Providing today’s hustlers access to free banking and fair credit
Freelancers didn’t have an easy time getting credit until now.
Simple monthly membership
Pay only when you use your line of credit.
Get funds immediately
Oxygen deposits funds instantly into your Oxygen bank account.
Insights built for freelancers
Oxygen presents your financial picture and projections so you can plan accordingly.
In addition to all of that, you get access to the best digital bank, for free. An FDIC insured account, Visa debit card, large check deposits and more.
Sign up in minutes
Instantly, we verify your identity, open you a federally insured bank account, and send you your Visa© debit card.
Connect Your Old Bank
Instead of relying only on your credit score and report, we look at your financial history and make it work.
Get Funds immediately
Afternoon, night, or weekend? Doesn’t matter, you can draw funds instantly to your Oxygen debit card.
What users say about Oxygen
I was fed up of paying $36 with every overdraft.Mark J.Rideshare Driver
Peace of mind with a cash reserve. Love Oxygen!Lisa S.Freelance Designer
Well deserved title, Best Digital Bank! It just works!Rob K.Consultant
No paperwork, documents, or delays. Also UX is amazing.Jessica M.Copywriter
Banking Services provided by a Member FDIC bank. The Oxygen Visa® Debit Card is pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.