EU sovereignFintech & NeobanksHeadquarters: DE

Tomorrow: sovereignty score and 8 European alternatives

Tomorrow is a German sustainable digital bank with a mobile app, aimed at individuals who want their money held by a bank that avoids fossil-fuel investment. Its offering includes a current account with a Visa debit card and a virtual card, a savings account (Tagesgeld) and sustainable investment products such as a sustainable equity fund, crowdinvesting and bonds. According to Tomorrow, money in the account is not invested in fossil fuels or arms, and the company is a certified B Corporation. The service is delivered as an app and web service.

Tomorrow GmbH is based in Hamburg. The account is provided by Solaris SE in Berlin, which holds the banking licence and runs the core banking infrastructure; for investment brokerage Tomorrow acts as a tied agent. According to Tomorrow, deposits fall under the German deposit guarantee scheme. The software is proprietary, with no open-source or self-hosting option. For a European customer, the banking relationship falls under German and European law and supervision; no non-European parent company appears in the sources consulted.

See the 8 European alternatives ↓Assess your stack with Tomorrow pre-selected

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Sovereignty score

71 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in the EU: European law applies
Data residency SOV-3100
EU-only hosting
Cryptographic key sovereignty SOV-360
Key management with a European vendor
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-655
Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked July 2, 2026

Headquarters	DE (EU)Verified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	EUVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	YesVendor-stated
Hosting signal	SOPRADO-ANY - SOPRADO GmbH, DE (DE)Technically measured
Category	Fintech & Neobanks
Type	Product
Website	tomorrow.one ↗

The hosting signal shows the network that serves the vendor's website, often a CDN, and not necessarily where the service or your data is hosted. How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Tomorrow

The European alternatives to Tomorrow come from our knowledge base of over 8,000 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

144 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Tomorrow

Tomorrow is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Tomorrow scores best on data residency.

Tomorrow is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Tomorrow together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Tomorrow?

It depends on your use case. Strong EU alternatives to Tomorrow include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Tomorrow?

Our list of EU alternatives to Tomorrow is mostly commercial options. Browse the category on the map for open-source choices.

Is Tomorrow GDPR-compliant and where is the data hosted?

Tomorrow is headquartered in DE (EU) and hosts data in EU. That makes Tomorrow an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on July 2, 2026.

Sources

This record was checked via the vendor's website and legal notice during the full audit of June and July 2026. Source links have been recorded per record since 20 September 2026.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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