Oxygen is a digital banking platform tailored to meet the unique needs of freelancers, digital natives, and small businesses – providing worry-free banking solutions to the nearly 60 million people who make up the ever-expanding segment. Through the Oxygen app, users can manage everyday expenses on their Oxygen Visa Debit Card, helping provide freedom, flexibility and predictability.
Oxygen (oxygen.us) has 273 customer reviews on Five Star Index, with an average rating of 2.5 out of 5.
Also known as
oxygen.us
Website
oxygen.us
Category
Investments & Wealth
Location
San Francisco, California
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 74% of reviews.
Latest
Most recent review: September 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
This company cannot pay to remove reviews or change its score.
They have a problem with the website.
I have been on the phone 4 days getting a promise of a email.
They get my user name mixed up.
Response from OxygenSep 14, 2021
@Curtis Scrutchin - We are sorry to hear about your experience with the app. We would like to make this right. Can you please contact us at [email protected] and we will have a senior associate help you. Please include in that email - your full name and Oxygen app email address.
CD
Cynthia D.
Give me my money
This bank is not very together the keep doing things wrong playing with my money don't know how to work there own site so I have to pay I'm not happy I want my money's I lost my dad and this money was part of my inheritance,I share equal with brothers they keep opening the wound saying I caused fraud I done. Nothing wrong CYNTHIA DESCOTEAUX
AA
Aaron
I am very disappointed in Oxygen
I am very disappointed in Oxygen. They was my best bank to work with and now since a couple of so called updates they have completely made it impossible to access it other than by phone. After spending roughly an hour on the phone with someone I could barely understand and resetting my password still made no difference. Therefore I will use the $2+ I have left in there and close my account. Beware friends people are out to take what you got. Vemeo was the first to start cheating people. They took a little over $20 and never have returned it on the assumption that I had the wrong email which I did not
Response from OxygenSep 14, 2021
@Aaron - We are sorry to hear about your experience with logging into the app. We would like to make this right. Can you please contact us at [email protected] and we will have a senior associate help you. Please include in that email - your full name and Oxygen app email address.
CQ
Coy Q.
I have a Oxygen bank account for 4…
I have a Oxygen bank account for 4 months and money was keep leaving my account. now i cant login to my account and they not helping me get my account back and get my money
Response from OxygenSep 14, 2021
@Coy Quinn - Apologies about the experience with your account. Can you please contact us at [email protected] and we will have a senior associate help you. Please include in that email - your full name and Oxygen app email address.
JO
Joseph
GARBAGE!
GARBAGE!! CANCEL NOW!
Had a personal account for months, at most. One Thursday morning, 2:04 AM, they send me an email (which i didn't see until around 3PM friday) that they cancelled and CLOSED all my accounts, sent my direct deposit back to where it was from and that the matter is closed for discussion. for an apparent violation of the TOS and "deposit agreement" this is what the email said:
"Due to recent activity on the account that was flagged by our security monitoring processes, unfortunately, we have identified your account for closure. These activities do not align with the Deposit Agreement you signed at account opening.
A few reminders when the account is closed:
The account will remain inaccessible.
Any recent deposit(s) from unemployment, IRS, SBA or other government sources will be returned back to the sender. If funds in the account are not sufficient to cover the return, we will work with you to fund this as well to cover the gap.
If there is more than one Oxygen associated account, we may take funds from another associated account.
Additionally, this conversation is now closed....."
THERE WAS NO ACTIVITY. I GET PAID, WEEKLY FROM THE SAME EMPLOYER! worst thing is i had to spend an absurd amount of time JUST TO GET THEM TO SEND MY GD MONEY BACK TO ME!! they closed my account and weren't even going to bother sending me my $ back, or letting me know ANYTHING.
so now i have 0$ until they mail me my $ 7-10 business days, which really means 2 weeks. not to mention the time it will take for my direct deposit to make its way BACK to my employer and then ask them to cut me a check. absolute garbage of a bank, g.a.r.b.a.g.e.
spoke to customer service many times. useless with a capital U. nice people, sure. but its always "the back office" fault.
RUN CANCEL its NOT WORTH the SMALL AMOUNT OF CASH BACK for the debit card purchases, thats what drew me in...cancel cancel cancel cancel!!
KM
Km
Stay away!
They close people’s accounts for no reason. Their customer service is slow, you are lucky you get even one response.
OC
olsi C.
Do NOT open an account and if you did
Do NOT open an account and if you did, CLOSE IT IMMEDIATELY! I traveled to Albania, before I traveled I asked them if I could use it, they said "you can use it anywhere Visa is accepted". I come to Albania, I can't use my card, can't access my funds. I call them, they tell me "U.S. Treasury law does not allow transactions in Albania". My Chase card worked, FROM THE U.S, but Chase doesn't follow laws, only Oxygen does. I am closing my account as soon as I transfer my funds.
FF
Fish F.
Money Got locked inside my Oxygen on 05/27/2021
Oxygen account is not advisable to receive money with, I got my loan from Fast lane at Womply on 05/27/2021, and make a purchase of crypto with my VISA card from my same name Crypto.com account, after that my account was limited and now my account was currently locked with my money and crypto purchase also returned my money to the Oxygen and all got locked. Oxygen is not advisable for using, they always got peoples money locked on, till they resolved all this locked issue people are facing