Say no to normal

Let’s do this

Stay
Let’s keep you moving

Game changers, entrepreneurs and creators move quickly. As the financial platform for free thinkers, we do too. We’re here for the people who are changing the world. Yes, we’re looking at you.


extra-


ordinary

Let’s keep you moving

Game changers, entrepreneurs and creators move quickly. As the financial platform for free thinkers, we do too. We’re here for the people who are changing the world. Yes, we’re looking at you.

Let’s keep you moving

Game changers, entrepreneurs and creatives move quickly. As the financial platform for free thinkers, we do too. We’re here for the people who are changing the world. Yes, we’re looking at you.

Apply Now

For the

  • makers
  • rebels
  • entrepreneurs
  • creatives
  • go-getters
  • visionaries
  • leaders
  • challengers
  • believers
  • doers

Reject ordinary

What do you think about banking? Think again. We’re committed to giving you the space and flexibility to do your thing. We believe in you. Grab every opportunity and enjoy the ride.

Oxygen is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Keep rising

Keep risingKeep rising

Keep rising

Keep risingKeep rising

We believe in you

Whether you’re a freelancer or LLC, roll with Oxygen. Awarded Best Overall Fintech App1 in the US. We’re also PCI DSS certified, the highest security in the payment industry.

make it
happen

For the influential

Personal

This is you

This is you

Oxygen - Mobile Banking - App
Oxygen - Mobile Banking - App
Oxygen - Mobile Banking - Personal shards

  1. Cashback rewards2

    Earn cashback on everyday purchases at approved merchants. No points and gimmicks. Just real money.

  2. Savings & robust APYs3

    Create savings goals and make your money grow with robust Annual Percentage Yields (APYs).

  3. Get paid early

    We get it. Sometimes you need money to grab an opportunity. Get paid up to 2 days early with direct deposit.4

  4. Virtual cards & P2P

    Enjoy the power to create single-use or merchant-locked cards that mask your card details. Even send money to friends.

  5. Retail and Travel Benefits

    Cell phone and travel insurance, PriorityPass™ Lounge Access, Netflix / Peloton digital reimbursement and more.

    Benefits vary by Element. Variable annual fee deposit and spend requirements may apply.

Apply Now

Time to level up

The best things happen when you follow your instincts and do what comes naturally. That’s why we’ve created Elements: Earth, Water, Air, Fire - four loyalty levels to suit your situation and help you succeed your way.

Drag

Be in your Element

Earth

  1. Cashback rewards

    Earn 2% cashback on purchases at approved merchants and $1 cashback on coffee. No points or gimmicks. Just real money.

  2. 0.50% Savings APY5

    Set round-ups, create up to 3 savings goals and earn a 0.50% Annual Percentage Yield on balances of $20,000 or less.

  3. Travel and Retail

    Cell phone insurance and extended warranty protection. Plus you’re covered while you travel with lost & stolen luggage, hotel theft, and car rental protection when you use your Oxygen Visa® Debit Card.

    See full Elements comparison

Your space to build

For the
world changers

Your time is now

Your business needs a banking platform that moves as fast as you do. We’re here for those who are working hard and travelling light — through early mornings and late payments. At Oxygen, we salute you.

Oxygen is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Our team is always looking for creative ways to help and reward life’s go-getters and achievers. Those with burning ambition and a spirit of rebellion. You will benefit from:

We’re right behind you

Our team is always looking for creative ways to help and reward life’s go-getters and achievers. Those with burning ambition and a spirit of rebellion. You will benefit from:

  1. Nationwide LLC creation10

    Speed through the process of incorporation in the Oxygen app – wherever you are in the US.

  2. 5% Cashback rewards11

    Earn 5% cashback on everyday business purchases at approved merchants on things like Gas, Rideshare, Shipping and more. No points and gimmicks. Just real money.

  3. No Monthly Fees

    With no monthly, minimum balance or ACH fees to hold you back, you can make your business boom

  4. Secure virtual Cards

    Create unlimited single-use cards for online spending with no fear of sharing your Oxygen Visa® Business Debit Card details. Control spending by dollar limit and by merchant.

  5. 1.00% Business savings13

    Earn 1.00% Annual Percentage Yield on balances up to $20,000. Saving money for a business expansion? Put money away and watch it grow in an Oxygen Business Savings Account.

“It paid to follow my instincts. I listened to the voice inside telling me that I would make it”

Apply Now

[email protected]
866-287-7021,
1700 Van Ness Ave, #1182,
San Francisco,
CA 94109
[email protected]
866-287-7021,
1700 Van Ness Ave, #1182,
San Francisco,
CA 94109

Banking Services provided by The Bancorp Bank, Member FDIC. The Oxygen Visa® Debit Card and the Oxygen Business Visa® Debit Card are 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.

1 Oxygen won the 2021 Best Overall Fintech App at the Fintech Breakthrough Awards.

2 Cashback percentage varies by element. Variable annual fee and account activity requirements may apply. Please refer to Cashback Terms & Conditions for more details.

3 Savings APY varies by Element. Variable annual fees, deposit and spend requirements may apply. No interest paid on balances over $20,000. Please refer to oxygen.us/apy for details.

4 Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

5 0.50% APY applies to Earth Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 0.50% to 0.08%. APYs current as of 2/10/22. Please refer to oxygen.us/apy for details.

61.00% APY applies to Water Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 1.00% to 0.17%. APYs current as of 2/10/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

72.00% APY applies to Air Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 2.00% to 0.33%. APYs current as of 2/10/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

83.00% APY applies to Fire Element and balances of $20,000 or less. For balances over $20,000, APY ranges from 3.00% to 0.50%. APYs current as of 2/10/22. Annual fee applies, fees may reduce earnings. No minimum balance to open the account, however, monthly spend and deposit requirements apply. Please refer to oxygen.us/apy for details.

9Based on the average Savings APY at Bankrate.com

10LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected.

11 For Business cashback rewards, please refer to Cashback Terms and Conditions for details.

12Out of Network and International fees may apply. Third party fees may apply.

131.00% APY applies to your business savings account and balances of $20,000 or less. APYs current as of 02/10/22. Please refer to Oxygen - Bancorp Business Savings Agreement for details.

All trademarks and brand names belong to their respective owners.

For full details on Retail and Travel benefits please refer to your Cardholder Guide to Benefits.

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