Physical Card Issues

I never received my Oxygen Visa Debit Card, what should I do?

Please verify the estimated time of arrival (ETA) for your Oxygen card on your Oxygen app under "My Oxygen Card" to confirm if it is still within the expected delivery timeframe, in case you have not yet received it.

If the estimated time of arrival (ETA) for your card has lapsed and you still haven't received it, you can request a replacement through the app by navigating to More > My cards > Tapping the three dots in the top right corner > Report lost or damaged. Alternatively, you can contact our Customer Support team at 866-287-7021 or support@oxygen.us for further assistance.

My card was lost, stolen or damaged, how do I request a new one?

If you have reason to believe that your card may have been misplaced or damaged, you can easily request a replacement card via the app by accessing More > My cards > Tapping the three dots in the top right corner > Report lost, or Report damaged.

Upon placing a request, your card should arrive within 7-10 days through standard shipping.

Alternatively, if you wish to expedite the process, you can do so by navigating to More > My cards > Tapping the three dots in the top right corner > Tapping "Report lost" and selecting the Expedited card option. Please note that an expedited fee of $50 will be charged directly from your Oxygen account, and the expedited card will be delivered within 2-3 days.

Locking your card

Lost card? Don’t worry. Just tap My Cards and select Freeze Card. Your card will be unusable until you unfreeze it.

While your card is frozen, you can still make money transfers from within the app. For example, you can transfer money in or out to another bank account–you just can’t use your physical debit card for transactions. Your virtual cards will still remain active.

support@oxygen.us
866-287-7021,
580 California St, 12th Floor
San Francisco, CA 94104
support@oxygen.us
866-287-7021,
580 California St, 12th Floor
San Francisco, CA 94104

Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The Oxygen Visa® Debit Card and the Oxygen Business Visa® Debit Card are issued by The Bancorp Bank, N.A., 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-Bancorp Savings Agreement 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%. APY current as of 8/04/22. Please refer to Oxygen-Bancorp Savings Agreement 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%. APY current as of 8/04/22. 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-Bancorp Savings Agreement 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%. APY current as of 8/04/22. 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-Bancorp Savings Agreement 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%. APY current as of 8/04/22. 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-Bancorp Savings Agreement for details.

9Based on the average Savings APY at fdic.gov

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.

121.00% APY applies to your business savings account and balances of $20,000 or less. APY current as of 8/04/22. 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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