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Tomorrow review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Tomorrow's savings account pays a variable rate of 3.1% on an easy-access balance with a monthly fee of €0, and it suits savers who already bank with the brand and want money available at any time. The limit is the balance cap on that rate, which sends larger savers to fixed-term accounts elsewhere.

Key facts

Best for
Easy-access euro savings for existing Tomorrow customers, at a variable rate of 3.1% and a monthly fee of €0.
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↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Tomorrow GmbH↗
Headquarters
Germany↗
Founded
2018↗
Support channels
Chat, Email, Help-centre↗
Pricing model
No monthly fee
Official website
tomorrow.one

Credit cards

Annual fee
€0↗
Currency conversion fee
2%↗
Rewards type
None↗
Features
Virtual card, Travel

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
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Pros and cons

Pros

  • A variable rate of 3.1% on instant access, with deposits and withdrawals available at any time.
  • A monthly fee of €0 and interest credited monthly, with no minimum term and no notice period.
  • Deposits sit under EU DGS up to EUR 100,000, and the licence names BaFin for the banking partner that provides the account.

Cons

  • The headline rate of 3.1% applies only to balances up to the stated cap, so money above it earns less.
  • The account works only alongside an open Now, Change or Plus current account, which rules out standalone savers.
  • Support runs on chat, email and help centre only, so there is no phone route for questions.
Tomorrow

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Current account holders at the brand who want easy-access interest on spare euros in the same app.
  • Savers who want their money back the same day rather than after notice, given the account type of easy access.
  • People comparing with Wise, which lists 3.29% against the 3.1% on offer here, and who value a linked current account.

Who should look elsewhere

  • Anyone wanting a standalone savings product, since the account needs an open Now, Change or Plus current account with the brand.
  • Savers holding a large balance, because the headline rate of 3.1% applies only up to a stated cap.
  • People chasing a fixed return, as the rate type is variable; Finteres lists a range of 0% to 36% on its own terms.

Deposit protection

Deposits sit under EU DGS up to EUR 100,000, so the money sits within the EU deposit guarantee rather than as an unprotected balance. The account itself is provided by a banking partner, and the licence names BaFin, the German Federal Financial Supervisory Authority, for that partner, with Tomorrow GmbH behind the app itself.

Rates and card terms

The savings account pays 3.1% with a rate type of variable, so the return can move with the market instead of being locked in. Deposits and withdrawals happen at any time, interest lands monthly, and the headline rate applies to balances up to the stated cap on the account.

How Tomorrow compares

Where Tomorrow is available

Available
Austria, Germany
Licence in Germany
BaFin (German Federal Financial Supervisory Authority), for banking partner Solaris SE providing the account, checked September 26, 2026

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

Frequently asked questions

What rate does the Tomorrow savings account pay?+

The account pays a variable rate of 3.1%. The rate type is variable, so it can move with the market rather than being locked in. Interest is credited monthly, and the headline rate applies to balances up to the stated cap.

Can I withdraw my savings whenever I want?+

Yes. The account is described as an instant access savings account, so you can deposit or withdraw at any time with no minimum term and no notice period. The account type is easy access, which is the pattern most easy-access savings accounts follow.

What does it cost to keep the savings account?+

The savings account carries a monthly fee of €0. On the current account side, the annual fee is €0, so the wider cost depends on which account you already hold with the brand and whether you would have opened it anyway.

Is my money protected if the provider fails?+

Your deposits sit under EU DGS up to EUR 100,000. The account is provided by a banking partner rather than the brand itself, and the licence names BaFin, the German Federal Financial Supervisory Authority, in relation to that partner.

Do I need a current account to hold savings here?+

You do. The savings account requires an open Now, Change or Plus current account with the brand, so it sits inside day-to-day banking rather than standing alone. On top of that, the rate of 3.1% applies only up to a stated balance cap.

What card comes with the account and what does spending cost?+

The card attached to the account is a debit card on the visa network, with a virtual card and travel features listed. The currency conversion fee is 2% and the annual fee is €0, which matters if you travel or spend abroad often.

How do I reach someone for help?+

Support runs on chat, email and help centre. There is no phone channel in that set, so chat, email and the help centre are the routes on offer for questions about the savings account, its rate or the balance cap.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit.

Tomorrow

Tomorrow

Easy-access euro savings for existing Tomorrow customers, at a variable rate of 3.1% and a monthly fee of €0.

8.7/10See alternatives