Oxygen: Banking & Financial Services

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.
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What's New

Bill Pay
Business Account application updates
Comic Notifications
Small design updates and enhancements
Stabilization fix
Read more

Additional Information

July 6, 2020
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
Oxygen Banking
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