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Oxygen
OX

Oxygen

Oxygen is a new digital bank designed to meet the needs of freelancers who traditionally have a hard time getting access to credit. You’ll only pay a monthly membership fee when you tap into your line of credit.

You get
$25.00
Referrer gets
$25.00
Newest code shared Nov 27, 2025

Independent community listing — not affiliated with or endorsed by the featured brand.

Oxygen referral program

Terms as listed in our directory. Confirm them on the official site before you sign up.

How it works

The reward is paid to each party within ten business days after all qualifying activities for the bonus have been completed by the referee and posted to the referee’s account. Each Customer may earn no more than $500.00 in referral rewards in a 6-month period.

Where to find your code

In the app, click "More" on the bottom bar. Then click "Referral" near the bottom of the list.

Banking

Contribute to this page

Share a code, offer, question, or update about Oxygen. Sign-in happens only when you publish.

4.4

Editors' rating

Oxygen referral program

Products & services
Signup bonus ($25.00)
Referral Reward
Popularity
Brand Reputation

Reviews

Published member reviews and clearly attributed brand responses.

No member ratings yet103 ratings from members who share a code for this program are not counted.
TO
Rating-only review
Tony Leach · Nov 27, 2025
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
RY
Rating-only review
RYAN HARDY · Mar 14, 2024
5/5

Rating shared without a written note.

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
WH
Rating-only review
White Mumblez · Feb 4, 2024
3/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
MA
Review
Markay Zurilgen · Feb 3, 2024
5/5

Hey, we’ll both get $100 when you receive a qualifying Direct Deposit and make 5 debit purchases. Terms apply. Sign up with my link. [referral link hidden]

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
HU
Review
HUNTER BIDENS · Feb 1, 2024
5/5

Oxygen rocks on direct deposit! #GETUSOME

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No public brand response.
NI
Review
Nintendough 64 · Feb 1, 2024
5/5

Hey, we’ll both get $200 when you receive a qualifying Direct Deposit and make 5 debit purchases totaling $0.01 or more after tax. Terms & Conditions apply. Sign up with my link and earn today: [referral link hidden] !

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
KR
Rating-only review
Kristina Tongue · Jan 28, 2024
4/5

Rating shared without a written note.

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
MO
Rating-only review
Moncef Fahim · Jan 26, 2024
5/5

Rating shared without a written note.

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
AL
Review
Alan A · Jan 18, 2024
4/5

Open a new Oxygen checking account. Direct deposit $500 within 60 days of opening. Complete 5 debit card transactions within 60 days of opening. Bonus posts in 2 weeks No Early closure Fee No Monthly Maintenance Fee

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
BE
Rating-only review
Beth Wilson · Jan 16, 2024
4/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
AS
Review
Ashela Sinkler · Jan 15, 2024
2/5

Hey, we’ll both get $100 when you receive a qualifying Direct Deposit and make 5 debit purchases. Terms apply. Sign up with my link.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
ST
Rating-only review
Staci · Jan 2, 2024
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
LI
Rating-only review
Lisa Perkins · Dec 29, 2023
4/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
EM
Rating-only review
Emily Perez · Dec 26, 2023
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
CA
Rating-only review
Candi Barrett · Dec 25, 2023
5/5

Rating shared without a written note.

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
CA
Rating-only review
Candi Barrett · Dec 25, 2023
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
AN
Review
Andrew Walker · Dec 18, 2023
5/5

(Updated & Accurate as of 12/18/2023) Terms & Conditions [referral link hidden] In order for both the Referee and the Customer to each qualify for and receive the $100.00 referral reward (“Qualified Referral”), the Referee must meet the following: Conditions: The Referee must be a new Oxygen customer with no current or prior Account. The Referee must use the unique Customer link to successfully download the application, apply for and open an Account. The Referee must successfully complete the Oxygen Account opening within 30 days of downloading the application from the Customers unique link. The new Oxygen Account of the Referee receives at least one qualified payroll direct deposit of $500.00 or more within sixty (60) calendar days of opening the Account. A qualifying payroll direct deposit is a direct deposit from your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, verification or trialdeposits from financial institutions, peer to peer transfers from services suchas PayPal, Cash App, or Venmo, mobile check deposits, one-time direct deposits, cash loads or deposits, one time direct deposits such as tax refunds and other similar transactions, and any deposit which Oxygen does not deem to be a qualifying payroll direct deposit are not qualifying payroll direct deposits The Account has at least five (5) debit purchase transactions with theOxygen Visa® Debit Card (including Virtual Card purchases) that have posted and settled to the Account within sixty (60) calendar days of opening the Account. The $100.00 Qualified Referral will be paid within ten (10) business days to each party after all qualifying activities for the bonus have been completed by the Referee. Customers of all tiers are eligible to receive the Qualified Referral. If either party’s Account is closed for any reason prior to the referral reward payout, each party will forfeit all related rewards. Rewards are paid via deposit to the Customer’s and Referee’s respective Accounts. Each Earth, Water, Air, and Fire Customers may earn no more than ten (10) $100 Qualified Referrals in a 6-month period. For the avoidance of doubt, no Earth, Water, Air, or Fire Customer may earn more than a total of $1,000.00 in total referral rewards in a 6- month period. Referee acknowledges that payment of the reward may result in the Customer’s knowledge of Referee’s establishment of an Account and fulfillment of the qualifying conditions. Oxygen reserves the right to cancel or modify the referral reward offer terms or terminate the Customer’s eligibility at any time with or without prior notice. For example: Credits of $10 or more paid to Referee must be reported on tax form 1099-INT. Credits totaling $600 or more paid to Customer must be reported on tax form 1099-MISC.

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
LE
Review
Lesley Brown · Dec 13, 2023
4/5

Hey, we’ll both get $100 when you receive a qualifying Direct Deposit and make 5 debit purchases. Terms apply. Sign up with my link. [referral link hidden]

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
SC
Rating-only review
Scarlet B · Dec 8, 2023
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
TE
Rating-only review
Teri “Tee” Dickson · Dec 4, 2023
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.

Showing 20 of 103 published reviews.

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