bunq vs Tomorrow
Side-by-side comparison — pricing, features, ratings, use cases. Find which Neobanks fits you best.
🔍 Independently researched ·
📊 Data-driven
· ⭐ Ratings from G2 (real user reviews)
46/100
Free tier
Eco-conscious EU/EEA residents who want a modern mobile bank with multiple sub-accounts, automatic budgeting, and visibl
💰 Pricing
🆓 Free tier available
Free tier includes 1 IBAN, basic features, ATM limits (€500/month EUR and €200/month foreign), and no travel insurance.
Starting at 69 Kč (freemium)
Fee notes:
- FX markup: 0.5% above interbank rate for currency conversions.
- Additional IBAN: €0.99 per month each.
- Card replacement fee: €10.00 (free for Metal plan).
- Out-of-network ATM fee: 1% of withdrawal amount (if exceeding monthly limit) for EUR, 2% for foreign currency.
- International transfer via SWIFT: €10.00 per transfer (fee waived for Metal plan).
⚠ Watch for:
- Easy Bank plan requires at least 3 transactions per month; otherwise a €9.99 fee applies.
- ATM withdrawals above monthly limits incur a 1% (EUR) or 2% (foreign) fee.
- Foreign currency withdrawals are subject to a 2% fee after the first €200/€750/€1,500 depending on plan.
- SWIFT transfers cost €10 each on all plans except Metal.
🔧 Features
✓ Free Tier✓ Mobile App✓ Multi Iban✓ Green Focus✓ Joint Accounts✓ Auto Sort
📋 Assessment
💪 Strengths
- Sustainability is genuinely built into the product. Every time you spend, bunq plants trees — one tree per €100 across all your card transactions. The app tracks your impact in a dedicated 'Green Card' section, showing your forest and the number of trees planted. This isn't a marketing afterthought; it's woven into the core experience, and you can see exactly how your spending affects the planet.
- Multiple IBANs and unlimited sub-accounts allow for exceptional financial organization. You can create separate accounts for bills, groceries, travel, or anything else, each with its own IBAN and card. This means you can set up direct debits for different purposes, keep budgets clean, and even accept payments into specific accounts. It's a powerful tool for freelancers or anyone who wants to separate personal and business finances without opening multiple banks.
- Auto-sorting is a standout feature that saves time and reduces manual effort. You can set rules (e.g., 'round up to the nearest euro and save') or let bunq automatically categorize incoming and outgoing payments. Funds are moved into designated sub-accounts based on your spending patterns, making budgeting nearly effortless. It's like having a personal accountant that works 24/7.
- As a fully licensed Dutch bank, bunq provides strong regulatory protection. Your deposits are guaranteed up to €100,000 under the EU deposit guarantee scheme, which is a critical safety net. This gives peace of mind, knowing your money is backed by a government-mandated insurance program, unlike many fintechs that only offer pass-through protection or none.
- The app experience is smooth and modern. Transaction viewing is intuitive, with instant notifications and real-time spending insights. You can also use contactless payments via Apple Pay or Google Pay, and virtual cards are available for online shopping. The app learns your habits and offers 'Spendz' — virtual prepaid cards that auto-convert to your local currency when you travel, eliminating foreign transaction fees.
⚠ Watch out for
- There is no free tier. Even the most basic bunq account costs €3/month, and to access the full feature set — multiple IBANs, sub-accounts, and auto-sorting — you need to pay at least €8.99/month for the Premium plan. This is a significant barrier if you're used to fee-free banking from Revolut or N26, and the cost can quickly add up for those with multiple accounts.
- Bunq is only available to EEA residents (plus a few adjacent countries). This means if you live in the UK, US, or anywhere outside Europe, you cannot open an account. This severely limits its appeal for non-Europeans, and even for Europeans, moving outside the EEA will cause your account to be closed.
- No physical branches or cash deposit network. If you ever need to deposit cash or speak to someone in person, you're out of luck. Everything is done through the app or online support. For a fully digital bank, this is expected, but it's a drawback for users who rely on occasional cash handling.
- Customer support can be slow and is primarily app-based. While there is a chat function and email support, response times can be up to a few days. There's no phone support, so urgent issues may be left unresolved. For a paid product, this lack of immediate assistance may be frustrating.
- The pricing structure is confusing. There are multiple tiers (Easy, Easy Money, Premium, Metal) with different benefits, and the most attractive features are often locked behind higher prices. This makes it difficult to choose the right plan, and you may end up paying for features you don't need just to get the ones you do.
🎯 Best for
Eco-conscious EU/EEA residents who want a modern mobile bank with multiple sub-accounts, automatic budgeting, and visible sustainability impact.
🚫 Who should skip
People outside the EU/EEA, users looking for a free bank account, or anyone who needs physical branches and extensive cash-handling features.
📚 Learning curve
Moderate — the app is intuitive, but understanding plan tiers, sub-account settings, and auto-sort rules takes some initial setup time.
🧑⚖️ Verdict
Bunq is an excellent choice for EU-based professionals and freelancers who want a feature-rich, digital-only bank with a strong sustainability focus. However, the lack of a free tier and the limited geographic availability mean it's not for everyone. If you value multiple IBANs, auto-sorting, and tr
79/100
Free tier
Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects a
★ Best
💰 Pricing
🆓 Free tier available
Basic account with features like CO2 tracking and climate investments, but no physical card, limited ATM withdrawals, and no interest
Starting at 100 Kč (subscription)
Fee notes:
- Card replacement fee: €10 for standard card, €20 for metal card
- Foreign currency conversion: 1.5% fee
- International transfer (SEPA): free, non-SEPA: €10 flat fee
- ATM withdrawal outside Eurozone: €2 per withdrawal for Future plan (max 3 free per month)
- Account closure fee: none
⚠ Watch for:
- Foreign transaction fee of 1.5% may apply even when paying in a foreign currency
- International ATM withdrawals beyond the included limits incur fees
- Interest rates are variable and may change over time
- Metal card has a higher monthly fee but the interest benefit may not outweigh it for smaller balances
🔧 Features
✓ Free Tier✓ Mobile App✓ Sustainable✓ Co2 Tracking✓ Impact Investing
📋 Assessment
💪 Strengths
- Every account balance automatically funds climate projects, regardless of your spending. This means that simply by keeping your money in the account, you're contributing to reforestation and renewable energy projects. It's a set-and-forget approach that aligns your idle cash with your environmental values.
- Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choices. Each purchase is categorized and assigned an estimated carbon footprint, showing you where your biggest emissions come from. The monthly carbon summary helps you set personal reduction goals.
- Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmental impact. By spending at partner businesses or making sustainable purchases, you can unlock higher interest rates on your balance—turning your spending habits into tangible financial benefits.
- A solid feature set for everyday banking: free Mastercard debit card, instant push notifications, spending analytics, and free ATM withdrawals in Germany and the Eurozone. The card is available in a CO₂-neutral variant made from recycled plastic.
- Transparent fee structure with a free Basic plan, making it accessible for those who just want a sustainable bank account without monthly fees. The paid tiers are reasonably priced compared to other premium neobanks.
⚠ Watch out for
- No free tier that also funds climate projects without a monthly fee. The Basic account has no monthly fee, but the climate project funding only kicks in with the paid Zero plan. So if you want to actively support projects, you must pay at least €3/month, which may put off budget-conscious users.
- Only available in Germany and a few other EU countries, limiting adoption for international users. The app is in German only, which can be a barrier for expats or non-native speakers.
- Lacks a physical branch network, which may be a drawback for users who need in-person services like mortgage consultations or complex account issues.
- CO₂ tracking is an estimate based on merchant category, not actual emissions. For example, a small purchase at a large retailer may be over- or under-estimated, which could mislead users who rely on the data for serious carbon accounting.
- The customer support is primarily via email and in-app chat, with no phone support during weekends. Response times can be slower during peak periods, and some users have reported issues with the chat feature in the app.
🎯 Best for
Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects and provides detailed carbon footprint tracking.
🚫 Who should skip
Anyone who needs a free bank account, lives outside the EU/Germany, or wants comprehensive business banking features.
📚 Learning curve
Minimal — the mobile app is straightforward, and the main novelty is that CO₂ tracking is automatic, so most users can start managing their finances immediately.
🧑⚖️ Verdict
Tomorrow is an excellent choice for eco-conscious individuals in Germany who want their everyday banking to actively contribute to climate action. It offers a unique mix of automatic carbon tracking, impact-linked interest rates, and transparent pricing. However, if you need in-person branch access
📊 Use Case Suitability
Higher score = better fit. Scores from editorial review.
Use CasebunqTomorrow
Everyday Spending in the Eurozone95—
Bunq provides a Dutch IBAN, a Mastercard, and instant payment notifications, mak
Sustainable Banking and Carbon Tracking92—
Tree planting per transaction and visible sustainability metrics are core featur
Managing Multiple Budgets and Sub-Accounts90—
Auto-sort rules and unlimited sub-accounts allow users to separate rent, groceri
Joint Money Management for Couples or Partners85—
Shared accounts, multiple cards, and real-time activity feeds make it straightfo
Travelers within the EU80—
Bunq's multi-currency support and EU-wide ATM/card acceptance are useful, though
Eco-conscious daily banking—95
Every account automatically funds climate projects and tracks transactions' carb
Carbon footprint tracking for personal spending—90
The built-in CO₂ tracking per transaction gives clear, itemized insight into the
Sustainable investing for beginners—85
Impact investing is integrated into the app, allowing users to start with climat
🧭 Which One Should You Pick?
Choose bunq if...
- You are: Eco-conscious EU/EEA residents who want a modern mobile bank with multiple sub-accounts, automatic budgeting, and visibl
- 👍 Sustainability is genuinely built in: tree planting is tied to your spending and visible in the app,
- 👍 You can create multiple IBANs and unlimited sub-accounts, making it easy to compartmentalize spendin
- 👍 Bunq is a fully licensed Dutch bank, so your deposits are covered by the EU deposit guarantee scheme
- 💰 From $3/mo
- ⚠ Trade-off: There is no free tier; even the most basic account requires a monthly subscripti
Choose Tomorrow if...
- You are: Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects a
- 👍 Directly funds climate projects from every account balance, regardless of spending.
- 👍 Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choice
- 👍 Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmen
- 💰 From $4.35/mo
- ⚠ Trade-off: No free tier — users must pay a monthly fee, though exact pricing is not clearly
❓ Frequently Asked Questions
Does bunq offer a free account?
No, bunq does not have a permanent free tier. All plans are subscription-based, though they offer a 30-day free trial so you can test the features before paying.
Can I use bunq if I live outside the EU/EEA?
Bunq is designed for EEA residents and requires an EU/EEA address to open an account. Availability for UK, US, or other non-EEA residents is very limited.
How does bunq's tree planting work?
Bunq links transactions to tree-planting projects and shows the estimated number of trees planted in the app. It is a core part of their sustainability focus, though the actual planting is handled through certified partner organizations.
Is my money protected by EU deposit insurance?
Yes. Bunq is a licensed Dutch bank, so deposits are protected under the Dutch deposit guarantee scheme up to €100,000 per customer.
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