While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

See what reviewers are saying

Rated 1 out of 5 stars

Your dateline shows are all the same stories just edited differently! Dateline, dateline secrets uncovered, dateline unforgettable, dateline smoking gun, all the same stories!

Rated 1 out of 5 stars

too stupid to read or do your own jobs. Just another fake "bank" full of fraud and false advertising I get to sue. Don't care if you want to cry about me stating your illegal actions out loud won't c... See more

Company replied

Rated 1 out of 5 stars

Received a strange email advising my account has been flagged by their security monitoring system. WHAT ACCOUNT? I've never even heard of this company and DEFINITELY didn't open an account. The whole... See more

Rated 5 out of 5 stars

Absolutely love using this banking service the only down fall was having to pay $300 for the fire element and the fact how when u go to an ATM that charges you $3 to pull money out, ok that's fine but... See more

Company replied

Company details

  1. Non-Bank Financial Service
  2. Business to Business Service
  3. Financial Institution

Information provided by various external sources

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.


Contact info

2.9

Average

TrustScore 3 out of 5

287 reviews

5-star
4-star
3-star
2-star
1-star

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Your dateline shows are all same

Your dateline shows are all the same stories just edited differently! Dateline, dateline secrets uncovered, dateline unforgettable, dateline smoking gun, all the same stories!

26 October 2024
Unprompted review
Rated 1 out of 5 stars

Oxygen bank is a scam

This is byfar the worst online banking I've ever delt with. They are scammers! I had some money direct deposited from my job to the card, using it as a savings card because I knew I wasn't using it. I received a notice that they were closing so I asked my job to stop the deposits. The order wasn't put in immediately so it continued. The last deposit was finally rejected by oxygen and sent back to my payroll, whom immediately sent it to me. I contacted oxygen for a refund of the money that was sent to them. They agreed however the amount they claimed they mailed was only half of what my job sent them. (1) pissed...(2) oxygen claimed they mailed me a refund check and claimed it was cashed...sent me a copy of a fake check with a fake signature and No cashing bank info...my blood was boiling...believe it or not I remained calm as I spoke with the representative whom proceeded to laugh at me while reiterating the check was cashed and I'm not getting my money back! I contacted the local authorities whom investigated and said the same thing I've been saying. "They're lying, there's no I'd info nor is there any bank information for the "bank" that cashed said check. I've been trying to get in contact with oxygen and there's no legit number to reach them at due to the closure. I've emailed and I'm getting the run around about MY money and they even had the nerve to tell me to pay for a notary to file for an investigation on their end for a fraudulent check cashed..hell no I will not! My next step is to sue whomever I must n I mosdef hope they're really not trying to focus on the medical field because that would be horrible for their patients. These online banks give our personal information to these foreign companies and wonder why fraud is as high as it it. Smh do better and give me my money back!

2 April 2024
Unprompted review
Rated 1 out of 5 stars

This company was involved in a serious SCAM!! in a scam!!

This company was involved in a scam!!
My partner was ambushed and conned into signing for a business loan and using his home against the loan. They gave him no time to do any homework and pressured him into signing. The business was a fake. There was no business. The man who conned my partner took off with the loan money, and defaulted the loan and within hours, my partner had legal proceedings made against him to pay up hundreds of thousands of dollars or else they'd take his home.
This lender put a caveat on the property title. My partner paid the money to the lender. And 7 years later, the lender still hasn't removed the caveat from the property title. They have avoided talking to us and have not done anything to remove the caveat. We will now be taking this to the supreme court!
Don't bank or borrow from this company. They are all corrupt!

20 August 2023
Unprompted review
Rated 5 out of 5 stars

I want my money out of your account…

I want my money out of your account oxygen I am locked out of the app can't get any of my money I just got my income tax deposited in that account and can't get my money what the heck is going on

18 March 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Apologies but with the changes and deprecation of banking we are experiencing high call volumes. Send our team an email with your contact on file and the issue you are facing and they will get back to you ASAP.

Rated 1 out of 5 stars

BE WARNED!!!

I used to love oxygen for years it was my only debit card until I recently had my tax refund deposited to my oxygen account. Then they froze my account and would not unfreeze it even after verifying my identity, became impossible to deal with and would not return calls or emails, and couldn't even give me consistent information between different customer service representatives. Then I looked online and found out I'm not alone. TONS of people are having the same issue as me. They used to be great but now OXYGEN IS A SCAM. They are now closing my account and I'm praying they send me my money back by check but I'm not going to hold my breath. So far they have held my money for 10 months and will not release it. DO NOT USE THIS COMPANY!!!

14 March 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Apologies but with the changes and deprecation of banking we are experiencing high call volumes. Send our team an email with your contact on file and the issue you are facing and they will get back to you ASAP.

Rated 1 out of 5 stars

I’ve had oxygen for years now all of a…

I’ve had oxygen for years now all of a sudden they are closing accounts with no information they won’t answer the phones so I can get my money off before they close.

14 March 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Apologies but with the changes and deprecation of banking we are experiencing high call volumes. Send our team an email with your contact on file and the issue you are facing and they will get back to you ASAP.

Rated 1 out of 5 stars

I have a secondary account with oxygen…

I have a secondary account with oxygen I haven't been able to log in for months they claim it's because my bootloader is unlocked on my phone but honestly it's non of there business as they do not pay my phone bill.i hope this bank fails and would love to check to see if I have money in there.count me as a excustomer especially being my other bank accounts do not care about how I operate my device

1 February 2024
Unprompted review
Rated 2 out of 5 stars

When we first got the oxygen card the…

When we first got the oxygen card the cash back rewards were MUCH BETTER! You have limited AND changed the retailers we can shop with, the frequency we can shop and when we can retrieve our cash back rewards

5 February 2024
Unprompted review
Oxygen logo

Reply from Oxygen

We always listen to what our customers have to say. Stay with us for a while more, we have new features coming down the pipeline.

Rated 1 out of 5 stars

I have been an Oxygen Banking member…

I have been an Oxygen Banking member for a year. Everything was fine until I was a victim of theft and subsequent fraud. My phone was stolen and all my accounts that were tied to my phone were ruined. I provided a police report and oxygen said “no error found” and denied the claim. I refuse to be on the hook for $450 I never spent. Avoid oxygen at all costs. On advice of others I’ll be submitting to the BBB and FTC. Visa guarantees its customers 0% liability for unauthorized charges.

They re opened the dispute and it’s looking like this will be a 6 week process. I’ve reached out to my states attorney general and filed a grievance with their office.

1 February 2024
Unprompted review
Rated 2 out of 5 stars

No longer appealing

Cashback incentives were the biggest reason I loved this bank. The
latest update has heavily restricted which vendors cashback can be
earned at and when your cashback rewards can be deposited to your
account. They've also reduced the amount of money earned per
purchase. Unfortunately after a few years with Oxygen it may be time
to move on.

5 September 2023
Unprompted review
Oxygen logo

Reply from Oxygen

We always listen to what our customers have to say. Stay with us for a while more, we have new features coming down the pipeline.

Rated 4 out of 5 stars

EASY TO USE

Love It been with Oxygen for 4years now

24 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Thank you! We always listen to what our customers have to say. So let us know if you want us to make any improvements.

Rated 5 out of 5 stars

Quick resolutions

On the rare occasions I've had to reach out to customer service they are quick to resolve my concerns.

24 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Thank you! We always listen to what our customers have to say. So let us know if you want us to make any improvements.

Rated 3 out of 5 stars

I don't like the new Cash back rewards…

I don't like the new Cash back rewards policy

1 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

We always listen to what our customers have to say. Stay with us for a while more, we have new features coming down the pipeline.

Rated 2 out of 5 stars

It was too hard to activate rewards

It was too hard to activate rewards. I hated having to go to my phone, find the gas app, and hit 2 buttons to get my reward.

30 November 2023
Unprompted review
Oxygen logo

Reply from Oxygen

We always listen to what our customers have to say. Stay with us for a while more, we have new features coming down the pipeline.

Rated 3 out of 5 stars

I dislike how I have been a customer of…

I dislike how I have been a customer of yours for years and years and have used your service for my direct deposits and numerous other things yet you want to charge people $300 for the top tier fire card. Honestly it's a slap in the face because you don't offer any more benefits that are worth the $300 price tag you're asking I just simply want the card I think the card is cool and I want it but I'm not paying you $300 for it, not paying your extortion fee for your card I will continue to think it's cool and I will continue to want it but I'm not paying you $300 for it and that is honestly so greedy of you to ask anyone to do for the minimal extra benefits you offer honestly haven't even received any rewards from you guys and forever so fairly use your service anymore sure you've noticed that.

24 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

We always listen to what our customers have to say. So let us know if you want us to make any improvements.

Rated 5 out of 5 stars

Amazing that about sums up this banking…

Amazing that about sums up this banking institution. From the travel benefits you rarely see on anything but high unachievable credit cards to the ease of use of their app usually found only on the most modern of banks it all is there and works perfectly add in the burnable cards for online shopping and it just makes them the perfect choice for a banking partner. And it looks like they will be adding more benefits in the future so I will definitely be sticking with them for the long run.

24 January 2024
Unprompted review
Rated 5 out of 5 stars

HIGHLY RECOMMEND FOR ALL

I love my oxygen card i get 4 percent cash back on a lot of purchases and customer service is always fast and curious!

23 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Thank you! We always listen to what our customers have to say. So let us know if you want us to make any improvements.

Rated 5 out of 5 stars

Very grateful for Oxygen and its…

Very grateful for Oxygen and its incredible customer service, coupled with a wealth of features, and the occasional unexpected customer appreciations gifts that truly make me feel like a VIP. I’ve been a proud cardholder for years, and plan to remain a member for years to come.

22 January 2024
Unprompted review
Oxygen logo

Reply from Oxygen

Thank you! We always listen to what our customers have to say. So let us know if you want us to make any improvements.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look