# Oxygen Mobile Access vs Oxygen X Finance

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.

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

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.

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.

## The numbers

| Metric | Oxygen Mobile Access | Oxygen X Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (3 ratings)](https://appshunter.io/ios/app/oxygen-mobile-access/id1635094887/reviews) | **[4.0 (2 ratings)](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552/reviews)** |
| Number of ratings | **3** | 2 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 73 MB | 141 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Origin Mortgage Management Services Pty Ltd](https://appshunter.io/developer/1551884391) | [OXYGEN X FINANCE COMPANY LIMITED](https://appshunter.io/developer/1755884603) |

## What reviewers say

### Oxygen Mobile Access

[App page](https://appshunter.io/ios/app/oxygen-mobile-access/id1635094887)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Oxygen X Finance

[App page](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*