Wallets/tomorrow-bank
Tomorrow
0 standards supported
Overview
Tomorrow is a German sustainable / impact-focused mobile bank operated by Tomorrow GmbH, based in Hamburg and launched March 2019 [1, 2]. Tomorrow's differentiator is environmental impact: customer deposits are channeled into sustainable projects, every card payment funds climate-protection initiatives, and the app emphasizes transparency about where money flows. It operates on a partner-bank model with Solarisbank.
History
March 2019 — Tomorrow launches in Germany [1, 2]: Founded by Inas Nureldin, Michael Schweikart and Jakob Berndt as a smartphone-only sustainable bank.
2020-2021 — Growth + crowd-investing rounds [2]: Tomorrow ran multiple successful crowdinvesting campaigns alongside venture funding, expanding its paid account tiers (Tomorrow Now, Tomorrow Zero) which fund higher levels of climate offsetting.
Ownership & operator
Operating entity: Tomorrow GmbH (Hamburg, Germany).
Founders: Inas Nureldin, Michael Schweikart, Jakob Berndt [2].
Major backers: Mix of venture investors and large community crowdinvesting rounds [2].
Regulator: BaFin (Germany); banking services partner-issued via Solarisbank.
Technical integration
| Layer | Description |
|---|---|
| Channels | Tomorrow mobile app (iOS + Android) + Tomorrow card |
| Identifiers | Email + phone + IBAN + card number |
| EU rails | SEPA Credit Transfer + SEPA Instant |
| Card network | Visa (Tomorrow card) |
| Wallets | Apple Pay + Google Pay via EMV tokenization |
| Sustainability | Deposits allocated to sustainable financing; card spend funds climate projects; CO2 tracking; recycled-material / wooden card |
| Tiers | Tomorrow Free / Now / Zero (Zero offsets a customer's full carbon footprint) |
Implementations & partners
Operator: Tomorrow GmbH.
Banking partner: Solarisbank (BaFin-licensed; account + card issuance).
Card-network partner: Visa.
Competitors: [[n26]], [[bunq]] (which also markets green credentials), other German neobanks; also impact-banking peers such as GLS Bank and Triodos.
Status
- Tomorrow GmbH operating a sustainable mobile bank in Germany.
- Partner-issued via Solarisbank; differentiated on climate impact.
- User numbers and financials not consistently disclosed in verifiable form (~).
Sources
Source
Biography extracted from tomorrow-bank.md. See matrix.md for standards-support matrix if present.