Tomorrow
Hamburg social business: card spend funds climate projects.
Climate-positive spending.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — Partner bank (Solaris SE, full German banking license, BaFin-supervised).
- The ledger
- Split between a program manager and the sponsor bank — the modular setup that broke in Synapse.
- If it fails
- Any claim runs through the sponsor bank, and only works if the two ledgers reconcile.
Derived from Tomorrow’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · climate |
| HQ | Hamburg, DE |
| Founded | 2018 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | Partner bank (Solaris SE, full German banking license, BaFin-supervised) |
| Card | Visa · Debit |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Founders | Inas Nureldin, Jakob Berndt, Michael Schweikart |
Verified links: official site ↗
Common questions about Tomorrow
What is Tomorrow?
Tomorrow is a fiat neobank built for climate, headquartered in Hamburg, DE and founded in 2018. Your money is held custodially, so Tomorrow or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (Partner bank (Solaris SE, full German banking license, BaFin-supervised)).
Does Tomorrow have a card, and where can you use it?
It issues a Visa debit card. It is available in Europe.
Does Tomorrow require KYC?
Yes. Tomorrow requires identity verification (KYC) to open an account, as a partner-bank model.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Tomorrow appears in
Neobanks running on someone else’s banking license (81) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182) · Neobanks in Germany (8)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.