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 7% back at Trader Joe’s, Walmart, and your preferred Rideshare; 5% on Gas, 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
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
Releasing new versions every 20 days, on average.
- Small bugfixes and improvements
- Business sign-up flow updates
- MyCards design update
- Virtual cards limit increased
- Minor fixes and enhancements
- Added ability to apply for Business Account without Personal Account
- Stabilization fix
- Stabilization fix
- Bill Pay
- Navigation updates
- Business to business transfers
- Re-designed onboarding flow
- New address flow
- Shimmering for loading state
Minor fixes and improvement
-Handling of no internet connection
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