Banking on a better Tomorrow
Tomorrow offers a sustainable mobile banking experience that enables its users to achieve a positive impact with their money. The users’ deposits are invested in sustainable projects, including renewable energies and social housing developments and for every euro a user pays with their Tomorrow card, Tomorrow protects 1 m² of rainforest from deforestation. Premium “Zero” users can even offset their carbon footprint entirely. Kitted out with the full suite of banking features, Tomorrow combines a state-of-the-art user experience with a sustainable philosophy.
To make their vision of a platform for ethical finance a reality, Tomorrow knew that at the center of their proposition they needed to offer a fully-fledged bank account. This would act as the central hub to which further value-added services around sustainable investing could then be added. This, however, was no easy feat:
- To offer a basic bank account and card, the German regulator demands a banking license. However, due to the immense operational effort and sunk costs required for getting a banking license, Tomorrow looked for a licensed provider that could shoulder these burdens.
- Further, Tomorrow needed to move quickly. The European mobile banking market was getting increasingly crowded and new features were being launched at a rapid rate. Tomorrow was in search of a partner that was on eye-level in terms of technological capability and speed.
- Finally, the partner of choice needed to accommodate Tomorrow’s unique brand – not just in terms of design, but also in terms of infrastructure. After all, Tomorrow wanted to offer features that allowed for investments with positive social and environmental impact.
A fully-fledged mobile banking experience
With Solaris’ digital banking APIs, Tomorrow is able to offer its customers a modern mobile banking account complete with SEPA credit transfers & direct debits, real-time push notifications and automatic categorization of transactions – all without having to obtain an own banking license. What’s more, with sub-accounts, which Tomorrow lovingly calls “Pockets”, users can set savings targets and manage their spending behavior for improved financial wellbeing. Naturally, Tomorrow keeps full control of the app design, creating a wholistic brand experience.
A card for your conscience
No account is complete without a card. With Solaris’ Visa debit cards, Tomorrow’s users have the full control: setting a new pin, blocking and unblocking the card and setting specific card limits can be done within the app at any time. But that’s not all - to fulfil its promise of sustainable banking, Tomorrow offers a card made entirely of sustainably sourced wood – an eye-catching statement for a plastic-free world. In a rush? Tomorrow’s cards are also compatible with Google Pay & Apple Pay for an easy tap & go payment experience.
The project in numbers
Hear what our partners have to say
“With its fast processes and well-established technology, Solaris is the ideal partner for us to implement our mission: to bring sustainable banking into the mainstream.”
Co-Founder of Tomorrow