
Based on looking at the Tomorrow.one website, it appears to be a digital banking service offering various account models with a strong emphasis on sustainability.
While it promotes features like easy account opening, mobile payments, and a positive environmental impact through its investments, it’s crucial to acknowledge that financial services involving interest Riba are impermissible in Islam.
The website explicitly mentions “Zinsen” interest on savings accounts and potentially for overdraft facilities, which directly falls under Riba.
Therefore, while the concept of managing finances digitally is permissible, engaging with any service that charges or offers interest is to be avoided for a Muslim.
Instead, we should always seek out halal financial alternatives that align with Islamic principles, focusing on ethical investments, interest-free banking, and charitable giving.
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IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.
tomorrow.one Review & First Look: A Digital Banking Hub with a Catch
Based on a thorough review of the Tomorrow.one website, it presents itself as a modern digital banking solution designed for individuals seeking to manage their finances with a conscience.
The platform emphasizes ease of use, a streamlined mobile experience, and a commitment to sustainable investments.
From a quick glance, it aims to be a one-stop shop for daily financial management and long-term goals, all within a single app.
Initial Impressions and User Interface
The website itself is clean, intuitive, and clearly designed for a user-friendly experience.
Key information is presented upfront, with clear calls to action for opening an account. Manis-h.dk Reviews
The mobile-first approach is evident, suggesting a seamless experience on smartphones.
- Clean Design: The layout is uncluttered, making it easy to navigate and find relevant information.
- Sustainability Focus: The emphasis on “sustainable” investments and “protecting the planet” is heavily highlighted, appealing to an environmentally conscious demographic.
- App-Centric: The entire ecosystem appears to revolve around their mobile application, providing access to all features.
The Underlying Issue: Interest-Based Offerings
However, a critical aspect that immediately stands out for a Muslim audience is the clear promotion of interest-bearing accounts. The website prominently features “bis zu 2% Zinsen*!” up to 2% interest* on savings accounts and references potential interest rates for overdrafts. In Islamic finance, earning or paying interest, known as Riba, is strictly prohibited. This fundamental principle makes Tomorrow.one’s core offerings incompatible with Islamic teachings.
- Explicit Interest: The presence of “Zinsen” on savings and potential overdrafts is a direct conflict.
- Sharia Non-Compliance: This fundamental aspect renders the service unsuitable for Muslims seeking to adhere to Islamic financial principles.
- No Halal Alternative: There’s no indication of an interest-free option or an Islamic finance window within their services.
The Reality of tomorrow.one Features: A Closer Look at What’s Offered and What’s Problematic
Tomorrow.one advertises a range of features aimed at simplifying personal finance.
While some functionalities are generally permissible in principle, their integration within an interest-based system renders them problematic.
Account Management and Daily Banking
The platform offers standard banking functionalities typical of a modern digital bank. Verifyswift.com Reviews
- Quick Account Opening: They boast a fast, few-minute account opening process. This convenience is common in digital banking.
- Debit Card: A free Visa Debit Card with a unique Tomorrow design is provided for worldwide payments and cash withdrawals.
- Mobile Payments: Compatibility with Apple Pay and Google Pay for quick and easy mobile transactions.
- Budgeting Tools: A “Monatsübersicht” monthly overview offers automatic analysis of expenses, and “Pockets” sub-accounts are designed to help users reach financial goals. These are useful tools for financial management.
Sustainable Investment Claims
Tomorrow.one positions itself as a bank that uses customer funds to “protect the planet and fight for a more just world.” They claim investments support:
- Ecosystem Restoration: Reforestation and other environmental recovery projects.
- Renewable Energies: Funding for solar, wind, and other clean energy initiatives.
- Sustainable Agriculture: Investment in eco-friendly farming practices.
- Affordable Housing: Contributing to social projects.
While supporting these causes is commendable from an ethical standpoint, the source of these funds, when derived from interest-bearing accounts, remains a significant concern for Muslims.
The principle in Islamic finance is that even good deeds should stem from halal earnings.
Additional Functionalities
The website also highlights other features designed for user convenience.
- Joint Accounts: Free joint accounts with an additional debit card.
- Cash Deposits: Option to deposit cash at partner stores.
- Rounding Up: A feature that rounds up purchases to the nearest Euro, with the difference contributing to climate justice projects. This is a form of charitable giving, which is encouraged.
- Real-time Transfers: Free real-time transfers and standing orders.
Despite the apparent utility of many of these features, their association with an interest-based banking model makes Tomorrow.one a non-viable option for a Muslim seeking to maintain financial integrity according to Islamic law. Langstaff-ellis.co.uk Reviews
tomorrow.one Cons: Why It’s Not a Fit for Muslims
While Tomorrow.one presents a sleek, modern banking solution with an admirable sustainability focus, its core operational model presents insurmountable issues for Muslim users due to its reliance on interest Riba.
Riba Interest at Its Core
This is the single most significant drawback for any Muslim considering Tomorrow.one.
The website clearly advertises interest on savings and implies it for other services like overdrafts.
- Explicit Interest on Savings: “Jetzt gibt’s bis zu 2% Zinsen*!” Now get up to 2% interest! is a prominent headline. This means your savings grow through Riba, which is strictly forbidden.
- Overdraft Interest: While specific rates might be hidden behind terms and conditions, the offering of a “Dispo” overdraft facility almost universally implies interest charges on borrowed amounts. This is also Riba.
- Violation of Islamic Law: The Quran and Sunnah unequivocally prohibit Riba, equating it to a major sin. Engaging with such a system, whether as an earner or payer of interest, is a direct contradiction of Islamic financial principles.
The Illusion of “Sustainable” Funds
While the idea of investing in sustainable projects is positive, the permissibility of the funds themselves is paramount in Islam.
- Tainted Funds: If the funds used for these investments are derived from or are part of an interest-based system, their “sustainability” becomes questionable from an Islamic perspective. The ends do not justify the means when the means are impermissible.
- Lack of Halal Screening: There’s no indication that the underlying investments are screened for Sharia compliance beyond their environmental or social impact. For example, investments might still be in companies involved in alcohol, gambling, or other forbidden industries, even if they have a “green” facade.
Absence of Halal Alternatives
Tomorrow.one does not offer any Sharia-compliant alternatives or specific interest-free accounts. Healthyline.com Reviews
- No Takaful: There’s no mention of Takaful Islamic insurance as an alternative to conventional insurance often linked with banking services.
- No Murabaha/Musharakah: They do not offer Islamic financing structures like Murabaha cost-plus financing or Musharakah partnership financing that replace interest-based loans.
- Conventional Model: The entire banking model appears to be conventional, making it unsuitable for a Muslim seeking a truly ethical and permissible financial pathway.
For a Muslim, the financial harm and spiritual implications of dealing with Riba far outweigh any perceived convenience or “sustainable” branding.
It is always better to seek out financial institutions that are unequivocally Sharia-compliant.
tomorrow.one Alternatives: Embracing Halal Financial Solutions
Since Tomorrow.one’s operations involve Riba, a fundamental prohibition in Islam, it’s crucial to seek out genuinely Sharia-compliant alternatives for managing your finances.
The good news is that the Islamic finance industry has grown significantly, offering various options that adhere to ethical and religious guidelines.
Dedicated Islamic Banks
The most direct alternative is to opt for full-fledged Islamic banks. Plag.pl Reviews
These institutions are built from the ground up on Sharia principles, meaning all their services, from savings accounts to financing, are interest-free.
- Global Presence: While perhaps not as ubiquitous as conventional banks in every corner of the world, Islamic banks are expanding, particularly in Muslim-majority countries and in financial hubs like London and Dubai.
- Sharia Boards: They operate under the supervision of a Sharia Supervisory Board, ensuring that all products and services comply with Islamic law. This provides an extra layer of assurance for Muslim consumers.
- Products Offered:
- Qard Hassan Interest-Free Loans: For essential needs, though usually subject to administrative fees.
- Murabaha Cost-Plus Financing: A common mode for asset financing e.g., car or home purchase where the bank buys the asset and sells it to the customer at a agreed-upon profit margin.
- Musharakah/Mudarabah Partnership Financing: Equity-based financing where profits and losses are shared, often used for business ventures.
- Ijarah Leasing: An Islamic leasing agreement.
- Takaful Islamic Insurance: Cooperative insurance based on mutual assistance, replacing conventional interest-based insurance.
Ethical & Socially Responsible Investing SRI Funds with Sharia Screening
For investments, look beyond mere “sustainability” to funds that also incorporate rigorous Sharia screening.
- Dual Screening: These funds typically screen out companies involved in impermissible activities alcohol, gambling, conventional finance, adult entertainment, pork products in addition to screening for environmental, social, and governance ESG factors.
- Reputable Providers: Seek out asset management firms or investment platforms that explicitly offer Sharia-compliant funds, often labelled as “Islamic Equity Funds” or “Halal Funds.”
- Examples: Look for funds that track Islamic indices e.g., Dow Jones Islamic Market Index, FTSE Global Islamic Index.
Interest-Free Savings Accounts in Conventional Banks with Caution
Some conventional banks may offer accounts that are technically “interest-free” or “current accounts” that do not pay interest. However, caution is advised.
- No Interest Paid, But Bank’s Operations: While you might not earn interest, the bank itself still operates on an interest-based model. Depositing money with them might contribute, albeit indirectly, to their interest-based operations.
- Best Used for Transactions: These accounts are best for transactional purposes salaries, bill payments where funds are not sitting idle for long periods to avoid indirect contribution to Riba-based activities.
Microfinance and Community Lending Initiatives
For those interested in supporting ethical finance on a smaller scale, or for borrowing without interest, consider community-based initiatives.
- Peer-to-Peer Halal Lending: Some platforms are emerging that facilitate interest-free loans between individuals or small businesses, often with a focus on social impact.
- Qard Hassan Initiatives: Local mosques or community organizations might offer small Qard Hassan loans to members in need.
The key takeaway is to actively seek financial partners whose entire operational model aligns with Islamic principles, ensuring that your wealth is managed and grown in a way that is pleasing to Allah. Brendathenanny.co.uk Reviews
tomorrow.one Pricing: A Breakdown of Their Account Models and the Hidden Costs for Muslims
Tomorrow.one offers three distinct account models, each with a different monthly fee and set of features.
While the pricing structure aims to cater to various needs, the underlying interest-based nature of their services means any cost associated with them represents a commitment to a non-Sharia-compliant financial relationship.
1. Now Account Entry-Level
This is presented as the entry-level option, designed for flexibility and affordability.
- “Pay What You Want” Model: The website states, “Mit unserer Pay What You Want Funktion kannst du beim Kontomodell Now selbst den Preis festlegen und jederzeit anpassen.” With our Pay What You Want function, you can set your own price for the Now account model and adjust it at any time. This suggests a minimum payment of €0 per month, with users deciding what they wish to pay.
- Features:
- Full-fledged entry account.
- Includes a free debit card.
- Access to basic app features.
- Implicit Cost for Muslims: Even if the monthly fee is €0, the account itself is part of an interest-based banking system. The “cost” for a Muslim is not financial, but spiritual, as it involves interaction with Riba.
2. Change Account Everyday Use
Positioned as the smart and flexible account for daily banking needs.
- Monthly Fee: €8 per month.
- Enhanced Features: Likely includes more “Pockets” sub-accounts, potentially more free cash withdrawals, and enhanced analytics tools compared to the Now account. Specific details would be in their detailed feature comparison.
- The Issue: The €8 monthly fee, though for services, is still paid to an institution that derives its core revenue from interest. This makes it an impermissible transaction for a Muslim.
3. Zero Account Premium with Extra Climate Protection
This is the premium offering, emphasizing additional features and a stronger environmental impact. Silkandsnow.com Reviews
- Monthly Fee: €17 per month.
- Premium Features: Expected to include the maximum number of Pockets, more free cash withdrawals, potentially higher limits, and an emphasized “climate protection contribution.” The website mentions “10 Euro bauen 1 Schubkarre Ökosystem auf” 10 Euros build 1 wheelbarrow of ecosystem, indicating a portion of the fee directly contributes to environmental projects.
- The Higher Cost: The higher monthly fee, while appealing to those who want to maximize their environmental contribution, only deepens the involvement with an interest-based system. For a Muslim, this premium service exacerbates the problem by increasing direct financial commitment to a Riba-based entity.
Overall Financial Implications from an Islamic Perspective
The pricing structure of Tomorrow.one, irrespective of the monthly fee, operates within a conventional banking framework. This means:
- Revenue Generation: The bank’s profitability, which enables it to offer these services, is primarily driven by interest income from loans and investments.
- No Service Fee Only: While some might argue that the monthly fees are for “services” rather than interest, these services are inextricably linked to the bank’s overall interest-based operations. From an Islamic perspective, it’s difficult to completely compartmentalize.
- Spiritual vs. Monetary Cost: For a Muslim, the ultimate “cost” of using Tomorrow.one is not just the monthly fee, but the spiritual implication of engaging with Riba.
Therefore, for a Muslim, none of the pricing tiers are truly permissible, as they all connect the user to an interest-driven financial ecosystem.
How to Cancel tomorrow.one Subscription: Steps for Disengagement
If you have inadvertently subscribed to Tomorrow.one and realize it conflicts with your Islamic financial principles, cancelling your subscription and closing your account is a necessary step.
While specific steps can vary slightly, digital banks typically offer a straightforward process for account closure.
General Steps to Cancel and Close Your Account
- Access Your Account: Log in to your Tomorrow.one account through their mobile app. Most digital banking services manage account closures primarily through their app interface.
- Navigate to Settings/Profile: Look for a “Settings,” “Profile,” “Account Management,” or similar section within the app.
- Find Account Closure Option: Within the settings, there should be an option related to “Close Account,” “Cancel Subscription,” “Terminate Account,” or “Deactivate Account.”
- Initiate Cancellation Process: Follow the prompts to initiate the cancellation. You may be asked for a reason for closure. You can state that it’s due to personal financial principles or simply choose “other.”
- Transfer Funds: Before closing, ensure you transfer any remaining balance to another, Sharia-compliant bank account. It’s crucial not to leave any funds in an interest-based account.
- Confirm and Verify: The app might require a final confirmation, perhaps through a PIN, fingerprint, or facial recognition. Once confirmed, you should receive an email or in-app notification confirming the account closure.
- Cut or Destroy Debit Card: Once the account is confirmed closed, cut up your physical debit card to prevent any accidental use or fraud.
Important Considerations Before Cancelling
- Outstanding Payments/Direct Debits: Ensure all direct debits or recurring payments linked to your Tomorrow.one account are transferred to your new, permissible bank account before closing. Otherwise, essential services might be disrupted.
- Linked Services: Check if any other online services, subscriptions, or payment platforms e.g., PayPal are linked to your Tomorrow.one account. Update these connections to your new account.
- Customer Support: If you encounter any difficulties or cannot find the option to close your account in the app, contact Tomorrow.one’s customer support. Their website mentions “Unser erfahrener Customer Support steht dir zur Verfügung, um deine Fragen persönlich zu beantworten.” Our experienced Customer Support is available to answer your questions personally. They should be able to guide you through the process.
- Record Keeping: Keep records of your account closure confirmation for your own records.
Disengaging from interest-based financial services is a crucial step for a Muslim to ensure their financial dealings are aligned with Islamic principles. Landdestateagents.co.uk Reviews
This might involve a temporary inconvenience, but the long-term spiritual benefit is far greater.
How to Cancel tomorrow.one Free Trial: Avoiding Unintended Riba Exposure
While the Tomorrow.one website doesn’t explicitly highlight a “free trial” in the conventional sense for their premium tiers, it does offer the “Now” account with a “Pay What You Want” function starting from €0 per month. This essentially acts as a free entry point.
If you’ve signed up for this or any introductory offer and realized its conflict with Islamic finance, it’s vital to disengage promptly to avoid any unintended exposure to Riba or commitment to an impermissible financial institution.
Understanding the “Free Trial” Equivalent
The “Now” account acts as the primary “free” entry point, allowing users to experience the platform without a mandatory monthly fee.
Other potential free trials might involve promotional periods for “Change” or “Zero” accounts, though these are less prominent on the main page. Shimu.co.uk Reviews
Steps to Cancel and Close an “Entry” Account:
- Log In to the Tomorrow.one App: As with full subscriptions, account management is primarily handled via their mobile application.
- Navigate to Account Settings: Look for the settings icon or section within the app, typically represented by a gear icon or your profile picture.
- Locate Account Management or Subscription Options: Within settings, search for options like “Account,” “My Plan,” “Subscription,” or “Manage Account.”
- Initiate Closure/Cancellation: Find the specific option to “Close Account,” “Cancel Plan,” or “Terminate Services.” For the “Now” account, this might be a straightforward account closure process rather than a “cancellation” of a paid subscription.
- Empty Your Account: Before confirming closure, ensure any funds you might have deposited, even small amounts, are transferred out to a Sharia-compliant bank account. Even minor amounts left in an interest-bearing system are best avoided.
- Confirm Cancellation: The app will likely ask for a confirmation. Proceed with it. You should receive a confirmation message within the app or via email.
- Destroy the Debit Card: Once confirmed, it’s a good practice to cut up the associated debit card.
Why Prompt Cancellation is Important:
- Avoid Riba Exposure: Even if you’re not earning interest, simply having funds within an interest-based system means you are connected to it. Disengaging immediately minimizes this exposure.
- Prevent Accidental Charges: While the “Now” account is €0, future changes in terms or accidental upgrades could lead to charges. Prompt cancellation prevents this.
- Maintain Financial Integrity: For a Muslim, adhering to Islamic financial principles is a continuous effort. Swift action to rectify an unintentional engagement with a non-compliant service demonstrates commitment to these principles.
- Data Security: Closing unused accounts is generally good practice for personal data security.
If you encounter any issues during the cancellation process, or if the option isn’t immediately clear in the app, always reach out to Tomorrow.one’s customer support for assistance.
They are legally obligated to assist you with account closure.
tomorrow.one vs. Halal Alternatives: A Fundamental Clash of Principles
When comparing Tomorrow.one with genuinely halal alternatives, it’s not a matter of features or pricing, but a fundamental clash of financial philosophies and religious principles.
Tomorrow.one operates within the conventional, interest-based banking system, while halal alternatives adhere strictly to Islamic financial law Sharia.
The Core Difference: Interest Riba
- Tomorrow.one: Prominently advertises “Zinsen” interest on savings accounts and likely applies interest to overdraft facilities. This Riba is the cornerstone of its profitability, directly conflicting with Islamic tenets.
- Halal Alternatives Islamic Banks/Institutions: Operate on an interest-free basis. Their business models are built around permissible contracts like:
- Profit-Loss Sharing Musharakah, Mudarabah: Instead of interest, returns are based on shared profits and losses from permissible ventures.
- Trade-Based Financing Murabaha, Ijarah: Profits are generated through buying and selling assets with a declared mark-up, or through leasing, rather than charging interest on loans.
- Service Fees: Charge transparent, pre-agreed fees for services rendered, not for the time value of money.
Investment Philosophy
- Tomorrow.one: Focuses on “sustainable” investments renewable energy, ecosystem restoration, etc.. While environmentally commendable, there’s no explicit Sharia screening for the underlying businesses. This means investments could still be in industries like conventional finance, entertainment podcast/movies, or other haram sectors, even if they have a green facade.
- Halal Alternatives: Implement rigorous Sharia screening processes for all investments. This involves:
- Exclusion of Haram Industries: No investment in companies involved in alcohol, tobacco, gambling, pornography, conventional banking/insurance, pork products, and certain entertainment sectors.
- Financial Ratios Screening: Companies must meet specific financial ratios to ensure their reliance on impermissible debt or interest income is minimal.
- Ethical Investing: Often naturally aligns with broader ethical investing principles, but with a specific Islamic overlay.
Products and Services
- Tomorrow.one: Offers standard current accounts, savings accounts with interest, debit cards, mobile payments, and budgeting tools. All are conventional banking products.
- Halal Alternatives: Offer Sharia-compliant equivalents:
- Current Accounts: Typically interest-free.
- Savings Accounts: Operate on a Qard Hassan interest-free loan basis where the bank guarantees the principal, or on a Mudarabah basis where profits are shared.
- Financing: Provide Murabaha for asset purchases e.g., home, car, Ijarah for leasing, or Musharakah for business partnerships.
- Takaful: Islamic cooperative insurance as an alternative to conventional insurance.
- Zakat Management: Many Islamic banks offer services to help clients calculate and pay their Zakat, a religious obligation.
Safety and Regulation
- Tomorrow.one: Regulated by the German financial supervisory authority BaFin and deposits are protected up to €100,000 by the German Deposit Protection Scheme DGS through its partner Solaris SE. This ensures conventional banking safety.
- Halal Alternatives: Are also fully regulated by their respective national financial authorities and often participate in deposit guarantee schemes. Additionally, they have an internal Sharia Supervisory Board that provides a crucial layer of religious oversight, ensuring compliance.
In essence, while Tomorrow.one appeals to ethical consumers concerned about environmental impact, it fails to meet the ethical and religious requirements of Islamic finance due to its interest-based model. Liquidmarkets.org Reviews
For a Muslim, a truly “sustainable” financial future means one built on permissible transactions and principles, which necessitates choosing dedicated halal financial institutions.
Frequently Asked Questions
What is Tomorrow.one?
Tomorrow.one is a German digital banking service that offers current accounts, savings accounts, and financial management tools via a mobile app, emphasizing sustainable investments.
Is Tomorrow.one a bank?
Tomorrow.one GmbH itself is not a bank.
It partners with Solaris SE, a fully regulated European bank supervised by BaFin, to provide the underlying banking services.
Does Tomorrow.one offer interest on savings?
Yes, based on their website, Tomorrow.one explicitly advertises interest “Zinsen” on savings accounts, with rates like “up to 2% interest p.a.*” for new customers. Tripgare.com Reviews
Is Tomorrow.one Sharia-compliant?
No, Tomorrow.one is not Sharia-compliant because it offers and deals with interest Riba, which is strictly prohibited in Islam.
What are the main features of Tomorrow.one?
Tomorrow.one offers mobile account opening, a free Visa Debit Card, Apple Pay/Google Pay integration, budgeting tools “Pockets”, joint accounts, cash deposits, and real-time transfers, all with a stated focus on sustainable investments.
Does Tomorrow.one have different account types?
Yes, Tomorrow.one offers three main account models: Now starting from €0/month with “Pay What You Want”, Change €8/month, and Zero €17/month, each with varying features.
How does Tomorrow.one claim to be sustainable?
Tomorrow.one claims to invest customer funds in sustainable projects such as ecosystem restoration, renewable energies, sustainable agriculture, and affordable housing.
Can I get an overdraft with Tomorrow.one?
The website mentions offering a “Dispo” overdraft facility, which typically involves interest charges and would therefore be impermissible in Islam. Pokeninjapan.store Reviews
Are my deposits safe with Tomorrow.one?
Yes, deposits with Tomorrow.one’s banking partner, Solaris SE, are protected up to €100,000 per customer by the German Deposit Protection Scheme DGS, as it is a fully regulated bank.
How do I close my Tomorrow.one account?
You can typically close your Tomorrow.one account through their mobile app by navigating to the settings or account management section.
Ensure all funds are transferred out before closing.
Can I cancel a Tomorrow.one “free trial” or €0 account?
Yes, you can cancel and close the €0 “Now” account or any introductory offer by following the account closure steps in the app to disengage from the service.
What are good Sharia-compliant alternatives to Tomorrow.one?
Good Sharia-compliant alternatives include dedicated Islamic banks e.g., Al Rayan Bank, Gatehouse Bank in the UK. Betterfelt.co.uk Reviews
Various Islamic banks in Muslim-majority countries, or ethical investment funds that explicitly follow Sharia screening criteria.
Does Tomorrow.one offer Islamic financing?
No, Tomorrow.one operates on a conventional banking model and does not offer Islamic financing structures like Murabaha, Ijarah, or Musharakah.
What is the “Pay What You Want” feature?
The “Pay What You Want” feature for the “Now” account allows customers to set their own monthly fee, starting from €0, and adjust it anytime.
Can I use Apple Pay or Google Pay with Tomorrow.one?
Yes, Tomorrow.one supports both Apple Pay and Google Pay for mobile payments.
Is Tomorrow.one available internationally?
The website primarily targets a German-speaking audience and mentions regulation by BaFin Germany, suggesting its primary focus is on the German market. Lacasadelelectrodomestico.com Reviews
What is the customer support like at Tomorrow.one?
The website states they have experienced customer support available to answer questions personally.
Does Tomorrow.one offer joint accounts?
Yes, Tomorrow.one offers free joint accounts which come with an additional debit card.
How do Tomorrow.one’s Pockets work?
Pockets are sub-accounts within the Tomorrow.one app designed to help users organize their finances and achieve specific financial goals, similar to budgeting envelopes.
What is the environmental contribution of the Zero account?
The Zero account, at €17/month, includes an emphasized “climate protection contribution,” with the website stating “10 Euro bauen 1 Schubkarre Ökosystem auf” 10 Euros build 1 wheelbarrow of ecosystem, indicating a direct environmental impact from the fee.
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