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Oxygen: Banking & Financial Services

Oxygen: Banking & Financial Services

Oxygen Banking

Flexible Banking Services

4.5 Ratings 11K+ Reviews 100K+ Downloads

Ratings & Reviews

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  • Great overall banking solutions... small app function issues Feb 3, 2021

    By DeviantTraveler
    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!
  • Love it but could use a few things Apr 21, 2021

    By Tanpeg99
    I opened my Oxygen account because of some issues i had opening “real” bank accounts like chime for example. I use oxygen for direct deposit and basically all of my spending needs, and for that purpose it’s great! Love the notified purchases, cash back options, virtual cards, and basically all of the features this app offers. However one thing it feel like it could definitely use is some sort of savings account, and even if not a legitimate savings account with interest and all, just some space to transfer a percentage of my paycheck so I don't feel so inclined to spend all of my money. I know that sounds very irresponsible, “just don’t spend the money then”, but the term out of sight, out of mind really applies in my financial life. I’m sure the app could use a few more features to make the banking experience feel more *real*, however for what it is, it’s fantastic!
  • Great for a basic card Mar 25, 2021

    By roseacds
    I’ve had an account for almost a year but just started using it almost half a year ago. If you’re just looking for a bank that has no hidden monthly fees. I’d really recommend this one. Plus, the cashbacks are amazing. It’s a very small selection of cash back. But I only use three of them on a regular basis Fast food & coffee, gas, and Walmart are my cash back offers. Only annoying part is that you have to switch the cash back offer manually rather than automatically accumulating the cash back. Also down fall is that there’s no Apple Pay/google pay/Samsung pay support. I personally don’t expect much from banks other than just accepting my direct deposit and just letting me use my money without fees, which is what Oxygen provides. Other than that, I’d give 5 stars if there was mobile contactless payment support. Since there’s not I guess a 4 will do.
  • May 4, 2021

    By Keri Lyell
    I've been with Oxygen about a year now. I love this bank!!! Your customer service is amazing. I had an issue early on. Someone charged my bank account, and it was not authorized. Oxygen cancled my card immediately, and mailed out another debit card. They emailed and messaged. They stayed in touch. I have to say, I have never seen such professional care, ever, until I started banking with Oxygen. They really do care about their customers, and it shows. Thank you Oxygen!! 10 STARS 🤩🤩🤩🤩🤩🤩🤩🤩
  • All it needs is...Oh it’s now compatible! Apr 10, 2021

    By Jg1398
    I have had an account/Card with Oxygen for about almost a year, never really used it because I mostly pay with Apple Pay, and finally got an email from them saying it can work with Apple Pay and Google Pay. I’m glad I didn’t throw away the card, now I use it everyday. Needs a bolder and more mature when it comes to the way the app looks. Dark mode to start it off. But to do basic transactions and Digital payments, you won’t have an issue with Oxygen.
  • Great to use minus some drawbacks Nov 17, 2020

    By JuanC626
    Overall the app is great and easy to use. However, there are some annoying drawbacks. First one is that you must activate the cash back offers otherwise you won’t get any cash back on eligible purchases. At first I didn’t know and spent $200 wondering why I didn’t get any cash back only to find out I must activate the offers first. Second, the time to transfer money. It seems it takes 5 business days to transfer money from another bank to this bank. It’d be awesome if it was like PayPal or other services where there are instant transfers or even much faster transfers. So yea, just wish all cashback offers were already automatically set without having to constantly check/switch between offers depending on what you’re purchasing and also I wish the transfers would be much faster.
  • Update - Works as advertised, sort of Apr 14, 2021

    By Redice1212
    I know this is a first world problem but, I will say the service is working as advertised now in my personal experience but, and not a huge deal to anyone except for me but: That pretty blue Visa debit card with the astronaut you see in the screenshots: Please note that is NOT the card that will be shipped to you. Instead I just got some bland, generic looking card in the mail. You can add it to Apple Pay now, but don’t pull a bait and switch on the debit card designs please. Other than that no complaints. . . Yet. I was about to actually sign up, but then I’ve seen the reviews and there’s no Apple Pay support? If that’s the case, PayPal (which also doesn’t support Apple Pay), is a better deal and that’s saying a lot. It’s been 7 years since Apple Pay has been released, and there really should be no excuse for lack of NFC support on Smartphones. It’s unfortunate but I would’ve actually given this bank a try and maybe even replace my actual bank Apple Pay is critical to me, so because of that. . . BYE!! And please, unless you have an actual timeline on when this overdue feature will finally be available, spare me a reply. No apologies needed here
  • Apr 25, 2021

    By Kailee Chancey
    Out of all the card accounts I have tried over the years and gotten screwed in one way or another, Oxygen, has by far been the absolute best so far!
  • GG’s Nov 12, 2020

    By Vxxa
    So far so good, Le good o’l chase liked to cram fees and overdraft charges down my throat; but so far oxygen has been a breath of fresh air. Already earned cash back with one of the options and I’m loving the simplicity of the app. Would love some cool oxygen merch or something to rep the brand around since they’re got my full backing. 10/10 would recommend to anyone looking to free up their lives from one of the many wacky banks out there. This bank might seem auspicious but they 100% are legit and worth the switch.
  • Apr 22, 2021

    By Emil Wells
    I love all the Cash back saving you can get using this app. Just by purchasing just about anything and then swipe and your on your way to new Cash back savings...
  • Great overall banking solutions... small app function issues Feb 3, 2021

    By DeviantTraveler
    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!
  • Love it but could use a few things Apr 21, 2021

    By Tanpeg99
    I opened my Oxygen account because of some issues i had opening “real” bank accounts like chime for example. I use oxygen for direct deposit and basically all of my spending needs, and for that purpose it’s great! Love the notified purchases, cash back options, virtual cards, and basically all of the features this app offers. However one thing it feel like it could definitely use is some sort of savings account, and even if not a legitimate savings account with interest and all, just some space to transfer a percentage of my paycheck so I don't feel so inclined to spend all of my money. I know that sounds very irresponsible, “just don’t spend the money then”, but the term out of sight, out of mind really applies in my financial life. I’m sure the app could use a few more features to make the banking experience feel more *real*, however for what it is, it’s fantastic!
  • Great for a basic card Mar 25, 2021

    By roseacds
    I’ve had an account for almost a year but just started using it almost half a year ago. If you’re just looking for a bank that has no hidden monthly fees. I’d really recommend this one. Plus, the cashbacks are amazing. It’s a very small selection of cash back. But I only use three of them on a regular basis Fast food & coffee, gas, and Walmart are my cash back offers. Only annoying part is that you have to switch the cash back offer manually rather than automatically accumulating the cash back. Also down fall is that there’s no Apple Pay/google pay/Samsung pay support. I personally don’t expect much from banks other than just accepting my direct deposit and just letting me use my money without fees, which is what Oxygen provides. Other than that, I’d give 5 stars if there was mobile contactless payment support. Since there’s not I guess a 4 will do.
  • May 4, 2021

    By Keri Lyell
    I've been with Oxygen about a year now. I love this bank!!! Your customer service is amazing. I had an issue early on. Someone charged my bank account, and it was not authorized. Oxygen cancled my card immediately, and mailed out another debit card. They emailed and messaged. They stayed in touch. I have to say, I have never seen such professional care, ever, until I started banking with Oxygen. They really do care about their customers, and it shows. Thank you Oxygen!! 10 STARS 🤩🤩🤩🤩🤩🤩🤩🤩
  • All it needs is...Oh it’s now compatible! Apr 10, 2021

    By Jg1398
    I have had an account/Card with Oxygen for about almost a year, never really used it because I mostly pay with Apple Pay, and finally got an email from them saying it can work with Apple Pay and Google Pay. I’m glad I didn’t throw away the card, now I use it everyday. Needs a bolder and more mature when it comes to the way the app looks. Dark mode to start it off. But to do basic transactions and Digital payments, you won’t have an issue with Oxygen.
  • Great to use minus some drawbacks Nov 17, 2020

    By JuanC626
    Overall the app is great and easy to use. However, there are some annoying drawbacks. First one is that you must activate the cash back offers otherwise you won’t get any cash back on eligible purchases. At first I didn’t know and spent $200 wondering why I didn’t get any cash back only to find out I must activate the offers first. Second, the time to transfer money. It seems it takes 5 business days to transfer money from another bank to this bank. It’d be awesome if it was like PayPal or other services where there are instant transfers or even much faster transfers. So yea, just wish all cashback offers were already automatically set without having to constantly check/switch between offers depending on what you’re purchasing and also I wish the transfers would be much faster.
  • Update - Works as advertised, sort of Apr 14, 2021

    By Redice1212
    I know this is a first world problem but, I will say the service is working as advertised now in my personal experience but, and not a huge deal to anyone except for me but: That pretty blue Visa debit card with the astronaut you see in the screenshots: Please note that is NOT the card that will be shipped to you. Instead I just got some bland, generic looking card in the mail. You can add it to Apple Pay now, but don’t pull a bait and switch on the debit card designs please. Other than that no complaints. . . Yet. I was about to actually sign up, but then I’ve seen the reviews and there’s no Apple Pay support? If that’s the case, PayPal (which also doesn’t support Apple Pay), is a better deal and that’s saying a lot. It’s been 7 years since Apple Pay has been released, and there really should be no excuse for lack of NFC support on Smartphones. It’s unfortunate but I would’ve actually given this bank a try and maybe even replace my actual bank Apple Pay is critical to me, so because of that. . . BYE!! And please, unless you have an actual timeline on when this overdue feature will finally be available, spare me a reply. No apologies needed here
  • Apr 25, 2021

    By Kailee Chancey
    Out of all the card accounts I have tried over the years and gotten screwed in one way or another, Oxygen, has by far been the absolute best so far!
  • GG’s Nov 12, 2020

    By Vxxa
    So far so good, Le good o’l chase liked to cram fees and overdraft charges down my throat; but so far oxygen has been a breath of fresh air. Already earned cash back with one of the options and I’m loving the simplicity of the app. Would love some cool oxygen merch or something to rep the brand around since they’re got my full backing. 10/10 would recommend to anyone looking to free up their lives from one of the many wacky banks out there. This bank might seem auspicious but they 100% are legit and worth the switch.
  • Apr 22, 2021

    By Emil Wells
    I love all the Cash back saving you can get using this app. Just by purchasing just about anything and then swipe and your on your way to new Cash back savings...
  • May 5, 2021

    By Yvette Swift
    So far nothing negative very satified!! This was my first opinion but since then I will change my statement due to shoddy customer service. Money was tooken from my account and it clearly says its still processing still processing over 5 days and nobody can tell me where my money is! They telling me it was returned to my account and it wasnt the merchant telling it is the bank holding my money and the bank telling me its the merchant! Then they tell me it was returned to and it clearly wasnt!
  • Great Ideas Poorly Executed May 30, 2020

    By slycooper41300
    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!
  • May 3, 2021

    By DeMetra Beasley
    Like many others, I was looking for the perfect financial institution for various reasons. Being self-employed and consistently seeking out new openings and opportunities, I didn't want the hassle of having undue stressors. At first, it was seemingly flawless. I logged in quite often and I never had a problem with it. Believe it or not, many apps lose its appeal because of the inability to log in. I immediately made this card my foundation card, favoring it over other cards which were more kno
  • Apr 20, 2021

    By Dre Co Gaming
    I'm raking this downward because of the fact that I cannot consistently stay logged in or I'll get an unknown error. This application was working really really good but now that I can't log in properly I am planning on moving to a better bank and closing out the account if the issue isn't resolved. I should not have to completely uninstall and reinstall an application to use my money or know how much is in my account I don't know what what's done but it needs to be fixed
  • Apr 23, 2021

    By Tom Guzman
    I would love to tell you about how this app works but after 10 days my account still isn't funded. I sent money from my bank account the day I signed up. Three days later money was taken from my account to go here and a week later it is still pending. Why is this so slow. I will use the funds I sent to this account whenever they are finally available and close this account. Don't get this. Apps like chime or cash app are so much better.
  • Apr 30, 2021

    By M Clark
    This bank is horrible. I tried signing up and they tried to say I was fraudulently trying to open account due to the patriot act LOL. I contacted customer service and for two more weeks I was in limbo until they said yesterday they couldn't help me at all. No explanation no help from customer service. I wonder what the service is like when you have a problem as a customer ? If I could give negative stars I would. The
  • Apr 15, 2021

    By Donald . Pascale
    It keeps displaying unknown error every time I try to login this is the third week for me battling this problem without reply from support.
  • Mar 4, 2021

    By Chantel Magpantay
    The app only loads sometimes and you can't go on a computer to check your balance. I've done everything on my part as far as resetting my phone, uninstalling then reinstalling and i'm still running into issues trying to load my account on the app. I had no issues before but if this continues, I don't plan on using oxygen for my banking. No should only be able to see their account, sometimes.
  • The absolute worst onboarding experience Nov 18, 2020

    By Clny9
    I tried to sign up for this app, which has the worst onboarding and customer service experience possible. They asked for a mailing address where the card will be sent to, I put my business address. However they failed to mention that the “mailing address” is also used for identity verification as well, so now there’s a problem with my application. I’ve sent numerous emails and spent hours on the phone to have them just let me resubmit my application but it seems that something so simple as changing an address is beyond this bank’s abilities. I have and have had accounts with all the major banks (JPM, WF, Citi, BofA, TD) and a simple 10 min call or walking into a branch would solve this. I don’t understand what’s wrong with Oxygen.
  • Worst bank ever! Jun 22, 2020

    By iwantmymoney1
    I haven’t received a debit card in 5 weeks! They said it’s in the mail. After not receiving it they said they’re going to cancel the one that’s supposedly on the and send a replacement that will take another 3 weeks! I don’t know what mail service they use but everything is as slow as it could possibly be. Not to mention trying to transfer your money to an account that you can access which will take five business days! Virtual cards is all they offer! If I could give them 0 stars I would because this is a hoax pretending to be a bank. If you want full access to your hard earned money you will never use this bank! Do not use! Do not refer a friend because they will be disappointed!

No reviews available

No reviews available

  • May 4, 2021

    By Keri Lyell
    I've been with Oxygen about a year now. I love this bank!!! Your customer service is amazing. I had an issue early on. Someone charged my bank account, and it was not authorized. Oxygen cancled my card immediately, and mailed out another debit card. They emailed and messaged. They stayed in touch. I have to say, I have never seen such professional care, ever, until I started banking with Oxygen. They really do care about their customers, and it shows. Thank you Oxygen!! 10 STARS 🤩🤩🤩🤩🤩🤩🤩🤩
  • All it needs is...Oh it’s now compatible! Apr 10, 2021

    By Jg1398
    I have had an account/Card with Oxygen for about almost a year, never really used it because I mostly pay with Apple Pay, and finally got an email from them saying it can work with Apple Pay and Google Pay. I’m glad I didn’t throw away the card, now I use it everyday. Needs a bolder and more mature when it comes to the way the app looks. Dark mode to start it off. But to do basic transactions and Digital payments, you won’t have an issue with Oxygen.
  • Apr 25, 2021

    By Kailee Chancey
    Out of all the card accounts I have tried over the years and gotten screwed in one way or another, Oxygen, has by far been the absolute best so far!
  • GG’s Nov 12, 2020

    By Vxxa
    So far so good, Le good o’l chase liked to cram fees and overdraft charges down my throat; but so far oxygen has been a breath of fresh air. Already earned cash back with one of the options and I’m loving the simplicity of the app. Would love some cool oxygen merch or something to rep the brand around since they’re got my full backing. 10/10 would recommend to anyone looking to free up their lives from one of the many wacky banks out there. This bank might seem auspicious but they 100% are legit and worth the switch.
  • Apr 22, 2021

    By Emil Wells
    I love all the Cash back saving you can get using this app. Just by purchasing just about anything and then swipe and your on your way to new Cash back savings...
  • Apr 11, 2021

    By Evalee Guerra
    This is the best service ever. The first month they sent me a really nice shirt. And the second month they sent my a really expensive "YETI" brand coffee tumbler mug. Just for using the service!! It was a nice suprise in the mail out of no were!! Idk of any company that surprises its users with free QUALITY gifts!! Besides all that the app is perfection, ZERO ADS, plus never had an issue with it. Has great features and easy to use. I recommend this app to everyone I know. 👌
  • Five Stars Jan 4, 2021

    By Marie Givens
    Discovered this card on Facebook, I’ve been having it for over 7 months NEVER experienced a problem. Benefits are provided “TWO DAYS” Faster after 3pm for unemployment benefits and at 11am for direct deposit of work benefits. I’ve currently applied for a business account I’ll be obtaining my llc through Oxygen Bank. I highly recommend this bank to anyone that’s looking to open a business or that already has a business you won’t be disappointed.
  • Mar 19, 2021

    By JT
    Been using for about a year. Can say without a doubt this is the best banking app on here. I even signed up for the card and it's high quality and looks great! Never had an issue with my money or even app after the last big update. Best part about Oxygen is the virtual cards, I use them a few times a week. It's much safer to not forget a subscription. They will automatically reject anything over the limit set of the virtual card. You can make unlimited cards! Support took 1 day via email
  • Apr 7, 2021

    By Andrea Watkins
    Best Banking App By Far!! I can honestly say I have tried so many online banking platforms and Oxygen is by far the best. The customer service is impeccable, and always promptly answer any questions you may have concerning your account. This is a must have if you do your banking online, or just simply need to access your bank account . I have never had my banking needs met so well fulfilled. Thank you Oxygen!!!
  • Perfect for new businesses! I love it! Apr 7, 2020

    By JaredRoussel
    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.
  • Great overall banking solutions... small app function issues Feb 3, 2021

    By DeviantTraveler
    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!
  • Love it but could use a few things Apr 21, 2021

    By Tanpeg99
    I opened my Oxygen account because of some issues i had opening “real” bank accounts like chime for example. I use oxygen for direct deposit and basically all of my spending needs, and for that purpose it’s great! Love the notified purchases, cash back options, virtual cards, and basically all of the features this app offers. However one thing it feel like it could definitely use is some sort of savings account, and even if not a legitimate savings account with interest and all, just some space to transfer a percentage of my paycheck so I don't feel so inclined to spend all of my money. I know that sounds very irresponsible, “just don’t spend the money then”, but the term out of sight, out of mind really applies in my financial life. I’m sure the app could use a few more features to make the banking experience feel more *real*, however for what it is, it’s fantastic!
  • Great for a basic card Mar 25, 2021

    By roseacds
    I’ve had an account for almost a year but just started using it almost half a year ago. If you’re just looking for a bank that has no hidden monthly fees. I’d really recommend this one. Plus, the cashbacks are amazing. It’s a very small selection of cash back. But I only use three of them on a regular basis Fast food & coffee, gas, and Walmart are my cash back offers. Only annoying part is that you have to switch the cash back offer manually rather than automatically accumulating the cash back. Also down fall is that there’s no Apple Pay/google pay/Samsung pay support. I personally don’t expect much from banks other than just accepting my direct deposit and just letting me use my money without fees, which is what Oxygen provides. Other than that, I’d give 5 stars if there was mobile contactless payment support. Since there’s not I guess a 4 will do.
  • Feb 27, 2021

    By Kolbe Rosales
    The app and bank as a whole is getting better. I have seen major improvements since I have signed up. No more crashes on the app or anything. They have definitely improved so I gave them another star. My advice to Oxygen would be to add every ATM for free and have a live chat option. Other than that I enjoy this bank.
  • Apple Pay Mar 2, 2021

    By Behind Android version
    I've used it for a few months now. Comparing with Varo Bank. Surprised there is no apple pay and I assume Google Pay? I also agree that transfers take longer to post.
  • It’s OK Dec 26, 2020

    By mikdeee992
    It’s an OK debit car they just take too long to process debits and your account leaves you with a false balance
  • Wonderful!!! Nov 7, 2020

    By RXNST2
    I can’t wait to see how this grows and I look forward to the community aspect of this. One suggestion ... please integrate with ZELLE for real-time transfers. The ACH piece is taxing on the millennial ‘instant’ mind. 👍🏾
  • Great to use minus some drawbacks Nov 17, 2020

    By JuanC626
    Overall the app is great and easy to use. However, there are some annoying drawbacks. First one is that you must activate the cash back offers otherwise you won’t get any cash back on eligible purchases. At first I didn’t know and spent $200 wondering why I didn’t get any cash back only to find out I must activate the offers first. Second, the time to transfer money. It seems it takes 5 business days to transfer money from another bank to this bank. It’d be awesome if it was like PayPal or other services where there are instant transfers or even much faster transfers. So yea, just wish all cashback offers were already automatically set without having to constantly check/switch between offers depending on what you’re purchasing and also I wish the transfers would be much faster.
  • Update - Works as advertised, sort of Apr 14, 2021

    By Redice1212
    I know this is a first world problem but, I will say the service is working as advertised now in my personal experience but, and not a huge deal to anyone except for me but: That pretty blue Visa debit card with the astronaut you see in the screenshots: Please note that is NOT the card that will be shipped to you. Instead I just got some bland, generic looking card in the mail. You can add it to Apple Pay now, but don’t pull a bait and switch on the debit card designs please. Other than that no complaints. . . Yet. I was about to actually sign up, but then I’ve seen the reviews and there’s no Apple Pay support? If that’s the case, PayPal (which also doesn’t support Apple Pay), is a better deal and that’s saying a lot. It’s been 7 years since Apple Pay has been released, and there really should be no excuse for lack of NFC support on Smartphones. It’s unfortunate but I would’ve actually given this bank a try and maybe even replace my actual bank Apple Pay is critical to me, so because of that. . . BYE!! And please, unless you have an actual timeline on when this overdue feature will finally be available, spare me a reply. No apologies needed here
  • Check deposit is terrible Dec 31, 2020

    By Nucleapat
    I have been using Oxygen bank for a few months and it has been very good until I tried to deposit a check. This bank does not cash its own checks it uses a secondary check cashing service that decides what checks it wants to cash. It also costs quite a bit of money to cash a check. I had a check drawn off a national bank from a legitimate company and the service would not process the check. It makes no sense that this would happen. I think the service Oxygen uses is Ingo. If you have direct deposit, Oxygen is awesome, if you need to deposit checks then this is not the bank for you.
  • Nicely designed app, but check deposit is terrible Apr 14, 2021

    By alexrest
    The app is visually beautiful and has some really nice features, but it’s not worth very much if I can’t put money in the account :) The app uses Ingo (or something) to deposit checks, but the UI is janky, the UX is terrible, and almost all of my checks have failed to deposit without any helpful explanation. The same exact checks deposit into Chime just fine. I just wish they would have spent less time on the eye candy and more time on the core features.
  • Robbery of your customer Sep 12, 2020

    By ass737
    Fees are outrageous I can’t believe what u charge as far as fees u have taken so many fees out of my account it’s ridiculous and it is always a hassle to speak to someone. You froze my card then pulled some really slick crap so no five stars here u maybe need to not rob folks
  • Customer service Mar 19, 2020

    By eddiec300
    So I just got this bank. I asked the customer service if this works with Venmo and he said yes. When I was able To connect my account to Venmo manually it worked. Now that I’m Trying to send money through Venmo. It doesn’t work.
  • ? Aug 20, 2020

    By Alop9898
    I think this project was given up on. Haven’t been any update on account status since creating it over two weeks ago.
  • May 5, 2021

    By Yvette Swift
    So far nothing negative very satified!! This was my first opinion but since then I will change my statement due to shoddy customer service. Money was tooken from my account and it clearly says its still processing still processing over 5 days and nobody can tell me where my money is! They telling me it was returned to my account and it wasnt the merchant telling it is the bank holding my money and the bank telling me its the merchant! Then they tell me it was returned to and it clearly wasnt!
  • Apr 20, 2021

    By Dre Co Gaming
    I'm raking this downward because of the fact that I cannot consistently stay logged in or I'll get an unknown error. This application was working really really good but now that I can't log in properly I am planning on moving to a better bank and closing out the account if the issue isn't resolved. I should not have to completely uninstall and reinstall an application to use my money or know how much is in my account I don't know what what's done but it needs to be fixed
  • Mar 4, 2021

    By Chantel Magpantay
    The app only loads sometimes and you can't go on a computer to check your balance. I've done everything on my part as far as resetting my phone, uninstalling then reinstalling and i'm still running into issues trying to load my account on the app. I had no issues before but if this continues, I don't plan on using oxygen for my banking. No should only be able to see their account, sometimes.
  • Not the best for business banking. Apr 14, 2021

    By Quinsten
    I figured I would give them a try as I keep seeing ads for LLC creation and business banking. I was originally told the timeline for creating the LLC was about 2-3 Weeks. I didn’t have a problem with the timeline, and I wouldn’t have even had a problem with it being longer. I had a problem with the fact that after 3 weeks I reached out to get an update, as I hadn’t heard a single thing from them, and they said “oh we’re just now reviewing your application and it’ll take another 3-5 weeks.” Again, the extension wasn’t the problem. The fact that it took me reaching out to them to find out the status before they even considered looking at my application is the problem. Only giving two stars instead of one because one of the three people I spoke with, Brian, was ~incredibly~ helpful. It’s a shame I didn’t have the opportunity to work with him sooner. He’s been the only positive experience I had with the bank.
  • Beware of spending limits - NO EXCEPTIONS FOR EMERGENCIES Apr 6, 2021

    By levi21274
    I loved this app. I loved the ease of use and seamless process. Then one day I had an emergency come up and I need to use the money in my account. I was told I exceeded my spending limit. I was baffled to learn that such a spending is very low I believe it was 2,500 for a 24 hour period. Medical emergency? No exceptions. I was told to do an ach withdrawal. Interesting, since that takes 3-5 days. Your maximum amount that you can use within 24 hours is 2,500 at a bank. Think about that before you dive in like I did. It’s basically a prepaid card if those are the limits. Customer service picked up right away when called only to be told to go away - no access for your funds right now. “Try again in 24 hours, I hope you feel better.” I am at a loss for words.
  • Speaking My Truth May 1, 2021

    By Deletia0012
    Ok. I was super excited to get the card. I posted on my Instagram and all, presentation was exquisite. They approved me for regular account but denied my business.... meanwhile.... funds in my account are ☺️. Anyways, I tried to stick with, through the disappointment but then while attempting to use the virtual disposable cards... nothing would go through. My experience was not a good one, however I hope to try them out in the future when they are more established. Peace and light.
  • Not the best Nov 8, 2020

    By Tongan754357
    Transactions are seamless and account updates are immediate. The rewards programs are real and paid in cash directly to your account. But what got my attention was the LLC formation feature and so far. It’s blah. It says it takes about 2-3 weeks but I’ve been waiting past 4 weeks now. Kinda frustrating.
  • The LLC creation is not working Jan 14, 2021

    By kaurcali
    Joined in order to create new LLC and have a business account. Oxygen advertises 2-3 weeks for this. It has now been over 8 weeks and help is not responding any more. Be prepared for a long and unresponsive wait if planning to use this feature
  • Great Ideas Poorly Executed May 30, 2020

    By slycooper41300
    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!
  • May 3, 2021

    By DeMetra Beasley
    Like many others, I was looking for the perfect financial institution for various reasons. Being self-employed and consistently seeking out new openings and opportunities, I didn't want the hassle of having undue stressors. At first, it was seemingly flawless. I logged in quite often and I never had a problem with it. Believe it or not, many apps lose its appeal because of the inability to log in. I immediately made this card my foundation card, favoring it over other cards which were more kno
  • Apr 23, 2021

    By Tom Guzman
    I would love to tell you about how this app works but after 10 days my account still isn't funded. I sent money from my bank account the day I signed up. Three days later money was taken from my account to go here and a week later it is still pending. Why is this so slow. I will use the funds I sent to this account whenever they are finally available and close this account. Don't get this. Apps like chime or cash app are so much better.
  • Apr 30, 2021

    By M Clark
    This bank is horrible. I tried signing up and they tried to say I was fraudulently trying to open account due to the patriot act LOL. I contacted customer service and for two more weeks I was in limbo until they said yesterday they couldn't help me at all. No explanation no help from customer service. I wonder what the service is like when you have a problem as a customer ? If I could give negative stars I would. The
  • Apr 15, 2021

    By Donald . Pascale
    It keeps displaying unknown error every time I try to login this is the third week for me battling this problem without reply from support.
  • The absolute worst onboarding experience Nov 18, 2020

    By Clny9
    I tried to sign up for this app, which has the worst onboarding and customer service experience possible. They asked for a mailing address where the card will be sent to, I put my business address. However they failed to mention that the “mailing address” is also used for identity verification as well, so now there’s a problem with my application. I’ve sent numerous emails and spent hours on the phone to have them just let me resubmit my application but it seems that something so simple as changing an address is beyond this bank’s abilities. I have and have had accounts with all the major banks (JPM, WF, Citi, BofA, TD) and a simple 10 min call or walking into a branch would solve this. I don’t understand what’s wrong with Oxygen.
  • Worst bank ever! Jun 22, 2020

    By iwantmymoney1
    I haven’t received a debit card in 5 weeks! They said it’s in the mail. After not receiving it they said they’re going to cancel the one that’s supposedly on the and send a replacement that will take another 3 weeks! I don’t know what mail service they use but everything is as slow as it could possibly be. Not to mention trying to transfer your money to an account that you can access which will take five business days! Virtual cards is all they offer! If I could give them 0 stars I would because this is a hoax pretending to be a bank. If you want full access to your hard earned money you will never use this bank! Do not use! Do not refer a friend because they will be disappointed!
  • Mar 4, 2021

    By Denise Young
    I haven't been able to login all day. I have called customer service, sent several emails with screenshot of the error message. I have uninstalled and reinstalled multiple times. NOTHING!! No response from I.T. services. Just plain NOTHING. Restarted my phone after each time. My experience with the customer service rep was beyond ridiculous. I know customer service business been doing it for 30 years. Denise Brady
  • Virtually no support Feb 16, 2020

    By TedddyPancakes
    I created my account easily enough, and I have received my card in the mail. Then for no reason at all, my account is limited in every possible way. I haven’t been able to activate my debit card, nor do anything else in the app. I’ve reached out to customer support at least 5 different times, and at first they tried troubleshooting with me, log out and in, uninstall and reinstall the app. After those steps didn’t resolve my issue... noting. No follow up, and now no responses at all. They obviously have no idea how their app works, could never figure out why my account has been limited, and now they have decided to just completely ignore me. I’ve had my queries go unanswered for literally weeks now.
  • Mar 10, 2021

    By Crate Hackers
    Does not work well , it took me several times to submit my application via the app because of app glitches. I had to open a ticket then when I found ways around it I was denied with no reason even though everything is order. They say they can't disclose why, like what? Any financial institution at least mails you a letter, avoid them go somewhere else.

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