A bank account created around you
Cashback for shopping with your favorite brands. Easy access to ATMs wherever you are. More savings just for saving.
Open an account
*Oxygen is a financial technology company. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.
A personal account to boost your finances
Open in minutes, with no minimum balance required.
Spend more, earn more
Get up to 6% cashback¹ from the brands you love, like Lyft, Mcdonalds, Whole Foods, Walmart, and more when you shop with your Oxygen Visa® card.
Tiers for every budget
Not only does every personal account come with an Oxygen Visa Card, but you get to pick the Element tier that best fits your budget and spending style.
Spend worry-free
Keep your Oxygen card secure while keeping your family on budget with virtual cards. Set the spending limit, select how long the card can be used for, and even use virtual cards for recurring payments, like utility bills and subscriptions.
Easy access to cash
With over 40,000 Allpoint ATMs² across the U.S. at stores like Target, CVS, Walgreens, Safeway, and more, withdrawing cash is a breeze—and, always fee-free.
Send and receive money
The Earth, Water, Air, and Fire Element tiers offer the convenience of sending and receiving money with domestic wires, direct deposit, and Oxygen friends.
Up to 2.40% Annual Percentage Yield³
Boost your savings with 5x the national average APY⁴. Reach your money goals even quicker by rounding up every purchase you make with your Element card, and transfer the difference directly to your savings account.
Even more perks
Get cash perks and rewards⁵ with Oxygen
Track cashback from purchases, referral rewards, and reimbursements, all in one place.
Business account
Why juggle multiple financial institutions? Get personal and business accounts in one app.
Oxygen Friends (P2P)
Split expenses, send and receive money, and chat with friends who also have Oxygen accounts. You can even send a OGift on any occasion.
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