Comparison

Oxygen Mobile Access vs Oxygen X Finance

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Oxygen Mobile Access

Manage your finances on the go with this app. Easily pay bills, transfer funds across Australia, and access your account details. You can also redraw funds from your home loan account, with daily transfer limits.

Highlights
  • Pay bills
  • Transfer funds
  • Access account balance
  • View transaction history
  • Redraw home loan funds
  • Daily transfer limit
Features
Read full description

Mobile Access from Oxygen is here! Pay bills and transfer funds to anywhere in Australia Access your account balance and transaction history whenever you want Redraw funds from your home loan account, fast Transfer up to $10,000 a day It's safe, protecting you and your account information By using Loan One Mobile Access you agree to our Terms and Conditions as set out at https://online.originmms.com.au/ib/oxygen/Terms

About

Oxygen X Finance

Access financial solutions for investing and borrowing. Grow your money with investment plans and earn interest, or get instant loans with flexible repayment options. Secure and regulated for your peace of mind.

Highlights
  • Invest from ₦50,000
  • Earn up to 24.25% annual interest
  • Instant loans up to ₦10,000,000
  • Flexible repayment plans (91-365 days)
  • Affordable interest rates (2-2.5% monthly)
  • No collateral or paperwork required
  • Licensed & regulated by the CBN
Features
Read full description

Oxygen X – Simple Financial Solutions for Everyone Say hello to Oxygen X, the all-in-one app built to help you grow your money and access the financial solutions you need, simply. Whether you are planning for the future or handling today’s needs, Oxygen X empowers you to move money your way. Invest and Earn More - Start investing from just ₦50,000 - Earn up to 24.25% annual interest per annum - Pick a plan that aligns with your financial goals - Your journey to wealth creation begins here: simple, secure, and rewarding Need Extra Support? We've Got You Covered - Our dedicated support team is available to answer any questions - Call 0700-700-4444, email hello@oxygenx.africa, or send a DM - For those unpredictable moments, we offer instant loans up to ₦10,000,000 Why Choose Oxygen X? - Instant loans up to ₦10,000,000 – Get the cash you need, when you need it. - Flexible repayment plans – We will require your repayment from 91 days to 365 days - Affordable interest rates – Monthly rates from 2% to 2.5%, with a max APR of 30% per annum. - Transparent fees – Management fee of 1% (+7.5% VAT on Management Fee) and Credit Life Insurance (CLI) of 0.9% apply. - No collateral or paperwork – Apply with ease, no need for unnecessary formalities. - Fast disbursement – Receive funds into your wallet in minutes. Know Your Loan Terms Upfront - Borrow: N100,000 for 3 months - Management Fee (1%): N1,000 + VAT (7.5%) = N1,075.00 - Credit Life Insurance (0.9%): N900.00 - Total Fees Deducted Upfront (Mgt Fee + VAT + CLI): N1,975.00 - Net Loan Amount Disbursed to Customer: N98,025.00 - Interest (2.5% monthly flat rate): N7,500 (total for 3 months) - Monthly Payment: N35,837.00 - Total Payable: N109,485.08 Security & Trust You Can Count On - Licensed & regulated by the CBN - No hidden fees – Full transparency on all transactions - Safe & secure banking – Your information is protected - NDPR Audit Compliant – Your privacy is our priority Get Started in 3 Easy Steps! 1. Download the Oxygen X loan app 2. Sign up and verify your details 3. Start enjoying simple financial solutions From wealth-building to cashflow support, it all happens here. Oxygen X – To the Power of You. Contact Us - Customer Service Email: hello@oxygenx.africa - Customer Service Hotline: 07007004444 - Address: 1665 Oyin Jolayemi Street, Nigeria - For more information, visit us at: www.oxygenx.africa

Screenshots

Oxygen Mobile Access4 screens
Oxygen X Finance4 screens

Verdict

The call

The clearest difference is rating: Oxygen X Finance at 4.0 against Oxygen Mobile Access's 3.0. On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Oxygen X Finance holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 3 and 2 respectively.

UpkeepUpdate frequency

Oxygen Mobile Access ships an update every 2 weeks, Oxygen X Finance fortnightly. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard1 real difference · 8 level
Oxygen Mobile Access versus Oxygen X Finance: the parameters behind the verdict, then further details
ParameterOxygen Mobile AccessOxygen X Finance
PriceFreeFree
Rating3.0 (3 ratings)4.0 (2 ratings) — better
Number of ratings3 — better2
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size73 MB141 MB
Age rating4+4+
DeveloperOrigin Mortgage Management Services Pty LtdOXYGEN X FINANCE COMPANY LIMITED

Customer experience

Oxygen Mobile Access

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

Oxygen X Finance

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Oxygen Mobile Access

No in-app purchases

None

Oxygen X Finance

No in-app purchases

Questions

Is Oxygen Mobile Access free?
Oxygen Mobile Access is free to download, with no in-app purchases.
Is Oxygen X Finance free?
Oxygen X Finance is free to download, with no in-app purchases.
Which has better reviews, Oxygen Mobile Access or Oxygen X Finance?
Oxygen X Finance is rated higher. Oxygen Mobile Access averages 3.0 out of 5 from 3 ratings, while Oxygen X Finance averages 4.0 from 2 ratings.
Do Oxygen Mobile Access or Oxygen X Finance have ads?
Neither Oxygen Mobile Access nor Oxygen X Finance shows ads.
Which is updated more often, Oxygen Mobile Access or Oxygen X Finance?
Oxygen Mobile Access ships an update every 2 weeks, and Oxygen X Finance fortnightly. Most recently, Oxygen Mobile Access was updated on November 3, 2026 and Oxygen X Finance on November 4, 2026.

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