provider.
You should treat overdraft as short-term flexibility, because interest accrues on negative balances and can add up fast.
The key is to separate promotional rates from the representative example rates disclosed for regulatory purposes.
The overdraft interest figures Tomorrow publishes
Tomorrow states it charges overdraft interest of 9.75% p.a. in its overdraft explanation.
In the same overdraft page, Tomorrow also shows a “representative example” with a variable debit interest rate of 15% p.a.
If you plan to use overdraft at all, read the in-app legal documents and assume the non-promotional terms may apply after the offer window ends.
Savings interest shown on Tomorrow’s account page
Tomorrow’s account page lists “up to 3% interest” for its savings account and includes a footnote with a promotional window and a post-promo rate.
The footnote says 3% p.a. applies for the first 120 days on up to €50,000 when opening the account and savings account.
Outside the promotional period, customers receive 0.75% interest p.a. up to €50,000.
Eligibility and setup flow in the app
Opening the account is app-based, so your main preparation is having an accepted ID document and meeting residency requirements.
Tomorrow’s FAQ section on the account page states you need the Tomorrow app and an identification step, and it points to IDnow for accepted documents.
It also lists official residence in Germany, Austria, Italy, or Spain as a requirement in that same FAQ block.
If you request an overdraft, expect additional checks and be ready to provide income details inside the app.
What to expect if you apply for overdraft
Tomorrow says the overdraft application is handled by Solaris inside the app and involves a short check before activation.
The overdraft FAQ describes providing employment status and monthly net salary and mentions a score query with SCHUFA as part of the analysis.
If you do not need overdraft, you can skip it and keep the account as a standard debit-based spending setup.
Practical steps to reduce avoidable costs
Pick a tier based on your likely monthly withdrawals and whether you pay in non-euro currencies.
If you want a wooden card, Tomorrow shows it is included in Zero, but costs a €20 surcharge in Now and Change.
If you deposit cash, Tomorrow lists a 1.5% fee per deposit for Now and Change and “free of charge” for Zero.
Contact information and official details
Tomorrow GmbH, Neuer Pferdemarkt 23, 20359 Hamburg, Germany.
Telephone: +49 40 401 19 080.
Email: [email protected].
Final check before you sign up
Tomorrow Sustainable Banking Card is best understood as a Visa debit card plus a subscription-based current account with sustainability framing.
Your real cost depends on your plan tier, how often you withdraw cash, and whether you spend in non-euro currencies on the Now tier.
Disclaimer: This article is for informational purposes only and does not provide financial advice. Prices, fees, eligibility rules, and interest rates can change, so you should confirm current terms on Tomorrow’s official pages and legal documents before applying. If you are unsure about overdraft costs or repayment impact, consider speaking with a qualified financial professional before using credit features
