Spend securely online with virtual cards
Losing your card—or sight of employee spending—is a thing of the past. The future of online spending is here with digital debit cards.
Open your account
Experience virtual freedom
Virtual cards allow you the benefits of your debit card without comprimising its security. That means less fraud and more control.
Safer online shopping
Leave your debit card—and your personal information—safe in your wallet while you shop securely online.
Manage subscriptions
Manage subscription payments with ease by using virtual cards for automatic payments.
Safe travels
Create virtual cards for travel expenses, keeping your primary debit card info safe when you’re on the go.
Control your business expenses
Direct deposits streamline payroll operations, reducing administrative workload and costs associated with paper checks.
Set spending limits
Virtual cards let you manage how much employees or family spend with spending limits.
Instant cards
Get a virtual card in an instant through your account, making it quick and easy to cover any expense that comes your way.
How to create a virtual card
Step 1/4
Locate virtual cards in the app
You’ll find them right in your dashboard.
Create a virtual card
Choose the specific purpose for the card and set the spending limit.
Spend virtually
Use your virtual card for online shopping, subscriptions, or business expenses.
Monitor your spend
Keep track of your virtual card transactions in real-time in the app.
Even more personal perks
Up to 2.40% Annual Percentage Yield¹
Boost your savings with 5x² the national average APY.
Oxygen friends
Send and receive money, split expenses, and chat with friends.
Business account
Add an Oxygen business account to make managing all your money even easier.
*Oxygen is a financial technology company. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.
Be a part of our