Depending on your account tier (go here for an overview of our tiers) you can - in addition to your personal account - create a shared account which can be used by two people at a time. This account has its own IBAN, and is visible as a separate account in your app.

Unlike a classic joint account, only one person is the true account holder. The account holder can invite one other person to join the account.

The account holder authorizes the other person to use the account freely. The authorization can be revoked at any time.

Each account participant can order a free card for the account, which differs in design from the other Tomorrow cards. 

If you pay with this card, the amount is debited directly from the shared account.

Discuss with your +1 beforehand who will open the account (account holder) and who will be invited (authorized person). The power of attorney (authorization) over the joint account with all rights and obligations lies with the account holder only. (see also ‘Who does the money in the account belong to?’ and ‘Who is liable?’). 


Cash withdrawal:

The number of times that each person can withdraw money for free from the joined account, depends on the personal subscription model.

For example, if your +1 has Zero and you have subscribed to Change, the following is possible:

Your +1 can withdraw money for free with both cards (personal card and shared account card) an infinite number of times, and you can withdraw money for free with both cards a total of five times.