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Sending money and paying bills
Sending money and paying bills

This guide will walk you through how simple it is to send money and pay your bills using our secure and user-friendly platform.

Updated over a week ago

Setting up your account

Before you can start making payments, you'll need to create your Oxygen personal account. Follow the easy sign-up process, then verify your account to gain access to all of our great Oxygen features.

Linking another bank account in your name

One way to send funds to and from your Oxygen account is to link an external bank account in your name (It must be your bank account.). Just follow the prompts provided in our “Linking an external bank account” help guide above.

Adding funds to your Oxygen account

You’ll need to have money in your Oxygen account in order to send payments. We offer multiple methods for easily adding funds to your account, including direct deposits, mobile check deposits, or transferring money via ACH from an external bank account in your name.

Sending and receiving money with Oxygen Friends

You can send money to your loved ones instantly or receive payments with ease. Whether it's splitting the bill at dinner, pitching in for a birthday gift or sharing expenses, sending money using Oxygen Friends is hassle-free and convenient. Just enter the recipient's details, the amount, and hit send. You can also request funds from your Oxygen Friends network.

Paying bills

The days of writing checks and standing in long lines are behind us. With Oxygen, you can easily pay your bills online. Simply add the payee information, enter the payment amount, and schedule a payment date. We'll take care of the rest.

To create a free bill payment:

  • Step 1: Select “Bill pay” under “Overview.”

  • Step 2: Choose “Add bill” > “Add payee,” and input the biller’s name and address.

  • Step 3: Tap “Add” > “Make a payment,” and add the amount and frequency of the payment.

  • Step 4: Select a send date. Then add a note, if desired.

  • Step 5: You can turn on autopay by toggling the switch and tapping “Confirm.”

  • Step 6: Once confirmed, your payment will be deducted immediately from your account balance, and a paper check will be mailed to the payee you selected using USPS.

There is no cost to use the bill pay feature. Bill payments started after 10 a.m. EST will be processed by 11 a.m. EST the next business day.

Managing transactions

Keep track of all your Oxygen transactions in one place. Our user-friendly interface lets you view and manage your payment history anytime, which makes it easy to stay on top of your finances.

Using virtual cards

For added security and control, use Oxygen virtual cards for online purchases. You can quickly create virtual cards for specific merchants or subscriptions, set spending limits and deactivate your virtual cards at any time.

Staying secure

Your security is our priority. The Oxygen platform is equipped with advanced security measures to protect your sensitive information and transactions such as advanced encryption and fraud monitoring

Exploring cashback rewards

Earn cash back on select purchases with Oxygen's cashback rewards program. Save money while you spend

Getting support when you need it

Whenever you need help or have questions, our dedicated customer support team is here to help. Reach out to us at or 866-287-7021 every day from 10 a.m.–6 p.m. EST (except holidays).

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