Get more out ofyour banking*
Meet the mobile banking* platform created for go-getters who need a bank account that has on-the-go money management.
Open your personal account*Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, N.A., Member FDIC.
More than just a bank account
We’re here to support first-time entrepreneurs. Go ahead. Take the leap.
Benefits tailored to your needs
Get up to 6% cashback¹
The Oxygen debit card makes spending on the go a breeze — and earning money even easier. Choose the Elements tier and get cashback.
Benefits tailored to your needs
Spend worry-free with virtual cards²
Shop online and pay merchants securely with one-time use or merchant-specific virtual cards. You choose how to use it, you pick the spending limit.
Benefits tailored to your needs
Oxygen Friends: P2P
Use our P2P feature to send and receive money, split expenses and chat with friends — all in the same place. You can even send a gift cards for any occasion.
Oxygen Elements tiers
Choose the Elements tier that supports your goals
$0
Annual Fee
earth
$49
Annual Fee
water
$99
Annual Fee
Most popular
air
$299
Annual Fee
fire
Heavyweight silver- foiled PVC
12G Titanium Metal Core
16G Premium Stainless Steel
16G Mechanically Engraved Elite Grade Steel
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
2% Cashback¹
2.10% Annual Percentage Yield⁵
Up to 3 virtual cards²
Up to 3 savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
3% Cashback¹
2.20% Annual Percentage Yield⁶
Up to 15 virtual cards²
Up to 10 savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
4% Cashback¹
2.30% Annual Percentage Yield⁷
Unlimited virtual cards²
Unlimited savings goals
2-Day Early Deposit³
40k No-Fee Allpoint® ATMs⁴
6% Cashback¹
2.40% Annual Percentage Yield⁸
Unlimited virtual cards²
Unlimited savings goals
The smarter way to manage your money
Trusted personal banking
With an Oxygen personal account, you can manage all your money in one place.
Savings goals to stay on budget
Earn up to 2.40% Annual Percentage Yield (APY)⁸ and accelerate your savings with roundups.
"Can't go wrong with Oxygen. The best deposit account I've ever had… has the best banking app I've ever used…"
"I do love many of the features of the account and love using it as it is very organized."
"Oxygen makes it easy to send P2P payments, split a bill with friends, keep track of budgets…even monitor my other banks … all in the same app."
8,500+
Trusted businesses
4.8
App rating among 50,000+ users
750,000+
Accounts opened
40,000
Fee-free Allpoint ATMs⁴
Be a part of our
extraordinary community
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