Refer a Friend Bonus

How do I invite friends to join Oxygen

To send an invite, go to the “More” tab and select “Referral”. From there, you can send your unique referral link.

Please note that i​f you're signing up on a mobile device, you'll need to download the App via the referral link. If the app is already downloaded before clicking the referral link, delete the App from your phone and download it again via the referral link before signing up.

How much will I receive for my referral bonus?

To start earning, you must open a new Oxygen Deposit Account using a current customer’s referral link. Depending on the referrer's Element ($10.00 for Water, Air and Fire), you’ll each receive the initial $10.00 bonus after the referee opens a new account.

You’ll both receive an additional $100.00 bonus when the referee receives a qualified payroll direct deposit of $500.00 or more and the account has at least five debit purchase transactions using the Oxygen Visa® Debit Card (including Virtual Card purchases) that have been posted and settled to the account. For more information about qualifying direct deposits, please visit our Refer a Friend Terms & Conditions

How many referrals can I send?

You can earn up to $1,000.00 in Oxygen referral rewards per 6-month period.

When do I receive my referral bonus or What if I haven't received it?

While most referral credits only take a few minutes to deposit into your account after signing up, the initial $10.00 reward can take up to ten business days after the referee’s account is opened for each party.

The $100.00 qualified referral will be paid within ten business days to each party after all qualifying activities for the bonus have been completed by the referee within sixty calendar days of opening the account.

If you haven't received your referral bonus after meeting all qualifications and timeframes, please contact Customer Support at 866-287-7021 or


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