Quality degradation at Oxygen Banking: Modern Finance  
Users report higher volume of Quality Issues than usual
69
poor

Oxygen Banking: Modern Finance | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-6 Points Past 7 Days
Category: Finance
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30-Day Trend
 
Poor
 
Fair
 
Good
 
Epic
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Android unitQ Score
Android User Feedback
85%
Android
131 Reports
iOS unitQ Score
iOS User Feedback
15%
iOS
23 Reports
User Feedback
15%
iOS
23 Reports
85%
Android
131 Reports
Oxygen Banking: Modern Finance - Latest Quality Issues
Android
May 5, 2021
ITS TQKIN ME FOREVER TO DOWBLOAD THIS APP. I HAD NO ISSUE BEFORE BECAUSE I HAD IT AND NOW IT KEEPS SAYING PENDING. THIS IS BS.
Android
May 4, 2021
I've been with Oxygen about a year now. I love this bank!!! Your customer service is amazing. I had an issue early on. Someone charged my bank account, and it was not authorized. Oxygen cancled my card immediately, and mailed out another debit card. They emailed and messaged. They stayed in touch. I have to say, I have never seen such professional care, ever, until I started banking with Oxygen. They really do care about their customers, and it shows. Thank you Oxygen!! 10 STARS 🤩🤩🤩🤩🤩🤩🤩🤩
iOS
May 4, 2021
2hours?
I have been stuck in “verifying identity” and Processing Account for TWO HOURS! I did this purely for the $15 signup bonus offered by coin-out … I will likely not get hat either? Ridiculous! This is two hour sleep I am missing and I have to get up at 4:30 am! Very disgusted!
Android
May 3, 2021
I need HELP quick I'm trying to reload the app and it keeps spinning saying pending what do I do ?????
iOS
May 2, 2021
Current Card Holder
Do not recommend this card, thinking I'm paying some of bills and come to find out it's not getting paid, no overdraft protection, rewards are not good! Don't waste your time.
iOS
May 2, 2021
Speaking My Truth
Ok. I was super excited to get the card. I posted on my Instagram and all, presentation was exquisite. They approved me for regular account but denied my business.... meanwhile.... funds in my account are ☺️. Anyways, I tried to stick with, through the disappointment but then while attempting to use the virtual disposable cards... nothing would go through. My experience was not a good one, however I hope to try them out in the future when they are more established. Peace and light.
Android
May 1, 2021
Horrible. Wouldn't let me verify with my SSN. Kept saying I had a previous account. Which I dont. Even put a hit on my Credit. DO NOT USE
Android
May 1, 2021
This bank is horrible. I tried signing up and they tried to say I was fraudulently trying to open account due to the patriot act LOL. I contacted customer service and for two more weeks I was in limbo until they said yesterday they couldn't help me at all. No explanation no help from customer service. I wonder what the service is like when you have a problem as a customer ? If I could give negative stars I would. The
iOS
Apr 30, 2021
Shady
My card was compromised on Monday. They told me they couldn't dispute the charge until it fully processed. Understandable. They also told me to contact the merchant where the fraud took place. So I did and the vendor/ merchant told me to call the police or to call my bank again. Red flag 🚩 1. I've had this bank for a little over a month. Today I saw (Thursday) that the fraudulent charge had posted. I called Oxygen at 8am CST. Their hours are 10-8pm EST the automated message declared. Ok... no problem. Called again at 12pm CST pressed Zero for an Operator... the automated voice tells me that they are closed. The fraudulent charge was $76.86 I have now the money that remains that I would like to try and remove and Plaid is not connecting to my Chase bank... 🚩 404 Error message site not found. AND the amount allotted per day to transfer is $200 and takes up to 5 days to transfer. So I can't get the rest of my money out. My money is being held hostage because I don't have a current card because they disabled it. The one thing they did that makes sense. Don't use this bank!
Oxygen Banking: Modern Finance - Product Description
Oxygen is a modern digital banking platform built for the 21st century economy - the free thinkers, rebels and entrepreneurs.

Oxygen offers flexible banking solutions for both Personal and Business accounts that are elegant, simple and secure.

Don’t like hidden fees? Neither do we. Enjoy no minimum balance fees, no monthly maintenance fees, no overdraft fees, and access to over 55,000 fee-free Allpoint ATMs.

Keep spending goals in check by connecting external accounts, and get Cashback* Rewards from approved merchants on things you buy everyday - like 5% cashback at Trader Joe's, Walmart, Gas and your preferred Rideshares, and $1 off at your favorite coffee shop, among others.

Small business or entrepreneur? Manage employee spending with one time use virtual cards.  Upload receipts to the app and tag deductible expenses. 

Get started today in just one minute. 

OXYGEN FEATURES:

Zero monthly fees to weigh you down
No monthly or minimum balance fees
Access to 55k fee-free Allpoint ATMs
No bank transfer fees

Oxygen VisaⓇ Debit Card
Silver foiled, contactless debit card. 
Card controls and alerts
Freeze lost card with a tap 
Virtual cards with spending parameters for secure online purchases

Business banking
Gold foiled, contactless business debit card
Business Cashback categories
Upload & tag deductible expenses (accounting tools)
Virtual cards with spending controls to manage employee expenses
Create an LLC from within the app*

Banking for the Extraordinary, from Oxygen.
 
Banking Services provided by The Bancorp Bank, Member FDIC. The Oxygen Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 

‡Please refer to Cashback Terms & Conditions

*LLC formation is powered by CorpNet, Inc. Fees for LLC creation differ by state and services selected
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