# OXYGEN: Mobile Banking — user reviews > 53 indexed App Store user reviews of OXYGEN by ReliefClub, Inc., rated 4.80/5 from 26,245 ratings. - Source: https://appshunter.io/ios/app/oxygen-mobile-banking/id1486762009/reviews - App overview in markdown: https://appshunter.io/ios/app/oxygen-mobile-banking/id1486762009.md - Rating breakdown: 5★ 23,469 · 4★ 1,370 · 3★ 502 · 2★ 164 · 1★ 740 ## What do users think of OXYGEN? Overall sentiment: neutral **Pros** - 🚀 Smooth and fast app experience - 💰 Generous cash back offers - 🔒 Secure banking features - 🎨 Unique and visually appealing app design - 🤝 Helpful and responsive customer service **Cons** - 🐛 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 **Commonly reported bugs** - Camera not launching properly for check deposits - Account access issues and login problems - Incorrect card activation and deactivation **Most requested features** - Increase ATM withdrawal limit - Add savings account functionality - Improve check deposit process - Provide more transparency on policies and fees ## Newest reviews (12 of 53) ### 2/5 — Not what it used to be. *2023-05-24* 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. **Developer response:** 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. ### 4/5 — Positive experience… *2023-02-03, version 3.7.0* Since joining oxygen, I have had a positive experience. My card has come on time and I’ve been able to reach customer service. I do like the cash back offers. I wish there were more stores to earn cash back. A plus would be to not have to go into the app each time to activate the cash back. Also, a little annoying feature is if you close the app for a second you have to sign back in each time. It’s probably for security but it’s still annoying. My transfers and payments go out on time and I’m starting to build more and with oxygen. ### 4/5 — Meditation with relief *2023-01-27, version 3.7.0* I was one day surfing for a new banking app not to thrilled about the grueling process of signing up. And I must add that I’ve had some trouble with my funds being transferred without my authorization. Not sure why or how but with a satisfactory result they the oxygen dispute team saved my day from being a fault to being a success. I was Leary of this we’ll give you five , ten dollar sign on bonuses. Just for sign up which is rare considering todays opportunistic platform Gypsies no disrespect. Oxygen I have to add has given me a feel of sercurity and reassurance from their level of commitment for it patrons they even helped me with a whole nother platform. There a great bunch and I tip my hat and exhale with a smile from satisfying my home kids and wife . I can’t complain and I want but if you need a structure financial help take deep breath nd there you will find the essence of life…oxygen ### 3/5 — Banking fine, have to open app twice *2022-12-15, version 3.7.0* This is for the app itself. But notes about the banking experience: Thus far banking has been fine and the multiple card options is great for security. Cash back program is good. You just have to keep on top of it since each cash back offer is daily and only one at a time. Usually early $30-40 per month. Customer service hours are limited. When I dealt with customer service chat I had about a 20 minute wait and they corrected the issue in about ten minutes. Now to the app. I have to open the app at least twice to get my account to load. This is annoying. Every time I open the app and clear FaceID it just keeps “spinning” and never loads. I force close and reopen and it usually works. Occasionally, transactions are reflected in your balance but won’t be in the ledger for a few hours or more. And the app design is meant to be “cool” but I’m guessing I’m getting old as I don’t love the modern fonts. **Developer response:** Hello, sorry for the delay and for the trouble you are/were experiencing with our app. Sometimes, uninstalling and installing the App would do the trick. For further assistance, please email us at support@oxygen.us or call Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. Thanks for your feedback. We are continuously working on adding more features/products to make your experience better. ### 3/5 — Have had ZERO problems! *2022-11-10, version 3.6.0* I’ve had multiple online banking accounts and nothing compares to the standards upheld by Oxygen. It’s even better than Wells Fargo in some ways. I came here to leave a good review and was astonished to see so many people disappointed. I will say, I haven’t had a reason to contact customer service via phone yet. However, I did have a chat with them online and things were resolved rather quickly. I appreciate the upgrades to the newer cards and their capabilities along with the benefits of having them. The benefits are amazing. I also take full advantage of their savings account which allows me to set a goal that is super helpful. I do hope that they are able to acknowledge everyone’s concern. Customer service and consumer acknowledgment is equally as important to me as the benefits of banking with Oxygen. If the customer service is poor, the quality of the service provided might as well be also. Update: there’s been too many times I was unable to access my own money. And it’s usually because their system is down. If you have big money transactions, this card is probably not for you. It won’t allow you to pull out over $2500 and there’s nothing they can do to increase that. It no longer has the option to see free ATM’s, their customer support is not the worst but it isn’t the best either. If their system shuts down and you don’t have money stored anywhere else, GOOD LUCK. Hopefully you’re not stuck traveling. **Developer response:** Hello, we're sorry to hear about your experience. We are always working hard to improve and thanks for your feedback. Please refer to this help article to locate Allpoint ATMs. https://oxygen.us/help/kb002-does-oxygen-have-a-fee-free-atm-network/ ### 3/5 — Great Bank, Janky App *2022-06-03, version 2.9.7* I love my Oxygen Account & it’s benefits… when I can get the app open. Some days it’s fine. Others I have to open and close the app 5 times to get my account data to load! On a couple of occasions I’ve spent upwards of 25 minutes trying to get my data to load. I can open the app, I can sign in, but then it just sits thinking and never fully loads my balance and transaction history. I can’t do deposits or anything. It’s infuriating when I am standing in a line and need to check my balance or switch awards quickly. Its gotten to the point that I utilize other accounts instead of Oxygen so I don’t have to risk not being able to see the info I need. If the app was more stable & loaded properly I’d use the account more & Oxygen would get 5 stars from me. ### 2/5 — Started off good until they let them steal my $ *2022-02-27, version 2.9.1* The account was simple to open and had competitive cash back. The virtual cards were a great feature too. Then they changed to the Elements and lowered the cash back and limited virtual cards. Ok fine… I’ll deal with it to have a free account. Then while at home I get notifications of purchases being made. I immediately check my wallet thinking I lost my card. Nope. Still got it. I immediately call customer service notifying them that my card is being used without my permission, even though it’s still in my possession. They tell me they’ll cancel the card but there’s nothing they can do until the purchases settle. They told me to call back then to dispute it. I did everything they asked only to tell me that their investigation showed that the purchases were legit and I couldn’t get my money back. I asked for the documentation they gathered to prove their case and I’m still waiting. So lesson learned. Don’t keep more than a few dollars in this account. Because if someone somehow accesses it you won’t get your money back! ### 3/5 — Rug Pull *2022-02-15, version 2.9.0* This app had some of the most competitive cash back rates I’d seen in the past few years, but a major redesign changed it all to a subscription service. To get everything you used to, you now have to pay $100-$200 a year for a debit card that wants you to think it has as many benefits as a credit card. The app still has some solid features like disposable debit card numbers and an overview of all your (supported) account balances. They make some brave UI choices, but it’s still usable. I’m annoyed that they abuse the app badging system to show a missed notification every other day. The notification: “use our referral program!” Don’t spam your users. Overall it’s still alright, but I barely use it anymore because of that initial rug pull. ### 2/5 — Cannot link other bank accounts *2022-02-01, version 2.8.5* The button to link my other bank account does not work so I cannot add funds. I was going to have direct deposit come from there but I think I’ll hold off. Even after calling support, she didn’t understand what the issue was and told me to reinstall the app. Which didn’t work btw. However, that was the only troubleshooting available it seems like, no ability to reset the account or anything helpful. Then she said I would have to call the other Bank myself to see if they still have a partnership with Oxygen, as that could be a reason why I can’t connect…however that wasn’t even the issue, or at least I couldn’t get far enough into utilizing this app for me to even run into THAT issue. May have to go elsewhere; unfortunate… because I do think their debit card is visually pleasing. ### 1/5 — Worst bank ever do not use *2022-01-21, version 2.8.5* My boyfriend’s account got hacked into, which they caught and canceled his card. That was the only good thing about the situation. Now they have sent the new card to the wrong address more than once. He told them exactly what the address was and they even repeated it back correctly. Next they sent him a replacement card for the old account they closed when they finally sent it to the correct address. Now waiting yet again for the correct card that’s connected to the new bank account. Just ridiculous. Update: have been waiting for this card to supposedly come for months….MONTHS. Like this is the worst bank I’ve ever heard of. We are going to get a lawyer involved. He still has not received his card yet they said it was “sent out”. They just lie to you and keep your money hostage. ### 1/5 — Sketchy App! *2022-01-03, version 2.8.2* I couldn’t even finish creating a profile there’s so many bugs! Turned off and on my phone deleted the app reinstalled it still nothing! It’s at the part of submitting my personal important private info and soon as I finish typing it says “session expired” doesn’t let me submit and kicks me out like that’s not super shady! Then thinking it might just be my phone I went to reviews to see if anyone else is having the same issues just to see there’s waaaay too many people having more sever issues and experiencing all the last things you want to deal with when it comes to your money. The other thing I’ve learned from the reviews and the support team is as useless as the app…..not that I’ll ever get to talk to them because their bug infested pathetic excuse for a banking app won’t even let me get past the initial step. It will let me click a link to the us patriot act informing you of why they get to take all your personal info for THEIR protection….let all laugh together 🤣 shady shady shady ### 1/5 — Cashback is not working *2021-10-16, version 2.6.0* I have had a number of problems with this mobile banking app since the redesign. My most recent problem is the cashback option doesn’t work and it hasn’t worked for at least a week! I choose the appropriate cashback option before I make my purchase and normally I receive the notification of the “cashback “ moments after I make the purchase, but not anymore. Last week I used cashback on several purchases, as I normally would, but no cashback has been posted! This app is contours frustrate me. I have had my oxygen account since it’s inception but now I am consider switching to another more reliable app. It’s recently been one problem after another. I have had problems with getting my cashback, the app crashing repeatedly, customer support never know how to fix anything, and the redesign of the app is horrible. Then the different “elements “ are ridiculous! Why didn’t you all just leave well enough alone !!!!!!!! ## Most critical reviews (10 lowest-rated) ### 1/5 — If you’re running a business you’ll regret using this app. *2023-07-20* 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. **Developer response:** @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. ### 1/5 — Run. *2023-03-12* 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. **Developer response:** 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. ### 1/5 — So far, not impressed. *2023-03-09, version 3.7.1* 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. **Developer response:** 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. ### 1/5 — Zero customer service *2023-03-07, version 3.7.1* 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. ### 1/5 — To many issues trying to upload info you require!! *2023-01-20, version 3.7.0* I have a iPhone and I have been trying to upload my ID pictures, that you require, after applying etc. At first, your app kept showing me a message saying that it wasn’t able to access my camera.(12 tries) I exited the app, closed it completely and then reopened it. Now, I hit the button to go to my camera and take the pictures, and it just goes to a completely blank white screen. I made sure to hit ALLOW when it asked for permission, to use my camera, so it’s not that. I can’t even get into my account, to try to access any help features, let alone find a phone number to call for assistance! I’ve been messing with this half the day now. I’m going to see if there’s another company that I can open up an account with. This company’s advertisements sound promising & I had high hopes for this company but unfortunately they’ve just fell short. 😒 ### 1/5 — Don’t trust them about the referral bonus!! *2022-10-05, version 3.3.0* I referred my fiancé because I thought this was a good bank. We are to receive $100 after they have a $500 or more deposit hit their account, and they make 5 purchases. He did all the required steps, and we received nothing. I contacted customer service, and she first tried to tell me that I never referred anyone!!! I’m sorry but- if I got the initial $10 for referring him and so do he- please explain how that is possible. She looked more into it, and manually had to add it. She explained within 10 business days we would receive the funds. Well look it here, it’s past the 10 business days and NOTHING!!!! I talked to customer service again, and she tells me it hasn’t been 10 business days. Ma’am, it’s been 11!!!! She then told ME to contact the lady who did the manual referral so she can’t fix it. Are you kidding me???? How would that even be possible!!!!! So basically my fiancé and I are screwed out of the $100! I told him to immediately change his direct deposits if they can lie about this, they can do anything!!! I don’t want people like this in control of our money. **Developer response:** Hello, we're sorry to hear about your experience. Our team would be glad to investigate what happened. Please reach out to Customer Support at 866-287-7021 from 10am-6pm EST Monday through Sunday. You can also reach out to support@oxygen.us and our team will follow up. ### 1/5 — Absolutely Awful! *2022-09-07, version 3.1.2* Have had this bank account for YEARS & in the beginning it worked great; However, as of lately have been unable to even open the app. It will close itself as soon as I attempt to open it. I’ve uninstalled and reinstalled and called customer support which ofcourse is next to impossible to get ahold of . Also a few months back I had an un authorized transaction for services never rendered for like 79$ and they had it under review for months and finally denied my claim even though I had proof from the merchant and my location and multiple other verification methods that I couldn’t have possibly been at the location of the transaction yet they kept my money and wouldn’t explain to me how or why they kept it . The merchant released my funds back to the bank upon receiving the charge back but oxygen magically kept my money and wouldn’t give me an explanation at all they seized all communication and I think they r extremely unprofessional and don’t waste your money with this sorry excuse of a financial institution ### 1/5 — Bad banking *2022-05-18, version 2.9.6* I beg anyone doing real business please do not open an account here! I opened a business account with oxygen last year and deposited a large amount of money. Then tried to purchase a vehicle to only find out I could only make a purchase up to 5k a day. I had to make multiple transfers to a separate account in order to make the transaction. Last week I received a check in the mail from my insurance company in my business name only to find out they won’t let me deposit it in my business account because it’s in my business name. How is that possible when they sent the money to the insurance company in my business name. So I call and wait over 45 minutes got disconnected called back was prompted to get a call back. After waiting an hour for the call back I decided to call back. After waiting another 30 minutes I was told my account was closed and would receive a email within 24 hours. Please don’t trust them with your business. ### 1/5 — Don’t do it *2022-05-10, version 2.9.5* I’ve had this bank for over a year. I loved it at first. I BOUGHT an upgrade on my card to get better cash back advantages. I got the new card in the mail and activated it. Somehow there was a glitch in the system and my new card doesn’t work. Also I can no longer use my card digitally. I have to buy gift cards to use a card online anywhere. I called to get this fixed. They said I have to freeze my acct and wait for a new card. Unless of course I want to pay $199 to upgrade again to the next card. I have multiple bills that come out of my acct monthly. And multiple direct deposits. It’s not feasible for me to freeze my acct. I shouldn’t be penalized for their mishap. So I have to pull out all of my money $500 a day until my acct is clear to get another acct elsewhere. When I called to see if I could bypass this they were too busy talking to other employees in the background to actually help in any way. If they could send me a new card before without freezing my acct they could certainly do it again. ### 1/5 — No Debit Cards Here, LOL *2022-03-04, version 2.9.1* They don’t send your debit(s) card on time. It takes them a solid month and some weeks to send out cards. How do I know this? After opening up my bank account, they sent me my 1st debit card. I waited for the expected arrival date which came, yet I received no card. So I called their customer service and they ended up canceling the card in transit and processing another one to be sent. The representative on the phone promised me I would receive this second card in 14 calendar days. After 14 calendar days guess which card I received? The first one. I know this because when I tried to activate it, they said that there was an error, in which I called customer service about again. They told me that I received the first card but that it has been completely canceled. Yet they had no update on the second card. Instead they wanted me to completely cancel the second card so they can send me a third. I told her “no, that I’ll wait for the 2nd card to get here” because I simply didn’t want to wait another month cycle just to go through the same problem again. UPDATE: I ordered this card back in January and as of today I have yet to receive my card. Customer service keeps telling me to use that silly virtual card of theirs. This is pathetic. **Developer response:** @bizguy78 - Sorry to hear about the issue you are having with the card delivery, we 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. ## Most praised reviews (10 highest-rated) ### 5/5 — A fun spin on online banking. *2022-10-16, version 3.4.0* I’ve been using Oxygen for upwards of a year now and it’s been fantastic. There is a whole slew of tools to help manage your finances, like rounding out change to your savings after purchases, to simple things like having part of your paycheck deposited into your account automatically. The branding is very unique, with four stages of ‘Elements’ (like an upgrade to your bank account/debit card) each having very generous benefits such as cashback and reimbursements for things like Netflix and Peloton. There are just so many things here that make managing my finances more convenient in ways I didn’t know about. Not to mention they genuinely seem to care about their customers. They send you cool goodies like bags and high quality notebooks just for banking with them over time. Overall it’s a breath of fresh air compared to the seemingly uninspired and bland status-quo that other big banks stick to. Definitely rexcomend. ### 5/5 — Perfect *2022-08-26, version 3.1.2* Honestly this is the best bank card online that I’ve used I’ve had it for along time now it’s my main bank card I’ve never had any issues with anything if I had a slight problem logging in or a transaction was wrong or anything I’ve been helped happily and efficiantly..I will continue using oxygen I’ve not had any issues , knock on wood lol….thank you oxygen u know I do have one issue but I believe it’s through into money they jus simply don’t like me lol maybe you guys can make a metal debit card for loyal customers or maybe loyalty programs can exist to create more revenue for oxygen . Anyways thanks again u get 5 stars from me ### 5/5 — Unexpectedly impressed *2022-06-24, version 2.9.9* I downloaded a handful of online banking apps because I needed a routing number and account number In Order to receive three dollars cash I had required In rewards points from participating in the door dash food delivery employment opportunity and except for oxygen all the other apps I downloaded ended up being unable to be recognized as legit banking or required subscriptions or some other kind of unsolicited nonsense in order to use them I had hit all brick walls so when oxygen not only provided exactly what I needed in an easy to understand and enjoyable manner I was over the moon excited but I wasent planning on actually using oxygen more then for just acquiring my reward money until I was unexpectedly surprised by not only the beautiful astatic it had but the countless offers it had in requires to saving money cash backs and perks. I decided to make oxygen my primary bank and I’m so happy I have. I encourage everyone to check this online bank out and just explore all the exciting things it can offer. **Developer response:** Hi, thank you very much for your feedback. Appreciate it! ### 5/5 — RUN AWAY!!! *2022-05-27, version 2.9.6* I’ve never been more upset. These jokers “upgraded” my card and in doing so gave me the SAME card number with a different expiration date and unbeknownst to me, cancelled the card I had. I didn’t ask for any of this. I went to transfer my paycheck from CashAPP into my oxygen acct today and instead of declining like a normal deactivated card (again I didn’t know it was deactivated) oxygen ACCEPTED the payment and THEN declined it. Completing the payment on CashAPP and leaving it in a rejected pending status. Now they are saying it will randomly appear back in my cash app in 3 TO 5 BUSINESS DAYS! It is a holiday weekend and this is my PAYCHECK! My kids can’t eat, we can’t go anywhere. I have zero dollars because this bank doesn’t understand how to be a bank. Customer service is impossible to understand and absolutely worthless. I’m telling everyone I can DO NOT USE THIS BANK! ### 5/5 — My Primary Bank! *2022-05-14, version 2.9.6* I can 100% say that this is by far my favorite bank! My paycheck comes early, I get cash back easily and only need to accrue $10 cash back to cash out; when I do so, I can use the money immediately! I recently got a free upgrade to the “Water” element, which means a cooler debit card, more cash back, and other cool perks. It is compatible with Plaid, which I need in a bank. Also, if I need help from Customer Service, you can actually call and speak with a human being, which is more than can be said for most online-only banks! I probably have an account with every free online bank possible, but Oxygen is my main one, where my paycheck is deposited and my bills are paid from. I literally have no complaints whatsoever about Oxygen! Looking forward to trying a business account for my LLC! Thanks Oxygen team! **Developer response:** @m@nd€€ - WOW!!! Thanks for the awesome review, so glad you are an Oxygen customer! 😎 ### 5/5 — Business account setup takes forever!!! *2022-04-29, version 2.9.4* I wish the setup time were really 2-4 weeks like stated, and not the 2-4 months it's taken. This was once a 1 star review because I honestly thought I had been scammed, but yesterday a Certificate of Registration came… so something is happening. It’s just incredibly disheartening when you have questions about a super important issue (like setting up a brand new business for example), and there seems to be no one available to answer any real questions… I’ve still yet to receive a single email from the business department! Ongoing review as things change, I’ve updated to 3 stars… as I’m hopeful now, whereas before I genuinely was worried that no business was being formed at all, and my measly $270 was part of “who falls for that” type of scam! I don’t think that’s the case here though, I think things are just taking WAY longer than expected. So I shall continue my life lessons in patience… and come back to this when/if there is an update. Cheers! ### 5/5 — :) *2022-01-17, version 2.8.4* Absolutely LOVE Oxygen. I ditched traditional banking a long time ago and this is by far the best mobile banking app I’ve ever had. I signed up through their referral program and ended up making $260 just recruiting people myself to join. I switched over to Direct Deposit and have been enjoying early paydays ever since. Can’t think of a single problem so far, so thank you guys!!! My only suggestion would be a cash advance option, or an easily accessible overdraft feature where if I swipe my card and don’t have enough funds in my account, instead of it declining it would be cool to have the remaining balance of my purchase covered for emergency situations. ### 5/5 — Oxygen *2021-11-03, version 2.7.2* I love this app and the simplicity. The features are good I use bill pay and virtual cards all the time. It’s easy to reload via store or through transfers. You can also change theme and unlock different cards with different reward tiers within the app. My only drawbacks is the atm limit is 2021 and 500 for digital only bank is too low $1000 ATM limit would be better. Also my savings balance doesn’t up date no matter how much money I add it stay the same. To fix it I have to log out of the app completely and re login it’s highly annoying and that bug needs to be fix ASAP. ### 5/5 — Great bank *2021-10-05, version 2.5.1* I am so glad I was referred to Oxygen. I haven’t had a lot of luck with mobile banking but so far this account has been great for me. I love all the little perks and the savings and it’s always a plus when you can get amazing customer service, too! Any time I’ve needed to reach out, it’s fast, super friendly and always ready to help and take care of anything. The only thing I wish was better is the dispute dept. it does take a lot longer it seems to get your money back, than a lot of other banks but overall they’re amazing. ### 5/5 — I hate to leave this review because I use to LOVE this bank *2021-08-24, version 2.3.0* I’ve always sworn by this bank account and told everyone I could to get it- like it was legit the very best one out there. HOWEVER, when they couldn’t leave well enough alone and updated the app to this dark themed oxygen fire etc. all it does now is crash, CONSTANTLY. I open my app up and 8 out of 10 times it crashes upon opening and tells me my account is not active when I’m clearly looking at my funds behind this supposed error message. So I always and I do mean ALWAYS, have to close it and open it again anoint 5 or 6 times for it to finally stop crashing and giving me an error message. I’ve been in the check out line and forgot to unlock my card before I came in the store and literally had to stand there trying to open the app to unlock my card but of course as always it crashed and told me I didnt have an account. So I had to stand there holding up the line until the Oxygen app finally got its life together and opened up for me. It was awful.. Again I use to absolutely LOVE this app. But now- with the update, it’s completely useless. I cant even recommended it anymore, it will legit make you throw your phone smh. Honest review. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*