Oxygen - Mobile Banking

Oxygen is awarded best All Digital Bank in the U.S.

Oxygen Bank Account and Cash Reserve Credit
Access : Empowering freelancers with fair credit, without any hassle
Cost : Flat-fee access to credit, no interest paid on balance
Time : Instantly available in your Oxygen deposit account and debit card
Financial Insights : State of the art financial models and recommendation engine for freelancers


Banking with Oxygen gets you access to Credit when you need to, a free Visa® Debit Card, a Checking Account, and AI-powered financial recommendations to help you manage money. Signing up is free and takes less than 1 minute.

Awarded Best Digital Bank for Freelancers!

Here is why our customers love us:
• No unnecessary fees (no service fees, no foreign transaction fees)
• Over 30,000 fee-free Moneypass ATMs
• No minimum balance requirements
• No overdraft
• Real-time transaction notifications
• Block your card instantly in-app
• Move money between your other bank accounts
• Visa EMV chip card security
• Super friendly and responsive US customer support

Opening an Oxygen bank account won’t impact your credit score.

Banking Services provided by Evolve Bank and Trust, Member FDIC. The Oxygen Visa® Debit Card is issued by Evolve Bank and Trust pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.