# Tomorrow

> Source: https://docs.barcoder.ai/docs/wallets/tomorrow-bank
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Tomorrow — official](https://www.tomorrow.one/)

## Overview

**Tomorrow** is a **German sustainable / impact-focused mobile bank** operated by **Tomorrow GmbH**, based in **Hamburg** and launched **March 2019** <sup>[1][1], [2][2]</sup>. 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** <sup>[1][1], [2][2]</sup>: Founded by **Inas Nureldin, Michael Schweikart and Jakob Berndt** as a smartphone-only sustainable bank.

**2020-2021 — Growth + crowd-investing rounds** <sup>[2][2]</sup>: 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** <sup>[2][2]</sup>.

**Major backers**: Mix of venture investors and large community crowdinvesting rounds <sup>[2][2]</sup>.

**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](https://docs.barcoder.ai/docs/wallets/n26), [bunq](https://docs.barcoder.ai/docs/wallets/bunq) (which also markets green credentials), other German neobanks; also impact-banking peers such as GLS Bank and Triodos.

## Status

**Active** <sup>[1][1], [2][2]</sup>:
- **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

[1]: https://www.tomorrow.one/ "Tomorrow — official"
[2]: https://en.wikipedia.org/wiki/Tomorrow_(bank) "Tomorrow — Wikipedia"
[3]: https://www.finextra.com/ "Tomorrow sustainable banking coverage — Finextra"

- [1] [Tomorrow — official][1]
- [2] [Tomorrow — Wikipedia][2]
- [3] [Tomorrow sustainable banking coverage — Finextra][3]

## Source

Biography extracted from [tomorrow-bank.md](https://docs.barcoder.ai/source/wallets/tomorrow-bank). See `matrix.md` for standards-support matrix if present.