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Oxygen is a modern digital banking platform for the 21st century economy – the free thinkers, rebels, and entrepreneurs. Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, Member FDIC

TraderJoes, Gas, Food delivery, and more. Plus $1 back at your favorite coffee shop!

Boost your savings by rounding up the change; grow it with Annual Percentage Yields (APYs)3, up to 20x the average national rate.4

Retail benefits like cell phone insurance and extended warranty, travel perks like delayed and lost luggage, hotel theft, and car rental damage waiver protection. See below for premium benefits on SELECT ELEMENTS.

Pay friends through the app, fee free bank transfers, pay bills, and access over 40,000 fee-free domestic ATMs5. Keep your money safe with card controls, card freezing, and virtual cards.


No qualifications or fees. No monthly fees or minimum balance
All standard benefits, plus:
2% Cashback / Savings with a robust APY on balances of $20,000 or less / 3 Savings Goals / 3 Virtual Cards

Qualification: 30 consecutive days qualified deposit ($1,500), spend ($500) plus a $19.99 Annual fee.6
All standard benefits, plus:
4% Cashback / Savings with a robust APY on balances of $20,000 or less / 10 Savings Goals / 15 Virtual Cards / 2 mo. Netflix reimbursement

Qualification: 30 consecutive days qualified deposit ($3,000), spend ($1,000) plus a $49.99 Annual fee.6
All standard benefits, plus:
5% Cashback / Savings with a robust APY on balances of $20,000 or less/ Unlimited Savings Goals & Virtual Cards / 2 mo. Netflix & Peloton digital reimbursement/ PriorityPass™ Membership plus 5 Annual Visits

Qualification: 30 consecutive days qualified deposit ($6,000), spend ($2,000) plus a $199.99 Annual fee.6
All standard benefits, plus:
6% Cashback / Savings with a robust APY on balances of $20,000 or less / Unlimited Savings Goals & Virtual Cards / 2 mo. Netflix & Peloton reimbursement/ PriorityPass™ Membership plus 10 Annual Visits / Global Entry Reimbursement.

Cashback on Ride Share, Gas & more!
Tag expenses
Virtual cards with spending controls
Business Savings Account7
Form an LLC from within the app8

Banking Services provided by The Bancorp Bank, Member FDIC. The Oxygen Visa® Debit Card and the Oxygen Visa® Business Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1 Cashback percentage varies by element. Variable annual fee, deposit and spend requirements may apply. Please refer to Cashback Terms & Conditions for full details.

2 1.25% annual percentage yield (APY) applies to Fire Element only and with balances of $20,000 or less. For balances over $20,000, APY ranges from 1.25% to 0.21%. APYs current as of 6/17/21. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. See oxygen.us/apy for details.

3 Savings APY varies by Element. Variable annual fees, deposit and spend requirements may apply. No interest paid on balances over $20,000.  Please refer to oxygen.us/apy for details.

4 Based on the average Savings APY at Bankrate.com

5 Out-of-Network and International fees apply. Third party fees may apply.

6 Annual fee assessed only once if you continue to meet the deposit and spend qualifications

7 Refer to the Business Savings Account Agreement for full details

8 LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected

What’s New

Version 2.0.0

What’s New:

Introducing OXYGEN ELEMENTS with 4 tiers - Earth, Water, Air, Fire - enjoy an escalating set of benefits like cashback, savings features, retail benefits, and more!

Ratings and Reviews

4.7 out of 5
5.2K Ratings

5.2K Ratings


Awesome Features

I have used the Oxgen Bank account for over 3 months. Much better than N26 or Revolut (not even close). I find myself using this card more than my other debit and credit cards. The card arrived quickly. Was very easy to setup direct deposit and send money to and from my other accounts. The cash back offers are great. Love the 7% back at Trader’s Joe’s. Switched my Uber and Lyft payments to this Oxygen account given the cash back. The APP updates you when a purchase is made and how much cash is available to be redeemed. Have it synced with my watch and see the Trader Joe’s cash back on my watch as I leave the store. Recently sent a check from the APP for a bill. Love not having to write checks nor find stamps. Used the virtual card feature as well. Looking forward to early pay. Great company! Great features!

Valpoo ,

Could use some feature and option improvements

Overall the app is wonderful and most of the features as well. There are two issues that I believe would be easily resolved if addressed. The 500 atm withdrawal per day limit. This should be something the account holder has control over or raised to at least 1000 a day. This is a constraint that’s a bit too tight these days with pricing as it is. The next is the 14 day time frame for which a check is sent for any check issued bill pay. Often it isn’t possible to set up a payment 14 days prior to due date so waiting 14 days will make payment late. This could lead to late fees for the consumer. The support correspondence is very good in app. Answers always provided to questions. The policies or FAQ pages need to be added with some added info so the consumer is more informed. There is no easy location of atm withdrawal limit info (had to chat with support to get the details) no info on bill pay with check time for check to be processed and sent. I’d this information is listed within the app or website it isn’t easily located. There should be a help page with all the details and specifics there to answer common questions. I do love many of the features of the account and love using it as it is very organized. I’d only like to see the above improvements. This card has the potential to be the best out there with a few tweeks.

Developer Response ,

@Valpoo - Thank you so much for all these great suggestions! We here at Oxygen take our customer feedback very seriously. We will be taking this to our development team so that we can better assist our customers experience. Please keep an eye out for any additions coming down the pipeline that may improve our app!

slycooper41300 ,

Great Ideas Poorly Executed

I am very disappointed as a customer & working class personal with this bank. The virtual card feature would be amazing if implemented by other banks, yet The customer service is very disrespectful and ignorant, I attempted to close my account after finding out 90%+ of transfers including cash deposits take up to five days to clear and even show up on your statements, they are obviously are more concerned about holding the money rather than giving it to the owner to spend as they see fit. After messaging there customer service inquiring to close my account I was then reinsured “this bank has lots to offer” and they would like me to possibly reconsider, I explained that this bank does not suit my financial needs and did not receive a response until the following day..... after the third day of communicating with there “support team” I decided to give up spent a majority of the balance leaving about $1 in my account and deleted the app entirely. ****WOULD NOT RECOMMEND***** to an enemy of mine never mind a friend. And to the customer service Team, I hope someday you are able to master the skills required for your job, until then Good Luck!

Developer Response ,

@slycooper41300 - We are really sorry to hear that you had these issues while using your Oxygen account and that you didn't receive the level of customer service you were expecting. We are diligently working to ensure our customers are getting the best experience and support needed on a fast turnaround.

Please also accept our apology for replying to your review after a while. Rest assured, we take your review very seriously at Oxygen.

If you'd like to consider us again, we would love to help reset your experience. Unfortunately, we can't pull up your information through the app store, so can you please contact us at support@getoxygen.com and we will have a senior associate help you.

Please include in that email - your full name, oxygen app email address, and your app store user alias.

App Privacy

The developer, Oxygen Finances, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Browsing History
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Browsing History
  • Identifiers
  • Usage Data
  • Sensitive Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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