What Tomorrow does

Tomorrow GmbH is a Hamburg-headquartered, B Corp-certified mobile banking platform founded in 2018 by Inas Nureldin, Michael Schweikart, and Jakob Berndt. Operating without its own banking license, the company delivers a 100% digital, app-first current account, savings, payments, and sustainable investing product suite to roughly 125,000 retail customers in Germany, Austria, Italy, and Spain. The core technology stack is built as a fintech layer on top of Solaris SE's BaFin-licensed core banking infrastructure, with iOS and Android apps offering biometric login, virtual and physical Visa debit cards (including a wooden variant), Apple Pay/Google Pay tokenization, NFC contactless payments, SEPA Instant transfers, sub-account "Pockets," automated expense categorization, and an optional Pay-What-You-Want entry tier. Customer deposits are routed exclusively through a five-step sustainability screening process overseen by an independent Impact Council into social, sustainability and SDG-aligned bonds (€96.2M in 2024), and every card payment funds Spekboom ecosystem restoration in South Africa.

The business model combines three subscription tiers (Now from €0/month via Pay-What-You-Want, Change at €8.90/month, Plus at €17.90/month) with net interest margin on sustainably invested deposits (currently offering up to 2.5% promotional savings interest), card interchange and foreign-exchange fees, cash deposit fees at partner retail stores, a Tomorrow Fund Article 9 impact equity product generating annual management fees (1.60% p.a. on €11.71M AUM in 2024), and credit-brokerage economics on overdraft facilities arranged through Solaris SE. Distribution is entirely direct-to-consumer and product-led via App Store downloads and a self-serve ~8-minute onboarding flow, supplemented by a Qwist-powered account-switching service, a €50-shop-credit referral program, and ~10,000 private crowd investors ("Crowdies") who participate in equity-style profit-participation rights and renewable-energy bond campaigns distributed via WIWIN — the largest such retail crowd in Germany, with an elected representative on Tomorrow's advisory board.

Name

Tomorrow

Legal name

Tomorrow GmbH

Website

https://tomorrow.one

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Tomorrow GmbH is a Hamburg-based sustainable mobile banking platform serving 125,000+ retail customers across Germany, Austria, Italy and Spain via a BaFin-regulated (Solaris SE) app that combines current accounts, savings, impact investing, and per-payment climate contributions.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Account subscription fees (Now/Change/Plus tiers): Recurring monthly subscription: Now €0–4.90/month (Pay What You Want with €0 for under-21 or €500/month deposits), Change €8.90/month, Plus €17.90/month. Tier upgrade unlocks unlimited withdrawals, higher savings interest, insurance bundle, shared account, and 2x climate contribution.
2. Net interest margin on customer deposits: Customer deposits are pooled into social bonds, sustainability bonds and SDG-aligned regular bonds yielding sustainable interest income. Part of this is paid back to customers as savings-account interest (up to 2.5% p.a. promo / 0.75%–1.25% standard) and the spread is retained.
3. Card interchange and foreign exchange fees: Card payment processing generates interchange revenue; the Now tier charges a 2% foreign currency fee on non-euro card payments and ATM withdrawals; ATM withdrawals beyond plan allowances are charged €3 per withdrawal.
4. Investment fund fees (Tomorrow Fund): Tomorrow Fund: €0 account fee, up to €1 purchase/sale fee, 1.60% p.a. fund costs, ~0.30% p.a. transaction costs; revenue shared between Tomorrow, Universal-Investment (fund company) and Evergreen (fund consulting).
5. Cash deposit fees at partner stores: Cash deposits made at partner retail stores via barcode carry a 1.5% fee across all subscription tiers.
6. Overdraft interest (credit broker commission): Overdraft facility arranged with Solaris SE at variable debit interest 15% p.a. (representative example cited as 9.75% p.a. in marketing); Tomorrow acts as credit broker for Solaris SE and earns related brokerage economics.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels11 records

Core offering

Tomorrow is a 100% digital, mobile-first sustainable bank that offers tiered current accounts (Now/Change/Plus) bundled with a free Visa debit card, Pockets sub-accounts, savings, and travel insurance, where 100% of customer deposits are routed into independently screened social, sustainability and SDG-aligned bonds. Every card payment automatically funds Spekboom ecosystem restoration in South Africa, and customers can additionally invest in an Article 9 impact equity fund (Tomorrow Fund), crowdinvesting profit-participation rights, wind energy bonds and green hydrogen bonds via the WIWIN platform.

Product overview

Tomorrow operates as a single unified mobile banking platform — the Tomorrow App — under which a layered subscription tier architecture (Now at €0, Change at €8.90/month, Plus at €17.90/month) bundles a free Visa debit card (physical, virtual, and optional wooden), the Savings Account, Pockets sub-accounts, and bundled travel insurance via HanseMerkur. On top of the core checking/savings engine (provided by Solaris SE under BaFin regulation), Tomorrow offers a distinct investment vertical: the Tomorrow Fund (Paris-aligned Article 9 impact stock fund), an ongoing Crowdinvesting profit-participation program via WIWIN, and renewable-energy bonds (Wind Energy, Green Hydrogen). Sustainability features — Climate Contribution with every card payment, the Rounding Up donation feature, Pickpocket and Streaks micro-saving, and the Tomorrow Insights expense analytics — are cross-cutting modules of the same app. Supporting tools include the Budget Calculator, Bank Comparison Tool, Account Switching Service (via Qwist), and the editorial Tomorrow Magazine.

Differentiator

Problem solved

Functional benefit

Brands

• Tomorrow Now: Free entry-level current account subscription starting from €0 per month for customers under 21 or with €500 monthly income.
• Tomorrow Change
• Tomorrow Plus
• Tomorrow Fund
• Tomorrow Savings Account

Products and services

• Now Account Entry-tier Tomorrow current account subscription starting from €0/month under a Pay-What-You-Want model (€0 for under-21s or customers depositing ≥€500/month); includes free Visa debit card, virtual card, 2 Pockets, 1 free domestic withdrawal/month, climate contribution with every card payment, and 0.75% p.a. savings account interest.
• Change Account Mid-tier Tomorrow current account at €8.90/month adding 5 free withdrawals/month, 6 Pockets, free worldwide payments and withdrawals, shared account eligibility, and bundled HanseMerkur travel and leisure insurance (International Travel Health, Emergency, Ticket Protection).
• Plus Account Top-tier Tomorrow current account at €17.90/month with unlimited free withdrawals, unlimited Pockets, 1.25% p.a. savings interest, free wooden card, extended travel insurance (Trip Cancellation, Baggage, Mobile Phone Theft), callback service, 2x climate contribution per card payment and money-back guarantee.
• Tomorrow Visa Debit Card Free physical Visa debit card (card body made from 90% recycled materials) plus an additional virtual card addable to Apple Pay and Google Pay; accepted worldwide at any Visa-accepting merchant and any Visa-logo ATM; contactless payments up to €25 without PIN.
• Wooden Visa Debit Card Premium Visa debit card made from 80% sustainably grown Austrian cherry wood and 20% recycled plastic; free for Plus customers and available at a €20 surcharge for Now/Change customers.
• Savings Account (Tagesgeld) Flexible daily-access savings account with up to 2.5% p.a. promotional interest (first 90 days on balances up to €50,000) and standard rates of 0.75% p.a. (Now/Change) or 1.25% p.a. (Plus); funds invested sustainably, interest paid monthly, deposits protected up to €100,000 via Solaris SE.
• Shared Account Joint current account for two people included with Change and Plus tiers; provides a separate IBAN and card for each holder, shared spending overview, recurring internal transfers, and can be opened in minutes inside the app.
• Overdraft Facility (Dispositionskredit) Flexible overdraft facility arranged via Solaris SE at 9.75% p.a. representative (15% p.a. variable debit interest per Terms), activated in the app after a SCHUFA check, with quarterly interest charging and an in-app interest calculator.
• Tomorrow Fund Paris-aligned Article 9 SFDR impact stock fund investing in 55+ highly sustainable companies selected via a 5-step screening process (exclusion list, XDC Paris model from right.based on science, positive SDG criteria, Impact Council review, risk allocation); €0 account fee, up to €1 buy/sell fee, 1.60% p.a. fund costs, ~0.30% p.a. transaction costs; share price €115.
• Crowdinvesting (5th campaign via WIWIN) Profit-participation rights offering with 5% p.a. minimum interest and a 10-year regular term from first issuance on 1 September 2025, plus participation in distributed profit; ~10,000 crowd investors and €13.9M+ raised in the current campaign; crowd share price up 99% since the first round.
• Wind Energy Bond (WIWIN Renewables) Fixed-interest green bond for onshore wind energy offered via WIWIN from the Tomorrow app's "Future" tab from December 2025 to February 2026, raising over €350,000 for the Sickinger Höhe wind farm expansion.
• Green Hydrogen Bond (WIWIN) Fixed-interest green bond with annual interest payment for industrial green hydrogen production, offered September–October 2025 via WIWIN; raised €2 million for a production facility in Mecklenburg-Western Pomerania.
• Account Switching Service Digital account switch powered by Qwist that analyses 12 months of transactions from the previous bank, migrates standing orders, direct debits and recurring payments, optionally closes the old account, and is free of charge.
• Tomorrow Streaks (gamified saving) Gamification feature that tracks consecutive months of paying more into Pockets than withdrawing, building a streak counter visible in the Tomorrow app.

Quantifiable outcome

• €137M sustainably invested through customer deposits
• +6 more outcomes

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature8 records

Partnerships

13 partnerships are on record, tiered flagship / core, core and minor.

• Solaris SEflagship / coreTechnology or IntegrationSolaris SE is Tomorrow's licensed banking partner and core-banking provider (BaFin-regulated, Berlin). Solaris holds all customer balances, provides the German IBAN, issues the Visa debit card, runs overdraft (lender), and supplies the regulated banking infrastructure; Tomorrow runs the app and product. Deposit insurance up to €100,000 is provided via Solaris.
• Universal-Investment-Gesellschaft mbHcoreStrategic or Co-development PartnerUniversal-Investment is the fund company that established and manages the Tomorrow Fund (ISIN DE000A2QK5D4, WKN A2QK5D), the impact equity fund offered to Tomorrow customers. It acts as the regulated capital management company and custodian.
• Evergreen GmbHcoreStrategic or Co-development PartnerEvergreen is the investment manager and co-initiator of the Tomorrow Fund. It selects the constituent companies and manages the fund according to Tomorrow's impact screening criteria and risk allocation methodology.
• lemon.markets brokerage GmbHcoreTechnology or IntegrationBaFin-licensed investment firm that provides brokerage services and securities safekeeping for Tomorrow's securities account (free securities account opened inside the Tomorrow app). Tomorrow operates as a tied agent in the name and for the account of lemon.markets.
• WIWINcoreChannel Partner/ Reseller/ DistributorWIWIN is an online platform for sustainable investing used by Tomorrow to distribute wind energy bonds (€350,000+ raised in the Dec 2025–Feb 2026 round) and green hydrogen bonds (€2M raised Sept–Oct 2025), as well as crowdinvesting profit-participation rights. WIWIN is contractually tied broker of Concedus GmbH.
• HanseMerkurcoreOEM/ Whitelabel/ Licensing PartnerHanseMerkur provides the travel and leisure insurance bundle embedded into Change and Plus subscriptions, including International Travel Health Insurance, Emergency Insurance, Ticket Protection, and (Plus only) Trip Cancellation, Baggage and Mobile Phone Theft Protection.
• IDnowminorImplementation/ SI/ Consulting PartnerIDnow is Tomorrow's external partner for identity verification during account opening (video identification), determining which passports and ID cards are accepted.
• QwistcoreTechnology or IntegrationQwist provides the API powering Tomorrow's automated Account Switching Service, enabling digital migration of standing orders, direct debits and recurring payments from a customer's previous bank.
• Impact Council (Marilyn Waite, Kristina Jeromin, Rana Zincir Celal, Markus Beckmann)flagship / coreStrategic or Co-development PartnerIndependent external advisory body that performs the final review of selected investments in Tomorrow's sustainability screening process, ensuring all financed projects and companies meet Tomorrow's strict sustainability criteria.
• Facing Finance e.V. / Fair Finance Guide GermanyminorOthersIndependent NGO whose Fair Finance Guide data powers Tomorrow's Bank Comparison Tool. Tomorrow uses the publicly available Fair Finance ratings to compare itself with other German banks.
• Anne Geiger (Crowd Representative)coreStrategic or Co-development PartnerAnne Geiger is the elected crowd representative on Tomorrow's advisory board, one of 6 voting members; she advocates for the interests of Tomorrow's ~10,000 crowd investors.
• Apple Pay / Google Pay (Visa tokenization networks)coreTechnology or IntegrationTomorrow's physical and virtual Visa debit cards are tokenized into Apple Pay and Google Pay for contactless mobile payments worldwide.
• Visa (acceptance network)flagship / coreOthersVisa powers Tomorrow's debit card acceptance, ATM withdrawals (any Visa-logo ATM worldwide) and contactless payments; Tomorrow cards are also VPay-enabled.

Scale indicators22 records

Direct peers

• Triodos Bank: Dutch-headquartered sustainable bank operating across DACH and broader Europe with B Corp credentials, deposit-funded impact lending, and a similar exclusion-list investment philosophy — the closest established sustainable-banking peer to Tomorrow in Europe.
• GLS Bank: Germany's leading social-ecological bank with a comparable mission of financing sustainable projects via customer deposits and a B Corp-style governance model — Tomorrow's primary home-market direct competitor on sustainability positioning.
• Green-Got: French mobile-first sustainable banking app that routes customer deposits into green projects, mirroring Tomorrow's deposit-allocation impact model in a different European geography with a similar values-led brand.

Regional players

• Aspiration: US sustainable neobank with plant-a-tree-per-transaction and fossil-fuel-free deposit promises, directly comparable to Tomorrow's climate-contribution-with-every-payment feature but operating under a different regulatory and market regime.
• Atmos Financial: US climate-positive banking fintech that funds exclusively renewable energy projects with customer deposits — a close analog to Tomorrow's sustainable deposit allocation engine, with a smaller US-only footprint.

Broad incumbents

• N26: Germany-headquartered digital bank with a vastly larger customer base and product set; competes with Tomorrow for digitally native German consumers but lacks a sustainability-led brand and detailed impact reporting.
• Bunq: European neobank with subscription tiers, free card issuance, and EU-wide reach — overlaps with Tomorrow on app-first, multi-tier subscription banking, but with a more generalist positioning.
• Revolut: Global consumer fintech with broad banking, savings, and investment products including ESG options; competes for the same digitally engaged European retail customer with materially greater scale.

Others

• Solaris SE: BaFin-licensed Banking-as-a-Service platform that is Tomorrow's core-banking partner, holding customer balances, the German IBAN, and the card program — a critical infrastructure counterpart rather than a direct competitor.
• ecolytiq: Berlin-based sustainability-data and climate-footprint technology provider used by European banks to embed impact measurement — a thematic enabler/adjacent player in the sustainable-banking stack whose capabilities overlap with Tomorrow's impact reporting.

Market position

Strengths4 records

Weaknesses4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/tomorrow_bank
• YouTubeyoutube.com/results?search_query=Tomorrow+Bank
• Facebookfacebook.com/bank.of.tomorrow
• LinkedInlinkedin.com/company/tomorrow.one
• Instagraminstagram.com/tomorrow_de

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tomorrow