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, N.A., 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