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Mobile friendly

Trustpilot Rating

Reviews 3





Entity type

Payment Service Provider

Client type




United States of America



Employee Count


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Card providersCash withdrawalDebit cardsDebit cards (virtual)Mass PayoutsMerchant AccountsP2PWalletsWire Transfer AcceptanceACH

Total Score

Pricing of the services


Social media presence


Popularity of the service


Onboarding difficulty


Support quality


About Oxygen

Oxygen is a digital banking platform that specializes in mobile banking, offering both a personal and business bank account through its app. With no monthly fees and unlimited fee-free transactions, the Oxygen business account is well-suited for small-business owners who are looking for an affordable way to separate their personal and business finances and manage them on the go. In addition, Oxygen stands out in that it offers nationwide LLC creation services through a third party, allowing its users to form an LLC from within the app, and then open their business accounts.


Setup Fee

Monthly Maintenance Fee

SEPA Incoming

SEPA Outgoing

SWIFT Incoming

SWIFT Outgoing

FX Fee


  • USD

    (United States dollar)

Trustpilot reviews


Nov 20, 2021

Charges don't get reversed.

After using this card for almost a year, I will be switching and closing my account soon due to the fact that if you make a purchase and it's declined, the charge goes through anyways. This has happened to me twice and the merchant has said the money was reversed back but it has never showed up in my account. Oxygen reps have stated I spent the money but how is that possible when I never got the money back? I just don't understand. The transaction is still pending on my account.


Oct 27, 2021

Promptly rectified issue in a professional manner.

Initially had an error issue in regards to upgrading my Elements account via the app. After few unsuccessful attempts, I emailed Customer Service. Within 48 hours, they promptly responded to my email to ensure they had received my concern, and have rectified the matter in a very professional manner. Received my upgraded Elements card, with no issues in regards to activation via app. Aside of having to re-enter my login details every once a week or so, I have not had any issues otherwise.


Jun 18, 2021

Stay away!

They close people’s accounts for no reason. Their customer service is slow, you are lucky you get even one response.

Finscanner is an independent digital platform aiming to provide up-to-date access to worldwide financial services to improve customer experience and boost transactions.

On this page, you can see a detailed review of Oxygen Payment systems with reviews from real users and our experts. Oxygen provides the following services: Card providers, Cash withdrawal, Debit cards, Debit cards (virtual), Mass Payouts, Merchant Accounts, P2P, Wallets, Wire Transfer Acceptance, ACH.

At the moment, Oxygen rating on Finscanner is 3.6 and on Trustpilot is 3.2.