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Oxygen is the banking solution for free thinkers, rebels and entrepreneurs.

Get flexible banking, along with real money cashback and a line of credit†. Oxygen has zero monthly fees and no overdraft fees, because your hard-earned money is yours to keep.

Oxygen looks at credit differently. No traditional income? We understand. Sign up, connect your old bank account and apply after banking with us for 90 days. You can apply from within the app to instantly access credit with fair rates.

Whether you’re an individual looking for a great mobile banking experience, starting your practice, or trying to follow your dreams, Oxygen is here for you.

Start using a banking product that gives you the power to choose and the space to fly. Download Oxygen today and breathe easy with free and flexible banking & credit.


Zero monthly fees to weigh you down
- No overdraft fees
- No monthly fees
- No minimum balance fees
- No ATM fees at designated locations
- No bank transfer fees

Oxygen Visa® Debit Card
- Single-Use and merchant locked virtual cards from within the app
- Card controls and alerts
- Freeze or cancel cards with a tap
- PCI-DSS compliant

Cash Back Rewards
- Earn cashback on everyday purchases
- No points, gimmicks or games; just real money

Manage Money
- Record and sort business expenses
- Accounting tools to help you control your budgets

Business Banking
- Nationwide discounted LLC creation
- Control monthly spending and authorized merchants
- SaaS accounting tools integrations

Get banking that lets you breathe with Oxygen today.

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

†Oxygen’s credit and loan products are offered by ReliefClub, Inc.; subject to application approval.

What’s New

Version 1.5.2

- Stabilization fix

Ratings and Reviews

4.7 out of 5
1.6K Ratings

1.6K 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!

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!

JaredRoussel ,

Perfect for new businesses! I love it!

I've been with Oxygen for about a month now and love it. I decided to form an LLC with them, and everything is going great so far. The interface is so sleek, and it's really easy and intuitive to switch between personal and business views. Give them a shot I say!

Downsides: no way to spend more than $500 in a day unless you initiate the transaction from the other bank, the categorization is totally wrong for many merchants and isn't too useful.


ReliefClub, Inc.
204.3 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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