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OXYGEN: Mobile Banking

OXYGEN: Mobile Banking

21st Century Finance

26K ratings
53 reviews
💰 Finance

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • December 20, 2019
  • March 7, 2024

Features

Developer

ReliefClub, Inc.
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OXYGEN: Mobile Banking screenshot #1 for iPhone
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OXYGEN: Mobile Banking screenshot #10 for iPhone
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Reviews summary↘︎
⭐53
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
Updates frequency↘︎
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About

Manage personal and business finances in one app. Open accounts, earn cashback rewards, and grow savings with high APYs. Securely shop online with virtual cards and access retail and travel benefits.

✓Open bank accounts
✓Incorporate businesses
✓Earn cashback rewards
✓Virtual card creation
✓Grow savings with high APY
✓Retail and travel benefits
✓Send money and split expenses
Show original description

What users say

Summarized from real user reviews of OXYGEN. Based on 26K reviews and a 4.8/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Smooth and fast app experience
  • 💰Generous cash back offers
  • 🔒Secure banking features
  • 🎨Unique and visually appealing app design
  • 🤝Helpful and responsive customer service

Negative things

  • 🐛Frequent app crashes and bugs
  • ⏱️Slow money transfers and processing times
  • 💳Lack of Apple Pay/Google Pay support
  • 🔄Inconvenient manual cash back activation
  • 💰Reduced benefits over time
See all reviews

What's New in OXYGEN

4.3.0

March 7, 2024

- Changes to on-boarding policies

User reviews

Most RecentHighest RatedLowest Rated

If you’re running a business you’ll regret using this app.

I should have known opening a business account with an app only banking service that there would be issues. My first couple months using the app wasn’t so bad. Then came the time where I needed to cash a physical check… Oxygen uses a third party service to cash checks called ingo. When I first tried using this feature the camera would not properly launch within the app. I tried everything and nothing could work. I called Oxygen customer service and their response was that this falls on ingo… who said that this falls on Oxygen because it’s their app. I don’t really care whose fault it is but you can’t run a business (big or small) through a bank that has NO WAY for you to cash physical checks. This is only my most recent issue. Another time the app crashed for 24 hours and I couldn’t run patrol because I didn’t know if certain funds had hit my account. Anyways, I’ll be moving on from Oxygen and I won’t be looking back. If you’re desperate Oxygen is an okay last minute bank to hold you off until you can go get a real bank account somewhere more legitimate.
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ThisGuyThatEatsThisGuyThatEats

Response from developer

@ThisGuyThatEats - We are so sorry to hear about the issue you are having and would like to look into this further. Unfortunately, we can’t pull up your information through the app store. Please contact us at support@oxygen.us and we will have a senior associate help you. Please include in that email - your full name, email address and app store alias.

Not what it used to be.

When I first opened an account 3ish years ago it was great. Crazy good cash back, atm fee refunds etc. But slowly over time they’ve reduced benefits more and more. Out of network atm fees are $3 on top of the fee of the atm you’re using, meaning $6+ dollars. I could be mistaken but I don’t remember this being the case when I first opened the account. I was hoping they would give me a onetime refund of $3 after being a customer for 3-4 years but they declined, fair enough it was my fault for not knowing but most “online” banks have atm refund allowances even if it’s once a month considering they don’t actually have any brick and mortar banks. That being said, their network is very large, it’s just the issue of bait and switch. It used come with unreal benefits, so I’m not surprised they had to change, but I can’t help but feel that was their plan. Draw people in, then slowly become like every other bank. They do still have $1 back on any fast food purchases over $3 which is awesome at 33% cash back (for small purchases) Regardless they still stack up to other average banks and then some, additionally I love the virtual card features. But I can’t recommended them endlessly to friends like I used to because I’m not sure what else will eventually change.
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resyektresyekt

Response from developer

Hello, glad that you are loving our virtual card features. Sorry to hear about your experience Oxygen has always partnered with Allpoint ATMs where you can withdraw cash without incurring fees at any Allpoint ATM location. Locate an ATM near you by going to More\Free ATMs nearby in the Oxygen app. Additionally, Allpoint ATMs are located in the most popular retail stores such as Target, Speedway, CVS, Kroger, Walgreens, Safeway, Circle K, and many more! In fact, Allpoint has over 55,000 participating ATMs which makes it safe, easy, and convenient to withdraw funds. When you use your Oxygen Visa Debit Card at an ATM that is out-of-network, the provider charges you an additional fee. We are continuously working on adding more features to make your experience better. Please reach out to Customer Support for any questions or concerns at 866-287-7021 from 10am-6pm EST Monday through Sunday, except on holidays. You can also reach out to support@oxygen.us and our team will follow up. We are here to help you and we appreciate you.

Run.

I’ve had oxygen Bank for a while now. I started off loving it. The cash back was amazing,l and being able to get support within the app using the chat service was great. Fast forward to December 18th 2022 I misplace my debit card. I didn’t not receive a card until the end of February 2023. I have a personal and business account with Oxygen. Someone my business card in March of 2023 and I reported it instantly. Not only did the agent not order a new card, but they didn’t deactivate the stolen card. They then come back and tell me that there was no error with my card and they are defining my fraudulent transaction claim. Mind you the police report details who card, the name of the person and they also have the individual on camera committing fraud and yet they denied my claim. So not only did they let someone get away with stealing my money they refused to provide me with the evidence they claim to have showing them the transactions were valid. They refused to look into the claim with any type of determination. You call and wait on hold for hours just to get a voicemail stating no is available to take your call. When you do finally get someone they hang the phone calls up and didn’t call back.

Stay FAR AWAY.
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Koakoa94Koakoa94

Response from developer

Hello, we're sorry to hear about your experience. Our team would be glad to investigate what happened. Please reach out to Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. You can also reach out to support@oxygen.us and our team will follow up.

So far, not impressed.

I am writing this in hopes of getting a response from the developer. I am STILL waiting for my physical card. This is an issue that has been going on for almost a month now. The first time I sent off for it, I gave them the benefit of the doubt that it was lost in the mail. The second time however I called. And when I call, I keep getting to the point where it says I am the next person in line and then nothing. I have waited for an hour today and still no answer. I would try the text chat option, but it tells you on the app that you can do that but doesn’t give you a place to do that. So I figured I would try the avenue. I do like the app and was able to pay some of my bills using a temporary card. Which was convenient. But there are some things I have to do with a physical card. Please developers, respond to this. I will gladly retract everything I am saying here and give a glowing review. Because for the most part, the app is great. But I would really like my card please. Thank you.

This is an update: I still have not received my card and was hung up on by “customer service” today. I use sarcastic quotation marks because they are of little service. My advice? Bank elsewhere.
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SogltakerSogltaker

Response from developer

Sorry to hear about your experience, Sogltaker. We assure you that your feedback is taken very seriously. Customer Support faced an overwhelming more than usual volume recently which led to the long wait times on the queues. The debit card shipping incurred some delays in the past month. However, this issue should be resolved now and you should receive your card anytime now if you haven't received it already. We would love to look into any pending concerns or issues if you have them. Please email us at support@oxygen.us, and one of our tenured specialists will gladly assist.

Zero customer service

If you want to pay money for a premium account, and then receive zero customer service this is your bank. They not only did nothing about my fraud, and still refuse to. This was after waiting five hours on hold over three days and it said I was next in line to talk to somebody the whole time. They also had two people hang up on me. Then it took three months to get a new debit card and i was told to deal with it, and that they wouldn’t help me with the fraud because I didn’t report it in time. Even though I had reported it three months previous when my card was stolen. I lost 300 to fraud and paid 200 for their account. 500 wasted but they gave me 25$ because they never sent me a water bottle that was promised (a bottle that costs more than 25$). Horrible. Horrible. Horrible.
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jakobthepandajakobthepanda
See 48 more reviews

User experience

🐞

Reported Bugs

3 issues

Camera not launching properly for check deposits

Bug

Account access issues and login problems

Bug

Incorrect card activation and deactivation

Bug
✨

Requested Features

4 requests

Increase ATM withdrawal limit

Feature

Add savings account functionality

Feature

Improve check deposit process

Feature

Provide more transparency on policies and fees

Feature

FAQ

What does the Oxygen app do?

The Oxygen app allows you to manage your personal and business finances all in one place. You can open bank accounts, incorporate your business, track spending, earn cashback rewards on purchases, and grow your savings with competitive APYs.

What are the key features of Oxygen?

Key features include earning cashback at various merchants, setting up secure virtual cards with spending limits, growing savings with high APYs, accessing retail and travel benefits like cell phone insurance and luggage coverage, and managing business accounts with incorporation services.

How much does Oxygen cost?

Oxygen offers a free 'EARTH' tier with no monthly fees, requiring a $350 monthly spend threshold. Higher tiers like 'WATER', 'AIR', and 'FIRE' have annual fees ($49, $99, and $299 respectively) that unlock increased cashback, higher APYs, and additional benefits like PriorityPass™ membership.

Is Oxygen available on all devices?

The provided description does not specify compatibility with different operating systems or devices. However, as a mobile banking app, it is typically designed for smartphones and tablets.

Who is Oxygen best suited for?

Oxygen is ideal for individuals looking to manage their personal finances with rewards and savings benefits, as well as small business owners who need to incorporate their business and manage finances within the same app. The tiered structure allows users to choose a plan that best fits their spending and benefit needs.