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BestMoney.com

Oxygen Review 2023

Full service personal and business banking on your device

Reviews 258
Oxygen
Oxygen
Average
Reviews 258
Visit Site
Patrick Sather
Feb. 09, 2023
2 min read
Patrick Sather
Oxygen Summary
Oxygen is a mobile-only virtual bank that provides personal and business banking solutions. It offers 4 loyalty tiers, with each successive level carrying additional benefits. APY on balances under $20,000 ranges from 0.25%–1.25%. Users can access 40,000 Allpoint ATMs surcharge-free and earn between 2–6% cashback on qualifying purchases. In addition, Oxygen’s app enables business account owners to form an LLC during the registration process.

Pros

  • Ability to create an LLC in the Oxygen app
  • Competitive interest rates and cashback rewards
  • Benefits when you pay bills with your card

Cons

  • Mobile-only
  • Higher tiers include fees and qualifying restrictions
  • No APY on business accounts

Oxygen Oxygen Visit Oxygen

Advantages Over Traditional Banks 

Founded in 2018, Oxygen is a neobank that has several advantages over traditional banks. Its 4 loyalty tiers offer flexible banking solutions, with the Earth tier carrying no annual fee, transaction fees, or minimum balance requirements. Users can create virtual cards for risky purchases and control card permissions from the mobile app. Even better, Oxygen’s mobile app allows you to access all of your account’s features anytime, anywhere, so you can manage your finances on the go. 

Cutting-Edge Banking Services 

What sets Oxygen apart from other banks is its loyalty tiers and cutting-edge protections. Personal banking options include Earth, Water, Wind, and Fire accounts. Earth’s PVC Card offers 2% cashback, 0.25% savings APY, and 3 virtual cards. Water’s Embedded Metal Card offers 4% cashback, 0.75% savings APY, and 15 virtual cards. Wind’s All Metal Card provides 5% cashback, 1.01% savings APY, and unlimited virtual cards. And, finally, Fire’s Mechanically Engraved All Metal Card rewards owners with 6% cashback, 1.25% savings APY, and unlimited virtual cards. 

Additionally, paying certain bills and travel expenses with your card grants you added protections at no extra cost. When you use your card to pay your monthly cellular phone bill, Oxygen covers your phone for damages or theft up to $500 per claim or $1,000 per 12-month period. If you use your card to rent a car, Oxygen covers most rentals for damages and theft up to the Actual Cash Value (ACV). Oxygen’s Cardholder Guide to Benefits gives a detailed overview of all other features. 

With Oxygen’s mobile app, users have total control over their spending. There is no limit to the number of transfers and wires you can make daily, and it's easy to send funds via PayPal, Venmo, Green Dot, or an external bank account. If you don’t want to call customer support, you can chat with an agent directly from the app during business hours. In addition, business account users can create an LLC through Oxygen’s app prior to completing an application.

Traditional Banking Services

While Oxygen is a mobile-only bank, it still delivers some familiar traditional banking services. Users can access over 40,000 Allpoint ATMs, surcharge-free, in all 50 states, including the District of Columbia. Although it does not offer IRAs or loans, Oxygen savings accounts provide competitive interest rates ranging from 0.25%–1.25%. Additionally, you can earn between 2% and 6% cashback on qualifying purchases and $1 when you buy groceries and coffee. 

Interest Rates and Fees 

Oxygen’s Earth and business account holders pay no monthly or transaction fees and require no minimum balance to open or maintain an account. Water, Wind, and Fire account owners pay an annual fee of $19.99, $49.99, and $199.99, respectively. However, Oxygen waives the annual fee if you meet both the minimum spending and deposit requirements for 12 consecutive months. Oxygen offers access to 40,000 ATMs in Allpoint’s network, surcharge-free, while out-of-network ATM withdrawals incur a $3 charge. Depending on the tier, interest rates on balances under $20,000 range from 0.25%–1.25% APY.

Account TypeAnnual feeBalance required to qualify for APY (and fee waiver)Spending required to qualify for APY (and fee waiver)APY on balances under $20,000
Earth$0$0None0.25%
Water$19.99$1,500$500/month0.75%
Wind$49.99$3,000$1000/month1.01%
Fire$199.99$6,000$2000/month1.25%
Business$0$0NoneNone

Customer Service and Online Experience

As a mobile-only bank, Oxygen’s services can only be accessed through the Oxygen mobile app. Should customers need help with their account, phone and live chat support is available from 10 am–10 pm ET, Monday–Friday. You may also contact customer service representatives via email at support@oxygen.us.

Oxygen’s friendly customer service staff can help you access your account, find more information about services and fees, and utilize app features. 

Mobile App  

To sign up for and access a personal or business account, you must download Oxygen’s free mobile app from the Apple or Google Play store. Through the app, you can make unlimited daily deposits and send or receive unlimited wire transfers. In addition to ACH and wire transfers, Oxygen’s mobile app supports check deposits, PayPal, Venmo, Green Dot, and external bank account connections. You can manage virtual cards, controls, and spending freezes through the app dashboard and locate nearby Allpoint ATMs with its ATM locator. The app is available for iOS and Android smartphones and tablets. 

Security 

All accounts carry FDIC insurance up to $250,000 through Oxygen’s banking services provider, The Bancorp Bank. The app offers biometric security features and is PCI DSS certified. Additionally, virtual cards enable you to avoid using your physical debit card for risky purchases. However, Oxygen does share some personal information with third parties for marketing purposes. Oxygen’s privacy policy provides full details about how it uses and shares your data. 

Summary

Oxygen provides secure and affordable mobile-only banking services for individuals and businesses. Users can earn between 2%–6% cashback on qualifying purchases and gain protection benefits when paying for certain bills using their debit card. APY for personal accounts ranges from 0.25–1.25%, and although business accounts do not earn interest, owners pay no annual or transaction fees. In addition to managing spending, transferring funds, and generating virtual cards, Oxygen allows users to create an LLC during the business account application process. 

Oxygen Oxygen Visit Oxygen

Methodology

This review was based on Oxygen’s website information, third-party reviews, and conversations with customer service representatives.  


Patrick Sather
Written by
Patrick Sather
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.
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Trustpilot reviews
See what some customers are saying about Oxygen
Oxygen
Average
Reviews 258
on
Excellent
31%
Great
3%
Average
3%
Poor
3%
Bad
60%
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hayden
3 days ago
I'm turning off the oxygen.
I'm turning off the oxygen.
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d.l.
a month ago
Ongoing dispute.... Still waiting
I been banking with oxygen for quite some time now, i am at the water element. & I placed a dispute back in August for a service unfulfilled in July. Customer service has dragged it out for 3 months as of today. A date they assured me and I have yet got back with me
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kandice jackson
2 months ago
They are thieves I provided pictures…
They are thieves I provided pictures showing proof that the items were stolen and the conversation with Walmart and they still wouldn't return my money I WILL NEVER USE THEM FOR ANYTHING PERTAINING TO MY MONEY AGAIN! And they will comment on my review and say if I need assistance to email or reach out they do not respond and they will steal your money with no remorse! I will be filing a claim with the better business bureau at this point! And do whatever next steps I have to take
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lori fawaz
2 months ago
Closed my account said they where…
Closed my account said they where sending it back to depositer but it’s still haven’t I smell a fraud
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kenya taylor
2 months ago
This bank is no help I been dealing…
This bank is no help I been dealing with a dispute for 7 months now cause they keep denying me when clearly I don’t live in Florida when I live in Georgia and they ain’t trying to help me get my money back all they doing is telling me lies and excuses cause I’m trying to see what they investigating team looking at when I know they don’t see me at them 3 stores when I was clearly at work when my money got took .They have poor customer service and they don’t care that your money got took at all ! I will always give them a bad review cause they are scammers !!!
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kandice jackson
3 months ago
They steal from you
Here we are at 45 days which is how long they told me it would take to receive my money and still no money I will be filing something with the better business bureau today! Because by previous posts it's clear they have no intention on returning my money when they have all the proof that it was never received. Their customer service and supervisors are rude and act like you owe them something when clearly they steal from people and expect them to get over it! I have sent emails all the way up to today informing them that the forty five days was up today and still no response!
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james conley
3 months ago
I want my funds that are being held.
I want my funds that are being held.
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kandice jackson
4 months ago
Have recently switched to a regular…
Have recently switched to a regular bank because they keep stealing my money and then they say to contact them I have called and sent several emails and can't get through! They suck as a whole and steal your money and never respond!
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coty fraker
4 months ago
Great banking app if you are looking…
Great banking app if you are looking for a basic account with minimal features.
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francisca deisrael
5 months ago
Theses people are liars
Theses people are liars. I was told on the 18 the investigation team was going to have my result. The 18th came and they lie and lie ..even told me the moment I hang up the phone I was going to get a email.. they refused to let me speak with their manager (she was embarrassed! Cause how you do comfortable lying to your customers?) NOW ITS THE 31st ..lol like what a joke! Am not even sure if I should be mad or laugh..I already contacted my lawyer because at this point they are playing cat and mouse games and am not interested. DONT TRUST THESE FOLKS WITH YOUR MONEY
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jordy vangundy
5 months ago
How easy it is to access your whole…
How easy it is to access your whole account.
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francisca deisrael
5 months ago
Oxygen bank is terrible whatever you do…
Oxygen bank is terrible whatever you do don’t bank with them..again!!! Whatever you do don’t freaking bank with theses unprofessional individuals. My card information ended up on Amazon, I filed a dispute right away because that was my rent money. But they said they did a investigation and couldn’t find any errors..so I decided to do my own investigation and ended up calling Amazon because I ain’t lying so I don’t have anything to be scared of..I want my money. So I got a supervisor from Oxygen Bank and Amazon on a three way call..she told Oxygen bank that someone name Coco with a different number and address was using my card..and now am getting evicted but they not answering my calls and keep hanging up on me or having me on hold. Am reporting them everywhere I can cause this isn’t right and am sue-in them. Bunch of scammers..like how it wasn’t no error find but Amazon telling you guys my card information on another account?! I don’t get it..I hate being played with and am not letting go because that’s my money. DONT BANK WITH THEM… YOU WILL REGRET THAT SH^T. Instead of them helping you they will get you madder
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francisca deisrael
5 months ago
Oxygen bank is terrible whatever you do…
Oxygen bank is terrible whatever you do don’t bank with them..again!!! Whatever you do don’t freaking bank with theses unprofessional individuals. My card information ended up on Amazon, I filed a dispute right away because that was my rent money. But they said they did a investigation and couldn’t find any errors..so I decided to do my own investigation and ended up calling Amazon because I ain’t lying so I don’t have anything to be scared of..I want my money. So I got a supervisor from Oxygen Bank and Amazon on a three way call..she told Oxygen bank that someone name Coco with a different number and address was using my card..and now am getting evicted but they not answering my calls and keep hanging up on me or having me on hold. Am reporting them everywhere I can cause this isn’t right and am sue-in them. Bunch of scammers..like how it wasn’t no error find but Amazon telling you guys my card information on another account?! I don’t get it..I hate being played with and am not letting go because that’s my money. DONT BANK WITH THEM… YOU WILL REGRET THAT SH^T. Instead of them helping you they will get you madder
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alanna ireland
5 months ago
The customer service is the worst I've…
The customer service is the worst I've ever dealt with in my life. They speak very poor english and now over $23k is stuck in this account because I was lied to about international wires.
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nikole burns
18 days ago
They hold your money for 30 days on hotel deposits!
They do a 30 day hold on hotel deposits? I literally live in a hotel and when I got a room on the 4th of July to be closer to the fireworks, I used this card for the hotel deposit thinking nothing of it. Well on the 7th business day when I was expecting to see my money hit my account - I called and asked why it hadn't. They told me they do the 30 day hold and it is required by Visa but I called Visa as well because I only have visa debit cards and I have never had a hotel or bank for that matter hold my money so long. They are scam artists and I can't wait for that money to be returned because I am going to close my account with this company and now wish I had read the reviews before ever going this route to begin with.
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tanya
5 months ago
You denied my claim which is total…
You denied my claim which is total bull. I have been with yall for over 2 years
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kathleen montgomery
5 months ago
Oxygen Bank
Associate was quick to assist and fix the issue I was having! The only thing is the wait time for disputes is to long . Thank you
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christian
4 months ago
Filed dispute for charges made after…
Filed dispute for charges made after wallet and phone was stolen, oxygen denied the claim and hasn't provided me with the documents they said they would provide from their investigation. Update: they sent me an email after seeing review and posted to check my email and the so called documentation of why they denied my dispute was one paper stating that it seemed to match activity from my account, well duh they used my stolen phone and my hacked Walmart account dummy!!
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sheng yang
5 months ago
always fix my problem quickly and…
always fix my problem quickly and xustomer support is awesome and very polite
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danette stewart-garner
5 months ago
Fast and friendly and considerate
Fast and friendly and considerate
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mitchell
5 months ago
Oxygen has been a wonderful experience
Oxygen has been a wonderful experience. There customer service is A+++.
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nicholas
5 months ago
Oxygen is by far the best mobile…
Oxygen is by far the best mobile banking app offering cash back and low to no fees. I'd recommend it to anyone.
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stephen
5 months ago
It'll take your card off of the app and…
It'll take your card off of the app and act like you don't have 1 so you can't use your money
F
funkynuggets
5 months ago
Amazing in all aspects
Amazing in all aspects. Thank you 😊
L
leon
5 months ago
Most paperwork reduction
Most paperwork reduction
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leo
5 months ago
Oxygen is awesome
Oxygen is awesome
K
kenya taylor
5 months ago
Fraud
This company refuse to help me get my money back that was stole from
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tionndra mcgee
5 months ago
Could be better .
Could be better .
E
erica thomas
6 months ago
They don't protect your money
This company doesn't protect your constantly log out my account or account is easily hacked.
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fallon christine adkison
6 months ago
Takes your needs seriously!
Great app for ur mo ey needs no overdraft fees and keeps u up to date to save money
E
erica mcrell
6 months ago
Going on six months and still no…
Going on six months and still no resolution to my issue is. To include why it took me seven months to get me a debit card, and why no one can give me actual updates on my disputes that are filed as well as contact information that I am privy to do to consumer rights when my issues are not handling lowest levels I haven’t got that information yet, I am and also requested information for your guises legal department and have yet to receive that we’re going on six months.
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evelyn moore
6 months ago
They always saying I don’t have a…
They always saying I don’t have a account when I do and it takes them Forever to do Disputes
S
suzanne lien
6 months ago
Worst company ever
I am in the process of working with the better business bureau. Oxygen allowed my account to get hacked and the person who did it is now in jail. I have police reports and everything. They refuse to give me back my money. 1297.00 dollars was stolen from me. I dealt with them on a daily basis for months. Gave them all the proof they needed to show them I did not commit these fraudulent transactions. And the perpetrator is in prison for the crimes he committed against me. Still they refuse to give up my money.i really hope the BBB can get it back to me. RUN don't walk away from this bad bad bad company.
G
ganittha jitphayak
6 months ago
Thank you for trying to make everything…
Thank you for trying to make everything easier for me
K
katherine westmoreland
6 months ago
The answer is always the same
The answer is always the same
c
carl fountain
6 months ago
Great experience
Great experience
J
javonte hollis
6 months ago
Didn’t help me
Didn’t help me
S
shaquona white
6 months ago
The representative did not give me any…
The representative did not give me any information in regards to my issue.
A
angelique hamilton
6 months ago
My issue is still unresolved
My issue is still unresolved, but the responsiveness is quick.
R
rictek
6 months ago
Rictek
I have a deposit sitting in my mma account, has been there for over a week n won't release it. Everytime I call, it's pending.....if u won't approve the dam deposit then release it back to the sender. So I can make other arrangements. I put the money in the account to start making interest. Of course as long as it's sitting in limbo it's not making a dime. So thank you very ill be sure to refer all of my friends, family, n Co workers. NOT.
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susan agnello
6 months ago
scammer.
scammer.. they stole my money
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kayla robertson
6 months ago
I've been with oxygen for a little bit…
I've been with oxygen for a little bit now an never really had any problem with them
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caitlyn brish
6 months ago
They are inconsiderate
I've had someone steal my wallet my phone and I had to dispute charges now the funny thing is it's been 3 weeks and still have not received my money back from disputed charges and I have no money to eat these people don't care about you as a customer I'm severely upset 😭 thanks for nothing Caitlyn
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thomas spann
6 months ago
Very upset with oxygen
Oxygen allowed a theif in Dubai to hack into their system and steal 2k from me
P
phyllis gayle robinson
6 months ago
They are always on point an understand…
They are always on point an understand the importance of the issues that I'm having. Easy to understand an very very helpful
H
heather thomas
6 months ago
Always prompt to answer back
Always prompt to answer back. I feel safe with the extra steps they take to verify that who I say I am go the extra mile to help a customer example I had charges on my account that weren't mine and I went to shut the car down and the middle of the next day I'll send my card wasn't working and when I called they turned it back on from one more time so I could use it and have been on it ever since. Excellent banking employees.
M
mike
6 months ago
Worst mobile banking ever my money was…
Worst mobile banking ever my money was stolen an they say they ain’t see no error when I’m in whole different state from where my card information was use smh I don’t recommend
A
ashley
6 months ago
Oxygen is garbage and steal their…
Oxygen is garbage and steal their customers money and finds no problem with it
M
marissa pontecorvo
6 months ago
Great Idea .,.. Bad taste
First of all I am not a fan of a bank that I cannot even chat 24 hours. Last night when updating my apps I attempted to change my email and wound up getting locked completely out of my account and not being able to contact the Oxygen team until 10amEST. This is my savings account and due to their "bots" even the live person was not live. After a few password resets and APP deletion I was able to access my funds. I do not advise getting wrapped up with this. I'm on my 3rd level, AIR... And almost lost all of my savings and the "person" I was chatting with had no idea what she was doing as far as my issue. After 30 minutes and my own knowledge of actually helping her, I was able to access my account. Not good.
h
hari goro
6 months ago
After banking with you guys for 2 or 3…
After banking with you guys for 2 or 3 years with no issues. Until you guys allowed another oxygen member James Taylor. Go into my account transfer my money from savings into checkings and send it to himself as peer-to-peer and you guys come back with a final decision for dispute, basically saying you guys didn't find any issue with someone going into my account and taking my money. I honestly felt violated. It's unfortunate I'm going close my account, because I don't feel like my money is safe thinking with you guys anymore. And I really liked banking with you guys and had referred few people.
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alex
6 months ago
Worthless frauds don't let these liars rob you too
too stupid to read or do your own jobs. Just another fake "bank" full of fraud and false advertising I get to sue. Don't care if you want to cry about me stating your illegal actions out loud won't change facts. And their response is as full of worthless lies as they are. If emailing worked they wouldn't have fraudulently stolen my money, sent me proof via email then spent months lying about it like they don't understand what a receipt is.
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fawn ton
6 months ago
I requested refund for an order I never…
I requested refund for an order I never received, it’s been over 2 months and I still haven’t received refund for dispute
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carolyn barker
6 months ago
Unhappy customer
Well for one things be a bank and refund money back I bought something I was scammed if you are a normal Bank like Wells Fargo or chase I would have gotten my refund back I was told I was not going to get my refund back I'm not happy with your service at all
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tiffany moses
6 months ago
I disputed charges that someone stole…
I disputed charges that someone stole from me and I hae to wait 90 days, that's not right. I'm debating on contacting an attorney.
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david collins
6 months ago
Did use the evidence I provided that…
Did use the evidence I provided that would clearly show that I was not able to make these transactions. It would have to clearly be someone else.
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emmanuel belamy
6 months ago
This is very Unprofessional and…
This is very Unprofessional and exhausting! My account was hacked and $1,603.38 was withdrawn on 5/29/2023. Still have not received my provisional credit and as of today 6/09/2023 I will be evicted from my home if I don’t pay my late rent and a $200 late fee. My rent was due on June 1st 2023 and I spoken with several disputes representatives and supervisors and I still have not received the provisional credit that is needed to pay my rent. As a banking customer I’m very upset 😠 and irate because the lack of understanding that this is an emergency that I received from Oxygen, it’s supervising and investigating team. Please provide the provisional credit today 6/09/2023 to prevent the eviction process from my home.
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raymond tavarez
6 months ago
Trash bank
These dumb pieces of dog crap closed my freakin account for no freakin reason. Dont bank with them
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mandy crawford
6 months ago
I've been with Oxygen for about 3…
I've been with Oxygen for about 3 year's and I love them. They have been nothing but good to me from day one!
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april melton
6 months ago
Never have a problem with my account
Never have a problem with my account
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louvenia
6 months ago
Very helpful
Very helpful
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roberto
6 months ago
Oxygen is a vital tool for one’s…
Oxygen is a vital tool for one’s existence
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donald
6 months ago
Closed account by oxygen
Oxygen closed my account out of no where...no explanation or reason why just dropped me after more than 3 years foing buisiness with them..can i start a new account?
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jaylan
6 months ago
The guide and instructions to help me.
The guide and instructions to help me.
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eric
6 months ago
Only quote company policy slmost like a copy and paste.
Still havent resolved my issue.
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eryn
6 months ago
You have violated the Visa Zero…
You have violated the Visa Zero Liability policy. You should have replaced the disputed transaction.
U
ustin
6 months ago
It’s was helpful if the person to let…
It’s was helpful if the person to let me know about 10 days for the credit
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joey hamrick
6 months ago
Superior workmanship and awesome…
Superior workmanship and awesome communication. Highly recommend to anyone.
B
brandi cox
6 months ago
Horrible I hate you
Horrible I hate you
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shamia
6 months ago
I love this bank
They have great customer service and I haven’t had a problem with them at all since I been banking with them
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martha romero
7 months ago
Dispute gone wrong they did Take care Are of me
I have been with this bank for maybe a year now or more and just because they didn’t investigate my account correct the told me I was in Error money hit taken out of my bank for a merchant I have nothing g to do with them and oxygen didn’t return my funds so if I didn’t do it and there saying I am In Error there treating me like I am not even a customer so who took my identy if it was not online or the customer it has to me oxygen that took my money terrible service
K
kristopher
7 months ago
Quick response and help with my issue..
Quick response and help with my issue..
A
alyssa
7 months ago
I never have issues with oxygen
I never have issues with oxygen. They make everything simple and easy to use. I love it
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meggan
7 months ago
Closure of account
You closed my account with no good reason behind your decision and it took 3 months for me to get back my money!!!
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michael
7 months ago
I have not received the funds from an…
I have not received the funds from an account you all closed abruptly without reason, and completely unhelpful about it. Nor have you all even taken time to contact me about my account. I personally have waited almost an entire year and still have all the reciepts.
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nothx
7 months ago
Good at crashing
Latest app version, latest iOS, reinstalled the app, all it does is crash on launch!!!
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darlene
7 months ago
U not let me get in log in anymore make…
U not let me get in log in anymore make me happy so I put low star not my fault block me not let me get me on sorry
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jenny rickett
8 months ago
Awesome bank
Awesome bank
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hao
8 months ago
Good
Good service
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shannon austin
8 months ago
Customer service representative was…
Customer service representative was knowledgeable and helpful!!!!!
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corey
8 months ago
Oxygen is great
I’m not very knowledgeable about banks or banking but oxygen is my favorite online bank. I set up direct deposit in no time and it’s easy to use and I use the perks for cash back. I think oxygen is great
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katherine sanders
8 months ago
I really enjoy the easy way it…
I really enjoy the easy way it navigates. There are many features too. I've only had good experiences with it. I've been using it for years now .
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teresa
8 months ago
I have not finish applications
I need to hear how is my application taking so long to review
K
ken
8 months ago
Greatest mobile bank to use for sure.
Greatest mobile bank to use for sure.
K
kimberly conley
8 months ago
Another happy customer
Anytime I've had to call about my account or just simply questions, everyone I've spoke to were amazing customer service employees. They really knew Oxygen and the services it has to offer their clients! They spoke very good and clear English! That's my number #1 complaint with a lot of companies'!! When you have to speak to customer service that is not clear with their English language, it just makes the situation so much harder on the client and sometimes when it happens to me I have to hang up and try to find someone that can answer my questions and that I could understand what they are saying!! I honestly have always been very concerned dealing with app banks, in fact Oxygen has been the only online/app banking service I tried and I'm so happy that I picked Oxygen as my banking needs!!
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shakir
8 months ago
Great Bank
Great Bank. Pays early and instantly on every deposit. Good perks and benefits especially the cash back. Customer service worked have a huge language barrier which sometimes stops you from getting quality solutions
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courtney hammonds
8 months ago
I really like Oxygen bank
I really like Oxygen bank, the app is wonderful, I like my debit card, it's thick and metal like. The customer service Is quick and very nice and professional. Great job
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genesis vallecillo
8 months ago
It could be 5 stars, checks should be deposited via APP for NYC residents
Please allow NEW YORK CITY checks to be scanned into our accounts. I would give 5 stars otherwise!
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azure b.
8 months ago
I love Oxygen as an alternative to…
I love Oxygen as an alternative to normal banks. I get my money super fast. Usually 2 to 3 days sooner than expected. Cashback is great at recouping some of the money I spend on every day things. Love the card too. It has some weight to it and you will get asked about it when you use it.
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christopher
8 months ago
Really great card
Really great card. This is my favorite card. It has so many features.
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steve watson
8 months ago
Well most things are awesome but…
Well most things are awesome but unfortunately not all can be, what I mean by this is this. I have referred 6 friends 2 of which have met the requirements needed to earn me my referral bonus yet the $100 a piece allude me. Also I earned enough points for 3 swell bottles during your summer of swag promotion and only was given $25 as if I had only earned enough for one, I emailed support but like most times never heard anything back. I was really hoping that a new CEO meant some changes were on the horizon but it seems it's the same old same old. I'm not going to make some idle threat to leave and use someone else although I did change my payroll direct deposit but that was just for credit repairing reasons.
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eddress smith
8 months ago
Wonderful banking
Wonderful banking
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dylan
8 months ago
Unfortunately you guys don’t care about…
Unfortunately you guys don’t care about your customers.
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adrian harris
8 months ago
great cust svc
The agent was very friendly and super willing to help resolve my issue. Thanks
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christy
8 months ago
Everytime I've had to file a dispute…
Everytime I've had to file a dispute with oxygen I've always been denied even with me being honest I still get denied my money back oxygen bank hadn't even gave me provisional credit they literally make me wait, this bank has denied me a couple thousand dollars of my money back and the sad part is I'm fighting identity theft and I've reported this to them and they told me that my card information was compromised but still denied my Disputes any excuse from oxygen bank because that's all it is and for them to tell me in there response below to file a rebutted well guess what I have and not even 2 hours later they tell me the same thing and close the case.
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gerald
8 months ago
Awesome
Love the app and my whole experience with Oxegen
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brittany
8 months ago
Awesome features like cash back!
Oxygen’s customer operations really care about their customers. There are great features like cash back, and the card and packaging itself is really awesome. I am excited for what is to come with this company!
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amanda
8 months ago
Oxygen is great no fees and pretty…
Oxygen is great no fees and pretty cards I love them
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dwayne
8 months ago
The business banking needs to be…
The business banking needs to be improved without limits.. overall great product … graphics ( looks) please add some color looks bland and basic
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kei-von andrews
8 months ago
Quick and easy.
Quick and easy.
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james babb
8 months ago
Honestly best bank hands down
Honestly best bank hands down! I am the bank manager, security guard, bank teller, and not only do I feel like the CEO but Im also a customer! You guys are AWESOME