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Tomorrow bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Tomorrow bank suits people who want a single app for a free debit card and a savings pot. The current account carries a monthly fee of €0, and the savings balance pays 3.1% on a variable rate, so idle cash still earns while you spend.

Key facts

Best for
A single app for a free debit card and instant access savings.
Monthly fee
€0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Tomorrow GmbH↗
Headquarters
Germany↗
Founded
2018↗
Support channels
Email, Help-centre↗
Features
Virtual card, Travel
Official website
tomorrow.one

Savings

Headline rate
3.1%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Instant access savings account: deposit or withdraw at any time, no minimum term or notice period, interest credited monthly, rate applies on balances up to EUR 50,000, requires an open Now, Change or Plus current account↗
Account kind
Easy access↗
Pricing model
No monthly fee

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • The monthly fee is €0 on a no monthly fee account, so the running cost is easy to budget
  • Savings pay 3.1% at a variable rate, above the site median of 3%
  • Savings deposits sit under EU DGS up to EUR 100,000, the EU guarantee on savings
  • The card is debit on the visa network, and virtual card and travel options are listed

Cons

  • The easy access savings account pays only on balances up to a stated cap, so money above that earns less
  • The savings account requires an open current account, which adds a step before you can save
  • Support runs on email and help centre only, so a blocked payment waits on email or the help centre
Tomorrow bank

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Anyone who wants a single app for everyday spending and instant access savings
  • Euro zone residents who bank in euros and want access to their money at any time
  • People who travel and want a debit card with virtual card and travel options

Who should look elsewhere

  • People who want a fixed term, since the account is easy access at a variable rate rather than locked in
  • Readers who want phone or chat support, since help runs on email and help centre alone
  • Anyone who wants a savings pot running on its own, since the savings account is built to sit alongside a current account

The company behind it

Tomorrow bank is run by Tomorrow GmbH, which is based in Germany and was founded in 2018. Support runs on email and help centre, so a question about a card payment or the savings rate is asked by email or in the help centre, in writing rather than by speaking to someone. That shape of support suits readers who are happy reading answers on screen.

How Tomorrow bank compares

Where Tomorrow bank is available

Available
Austria, Germany, Italy, Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold a Tomorrow bank current account?+

The account runs on a no monthly fee basis, with a monthly fee of €0. That keeps the day to day cost easy to budget. The card itself is debit on the visa network, and virtual card and travel options are listed alongside it.

How much interest does the savings account pay?+

The savings balance pays 3.1% at a variable rate, a little above the site median of 3%. The account is easy access, so you can take money out whenever you need it, and interest is credited each month rather than at the end of a term.

Is my money protected?+

Savings balances sit under EU DGS up to EUR 100,000, so the deposit side carries an EU guarantee on what you hold. The debit card spends from the current account kept alongside the savings, so the money you spend day to day and the money you save are held in different places.

Do I need a current account to open the savings account?+

Yes, the savings account is designed to run with an open current account, such as the Now, Change or Plus plan. Once that is in place, the easy access account takes deposits and withdrawals at any time, with no minimum term and no notice period.

What happens to the interest rate over time?+

Because the rate is variable, the interest you earn can move over time rather than being locked in, and the account is easy access with no minimum term or notice period for withdrawals. That lets a saver react quickly if a better deal appears elsewhere without giving up access to the balance.

What card do I get and what can it do?+

The card is debit on the visa network, so it works like an ordinary debit card rather than a credit one. Listed options include virtual card and travel, which suit people who want a virtual card for online payments and a card that travels well.

How do I get help if something goes wrong?+

Support runs on email and help centre, which means email and a help centre. A blocked card payment or a savings question is handled in writing, and you keep a record of the reply. Speaking to someone on the phone is not part of the offer, so urgent issues rely on those written routes.

Who runs Tomorrow bank?+

The accounts are run by Tomorrow GmbH, a company based in Germany that was founded in 2018. It builds euro zone accounts, so the card, the current account and the savings pot are designed to work together in a single market rather than across several currencies.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Tomorrow bank

Tomorrow bank

A single app for a free debit card and instant access savings.

8.8/10See alternatives