ethical banking support when needed I was one of the first customer and ever since happy customer Hope they will get independent of Solaris bank in the near future.
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See what reviewers are saying
I did face difficulties in early stages but everything was resolved professionally by now. The idea and the impact behind the bank make me like it.
minimal, to-the-point design. Everything you need, nothing you don't. This is a 100% eco bank, so there is a curated Lifestyle section, which will never bother you tho. Fav features: live pockets to h... See more
Reliable, responsible and nice interface. 4 out of 5 stars only because there was trouble with sending me a new card once. Love the app, the design, funding options for social and environmental engage... See more
Company details
Written by the company
Mobile Banking trifft nachhaltige Finanzen. Tomorrow ist das erste mobile Girokonto mit positivem Impact. Unsere Kreditkarte schützt Bäume. Mit unseren Geldanlagen und Spar-Produkten förderst Du nachhaltige Branchen wie regenerative Energie, Bio-Landwi...
Contact info
Neuer Pferdemarkt 23, 20359, Hamburg, Germany
- hello@tomorrow.one
- tomorrow.one
4.4
Excellent
3K reviews
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Unfulfilled promises
Hi,
I like a lot bit will just get to the point with my critique.
I’ve been a customer for many years now and feel upset that you have not fulfilled your promise to become an independent bank as stated in the beginning.
I notice increased costs for the usage of account over the time and I am seriously considering to change my bank because I feel disappointed and kinda lose my trust that you’re going to stick to your initial goals.
Please be transparent about this.
11 December 2025
May use AI-assist with repliesRead more
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Poor security and worrying reaction to fraud
I opened an account with Tomorrow as an EU resident with a stable IT service contract in Europe, using the account only for normal, low-risk operations. One day I discovered several unauthorised online purchases on my card. These payments were processed without any confirmation in the app or additional security step, which in 2025 should be a basic standard for card-not-present transactions.
I immediately reported the transactions and requested a refund in line with VISA chargeback policies. Instead of helping, Tomorrow simply told me to “resolve it directly” with the merchant’s website. After I insisted on my refund request, they suddenly asked me for extra documents (residence permit, job contract, etc.) and then closed my account within two days.
Given that I have European residence, a European employer, and no unusual or high-risk activity on the account, this reaction feels extremely disproportionate. The only “risk factor” I can see is my nationality (Russian), but I have used this account for 3 years without issues.
Overall, my experience with Tomorrow is bad security, poor support in case of fraud, and an account closure instead of help.
1 December 2025
Unprompted review
Reply from Tomorrow
Hi Helena,
Unfortunately, the threat posed by phishing and other cybercrimes remains high in Germany and is being exacerbated by AI. All banks are equally affected by this.
Your card details can be compromised by unsecure or unverified online stores (always look for HTTPS), by hacking of PCs and servers, e.g., of reputable retailers, malware on your device, entering your card details on unsecure public Wi-Fi networks, the sale of your data by unsecure app providers, skimming (interception of data on the magnetic strip at ATMs, door opening modules, or directly in POS terminals), or increasingly sophisticated phishing.
We do not have your complete card details. We only see a masked card number and the expiration date. Only you have the security code and the complete card number. This means that loss on our part can be ruled out.
What we do to keep you safe:
Two-factor authentication via push notifications in your app (must also be supported by the merchant) secures card payments.
Our Smart Agent is our intelligent fraud detection system; it flags many suspicious transactions and blocks them itself.
Push notifications on your device inform you in real time about every movement on your account.
Virtual cards are quicker and easier to replace if something seems strange.
Our cards are equipped with a secure chip, not an outdated magnetic strip.
Our app is regularly updated to prevent malware and security vulnerabilities from creeping in.
In the event of an acute threat, we will inform you via push notification.
In addition, you can immediately block, unblock, or close your card at any time in your app under Profile -> Manage Cards, as well as set and change individual limits.
And in our pockets, your money is completely protected from access via the card.
If unauthorised debits do occur, we have the option of checking your case for a chargeback procedure. The first step of a chargeback procedure is to try and resolve the issue with the merchant. we did not ask you to resolve the issue on your own; we simply asked ou to go this first step, so that we can then continue for you. We explained this to you in detail.
If you were asked for further documents roughly around the same time, these two procedures are seperate.
Best,
Your Tomorrow Team
Easy to use and sustainable
9 September 2025
I’m a fan
Awesome app, great customer service, finally something a bank that is both sustainsble and modern. Happy to pay and support this!
27 November 2025
Very happy!
Very happy with the app and the concept of the bank. I have been a customer for many years and can only recomment it!
2 November 2025
Ethical banking for digital natives
Modern banking experience with delightful UX and sound ethics
21 October 2025
Sustainable and transparent
I love Tomorrow's focus on sustainability and transparency. I've been a customer since the beginning and have had great experiences with their customer service when I had a question or something didn't work – especially when compared to other banks!
20 October 2025
easy to use
easy to use up, intuitive design.
what i would love is the option to have transactions be taken from a pocket, rather than the “normal” money pot. that would make budgeting much easier :)
18 October 2025
Tomorrow is a good bank on its own.
Tomorrow is a good bank on its own, but there are hitches that could be addressed. Recalling bookings I never authorized was impossible thereby making me lose my money. I should be able to cancel bookings I never authorized without any hassle.
10 September 2025
Reply from Tomorrow
Hi,
thank you for your review.
Which transactions can be disputed and which cannot is beyond our control. For example, (from a purely technical standpoint; at all banks) direct debits can be returned with a single click, but transfers can only be reversed with the recipient's consent, which is a complicated process. And VISA decides which card payments can be disputed—again, the same for all banks.
We are sorry to hear that we have not managed to explain this to you clearly and thus retain your trust.
Best,
Tomorrow
Makes banking fun
Tomorrow is fun to use. It also communicates changes and donations transparently, so I really have a lot of trust in the app and thus the bank.
14 October 2025
Don’t trust this company
Don’t trust this company — it’s a scam. All my money disappeared, and when I tried to inquire, there was no response. and had to go to court to resolve the issue.
2 October 2025
Unprompted review
Reply from Tomorrow
Hi Ahmed,
thank you for your review.
We are not a scam, but a legitimate banking service provider. Money cannot disappear with us. When money is held, it is held on the basis of instructions from the authorities.
If you were able to clarify your request with a court order, you will also see on this order the reason why your funds were not available to you, and that this was not because we are a scam.
Kind regards from Tomorrow.
Support does not answer + the…
Support does not answer + the deductions are very expensive, I lost 200€ from my account, and when I asked about it, no answer, no support???!!
11 October 2025
Unprompted review
Reply from Tomorrow
Hi Aryk,
thak you for your review.
Our response times by email and in the chat are currently not to complain about. Please send us an email to support@tomorrow.one or come to our chat from Monday to Friday 9:30 am to 5 pm so that we can help you. If you have any problems with our chatbot, you can always use a keyword such as "human" or "employee" to get through to us immediately.
The withdrawal fee of €3 is shown transparently on the price list before opening an account and choosing an account model.
Please contact our support team so that we can help you.
Kind regards from Tomorrow
Easy im handling
9 October 2025
Really great and easy to use
8 October 2025
Really easy to use and Do something for…
Really easy to use and Do something for the environment without mich effort. Love them for it!
3 October 2025
Ok for daily use, but might lock your transactions without informing you
I've been with Tomorrow since the start. The bank features and app are ok for daily use. The instant transfers are a very nice addition.
Unfortunately that's where the good stuff ends. The app is becoming bloated with categorisation functions that, still after at least two years, are very broken. Especially between shared accounts.
But it gets worse. Earlier this year I informed Tomorrow that I am buying an apartment and a larger sum of money for the Eigenkapital will arrive in my account. When the time came and I had to transfer the money for the apartment, Tomorrow locked the transfer for over two weeks. I had to contact them to find out what was going on - and to be honest to this day they still haven't shared with us why this happened.
This turned into a very stressful situation for us (a family with a small child) since Tomorrow never shared when the money would be available - I was in contact with customer support every 1-2 days and every day it was the same "It will take 1-3 days". One time I was in the chat with a customer support agent and she leaked the answers to the security questions I was supposed to answer to identify myself, before I could answer. The money was finally released 4 days before we were moving in.
All in all ok for daily use but suffers from the usual neobank issues - blocks transactions without contacting you, bad customer service. And I would certainly not trust them for larger transactions in the future.
1 July 2025
Unprompted review
Reply from Tomorrow
Hi there,
thank you for your review.
Yes, blocked transfers are always very stressfull.
But in cases like these we unfortunately are not authorised to a) have the payment announced to anticipate the verification, b) tell you exactly when it will be released.
Transactions are not stopped by us, but by the licensed bank Solaris SE: For your own data protection, they only inform us when they have everything together and need to ask you questions. This could give the impression that you had to contact us first in order to obtain information.
Matters involving blocked funds are always processed as quickly as possible. Legal deadlines have not been exceeded here.
We are very sorry to hear that you were not satisfied with our support and actually encountered a security breach. We have looked into the matter and taken steps to prevent it from happening again. Feel free to point things like that out to us directly so that we can take action directly.
Best,
Tomorrow
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