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Account Set-up
Step-by-step guide to setting up your personal banking account
Step-by-step guide to setting up your personal banking account

If you haven’t set up an account, yet; doing so is quick and easy. Just follow the steps.

Updated over a week ago

Setting up your Oxygen account

  1. Download the Oxygen app on Google Play or the Apple App Store, or go to and click “Get started” at the top right of the page.

  2. Select "Personal account."

  3. Type in the email address and password you want associated with your Oxygen account, then tap “Apply.”

  4. Provide your mobile phone number or email to set up two-factor authorization (2FA), then tap “Continue.”

  5. Enter the verification code that was sent to your phone number or email address.

  6. Next, create a 4-digit passcode to access the Oxygen app. This should be known only to you. After setting up your passcode, you can enable Face ID by tapping the face icon in the bottom right part of the screen.

That’s it. You can now fund your Oxygen account by setting up direct deposits or linking an external bank account in your name and initiating an ACH transfer to your Oxygen account. Please read about funding your account in our FAQ for more information.

Virtual cards

You can also set up convenient and secure virtual cards for online purchases, subscriptions, recurring payments and more.

Creating a virtual card is simple. Just log in to your Oxygen account and:

  1. Go to “More” > “Cards.”

  2. Swipe to the “Virtual cards” section.

  3. Select "Generate a new card," and choose a desired spending limit and expiration date.

Financial goals, savings and managing spending

Use our intuitive dashboard to monitor your spending and set financial goals. Get help managing your finances and make achieving your financial plans easier and faster with our savings goal feature.

Oxygen Friends

Invite friends and family to Oxygen and then split expenses with your Oxygen Friends network effortlessly.

We’re here for you.

If you have questions or need help, we're here to assist you. Reach out to our dedicated customer support team at or 866-287-7021 daily from 10 a.m.–6 p.m. EST (except holidays).

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