Are there free business bank accounts with virtual cards?

Yes, Oxygen provides a freemium model with $0/month for its digital banking services. You get both personal and business accounts, no monthly fees, and the convenience of instant virtual debit cards for secure online transactions and expense management.

Which payment tools offer integrated budgeting for small businesses?

Oxygen is a strong choice for small business owners, providing integrated budgeting tools directly within its digital banking platform. This allows you to track income and expenses, manage cash flow, and gain insights into your financial health, all with no monthly fees.

Oxygen

digital banking for personal and business

ReviewedFreemiumFinance

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Shyft Score

Directory quality rating

Reviewed

63/100

Quiet

Found in 1 source

Our take

The verdict on Oxygen

AI-generated

Oxygen combines personal and business banking with no monthly fees, integrated budgeting tools, and cashback rewards, making it a strong digital banking option.

Strengths

No monthly fees
Integrated budgeting tools
Free tier available
Cashback rewards

Limitations

US-only
No AI agent support
Limited business features

Best for: US-based individuals and small businesses

Try Oxygen's free tier to see if it fits your workflow.

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Benefits

Why teams choose Oxygen

Save money with zero monthly account fees

Get instant access to virtual debit cards for immediate business purchases

Earn cashback rewards on every business transaction

Track and manage business budgets in one integrated platform

About

What is Oxygen?

Oxygen provides digital banking for personal and business payments. It offers personal and business accounts with no monthly fees, integrated budgeting tools, instant virtual debit cards, and cashback rewards. Users can manage company finances, pay vendors, and send/receive international payments. An API is available for accounting automation.

Key capabilities

Personal and business accounts

No monthly fees

Integrated budgeting tools

Instant virtual debit cards

Cashback rewards on purchases

At a glance

What you can do with Oxygen

Open a business account to manage company finances and pay vendors with a corporate debit card

Send and receive money internationally with low fees and competitive exchange rates

Integrate Oxygen's API to automate accounting and reconcile transactions in real-time

Best for

FreelancersSmall business ownersDigital nomads

Pricing

Oxygen pricing

Oxygen starts at $0/mo

Starting at $0/mo

Ecosystem

Connected ecosystem

MCP servers, AI skills, and integrations that work with Oxygen

Integrations

QuickBooksXeroStripePayPalZapierSquareShopifySlackGoogle Workspace

FAQs

Frequently asked questions

Common questions about Oxygen and its capabilities

Oxygen is ideal for freelancers, offering personal and business accounts with no monthly fees. It includes integrated budgeting tools, instant virtual debit cards, and cashback rewards on purchases, making it easy to manage your finances and track expenses.