Overview
Description
Tomorrow is a German sustainable neobank that offers mobile-first checking accounts and debit cards, using customer deposits exclusively to finance climate protection and sustainability projects.
General Info
Overview
Area served
Pros & Cons
Pros
Instant Virtual Cards. Instant issuance of virtual cards right after opening an account or in just a few clicks
Remote Account Opening. Ability to open an account entirely online (including video verification) without visiting a branch. Crucial for non-residents
Fast International Transfers. Fast processing of international transfers (SWIFT, SEPA, etc.) with minimal delays
Cashback & Rewards. Loyalty program offering high cashback percentages or bonus miles on purchases
Extensive ATM Network. Large network of in-network or partner ATMs with free cash withdrawals
Cons
High Card Issuance/Delivery Fees. Expensive fees for physical card issuance or delivery (especially international)
No Remote Onboarding. Inability to open an account remotely, requiring mandatory personal presence at a bank branch
Hidden Fees & Commissions. Presence of non-obvious fees (for bank statements, account inactivity, SMS alerts, etc.)
Slow Customer Support Response. Slow customer support service, long response times in chats, or extended waiting times on the line
Strict Account Minimums. Requirement to maintain a high minimum account balance to avoid penalties or fees
High Out-of-Network Fees. High fees for cash withdrawals at out-of-network ATMs or abroad
