iPhone Screenshots


Oxygen is a modern digital banking platform built for the 21st century economy - the free thinkers, rebels and entrepreneurs.

Oxygen offers flexible banking solutions for both Personal and Business accounts that are elegant, simple and secure.

Don’t like hidden fees? Neither do we. Enjoy no minimum balance fees, no monthly maintenance fees, no overdraft fees, and access to over 55,000 fee-free Allpoint ATMs.

Keep spending goals in check by connecting external accounts, and get Cashback* Rewards from approved merchants on things you buy everyday - like 5% cashback at Trader Joe's, Walmart, Gas and your preferred Rideshares, and $1 off at your favorite coffee shop, among others.

Small business or entrepreneur? Manage employee spending with one time use virtual cards. Upload receipts to the app and tag deductible expenses.

Get started today in just one minute.


Zero monthly fees to weigh you down
No monthly or minimum balance fees
Access to 55k fee-free Allpoint ATMs
No bank transfer fees

Oxygen VisaⓇ Debit Card
Silver foiled, contactless debit card.
Card controls and alerts
Freeze lost card with a tap
Virtual cards with spending parameters for secure online purchases

Business banking
Gold foiled, contactless business debit card
Business Cashback categories
Upload & tag deductible expenses (accounting tools)
Virtual cards with spending controls to manage employee expenses
Create an LLC from within the app*

Banking for the Extraordinary, from Oxygen.

Banking Services provided by The Bancorp Bank, Member FDIC. The Oxygen Visa® 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.

‡Please refer to Cashback Terms & Conditions

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

What’s New

Version 1.7.8

Small bugfixes and improvements

Ratings and Reviews

4.7 out of 5
4.5K Ratings

4.5K 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!

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.

DeviantTraveler ,

Great overall banking solutions... small app function issues

So... I have been banking with Oxygen for some time. And like others who have commented, oxygen is so much better than N26 and other solutions out there. The overall service ease of use is outstanding and the cash back categories are fair and reasonable.
With all that being said, I travel extensively, even during this pandemic; and if I wish to log in to use the app I need to use the app in tandem with a VPN solution in order to access my account, this can be an inconvenience, when I’m trying to do banking outside of the US and need to quickly access my account. This is probably due to some security function, but I would hope to see a correction made in the app to allow clients like myself to use the app with ease without constantly having to remember to turn on my VPN. Other than that small item I would give this overall service 5 stars! Thanks!

Developer Response ,

@DeviantTraveler - Glad to hear you love our services. Regarding your travel based logins, we can look into this for you. Would you please contact us at support@getoxygen.com and include your full name, oxygen app email address and your app store alias? Depending on the location of travel, we might have a solution for you.

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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