Tomorrow API Access & Open Banking Data | open-banking.io

Tomorrow is a Hamburg-based sustainable neobank, and open-banking.io lets you reach its account and transaction data without wrestling with PSD2 certificates or building your own bank integration. You connect once, and your Tomorrow accounts stream into a dashboard where every figure is decrypted on your own device with a key that never leaves it.

Because open-banking.io is zero-knowledge, its servers only ever hold your public key. The encrypted data they relay is meaningless without the private key generated locally when you sign up, so no one at open-banking.io — or anywhere else — can read your Tomorrow balances or payment history.

How to connect Tomorrow

Connecting happens entirely inside the open-banking.io dashboard, not through any API call or key:

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated right there on your device.
  2. In the dashboard, search for Tomorrow and choose the account type you hold — Tomorrow supports both business and personal accounts.
  3. You are redirected to Tomorrow's own secure login to approve access under PSD2. Your credentials go only to Tomorrow, never to open-banking.io.
  4. Grant consent — valid for up to 180 days — and your accounts sync back into your dashboard automatically.

That's it. There is no code, no redirect you build, and no API key involved in linking the bank.

Access your data

Once Tomorrow is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — it bundles the API key together with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext, which keeps the whole pipeline zero-knowledge.

All of this runs for around EUR 3 per month, across 2,600+ supported EU and UK banks.

Does Tomorrow have a BIC listed here?

No BIC is on file for Tomorrow in our directory. You still select the bank by name in the dashboard, so a BIC isn't needed to connect.

Can I connect a Tomorrow business account?

Yes. Both business and personal Tomorrow accounts are supported — just pick the matching account type during the dashboard connect step.

Up to 180 days. After that, you simply re-approve access on Tomorrow's consent screen to keep your data syncing.

Ready to start? Head to open-banking.io.