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Simple VS OXYGEN

Compare Simple VS OXYGEN and see what are their differences

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Simple logo Simple

Simple is reinventing personal banking with modern online and mobile experiences, no surprise fees...

OXYGEN logo OXYGEN

Oxygen is a modern digital banking platform for the 21st century economy – the free thinkers, rebels, and entrepreneurs. Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, Member FDIC
  • Simple Landing page
    Landing page //
    2018-10-06
  • OXYGEN Landing page
    Landing page //
    2023-10-06

Simple features and specs

  • User-Friendly Interface
    Simple offers an intuitive and straightforward interface, making it accessible for users who may not be tech-savvy.
  • No Hidden Fees
    Simple is transparent about fees, such as not charging for overdrafts or maintaining a minimum balance, which can save users money.
  • Innovative Budgeting Tools
    Tools like 'Safe-to-Spend' and 'Goals' help users manage their finances more effectively by visually representing their spending power and saving goals.
  • Excellent Customer Service
    Simple has a reputation for responsive and helpful customer service, which can be reached via multiple channels, including phone, email, and social media.
  • FDIC Insured
    Deposits are insured up to $250,000 through a partnership with BBVA USA, adding a layer of security for users.

Possible disadvantages of Simple

  • Limited Product Offerings
    Simple lacks a comprehensive suite of financial products like loans and credit cards that traditional banks offer.
  • Cash Deposit Limitations
    Depositing cash can be cumbersome as Simple does not have physical branches; users must utilize third-party services which might incur fees.
  • No Physical Branches
    The absence of physical locations may be a disadvantage for those who prefer face-to-face interactions for their banking needs.
  • Reliance on Internet Access
    As a fully online bank, Simple requires stable internet access and competent digital literacy, which may not be convenient for all users.
  • Limited ATM Network
    While Simple provides access to a broad network of fee-free ATMs, users might still encounter situations where finding a fee-free ATM is inconvenient.

OXYGEN features and specs

No features have been listed yet.

Analysis of Simple

Overall verdict

  • While Simple was considered a good choice for digital banking due to its ease of use and helpful financial management tools, it no longer operates independently. Former Simple customers and individuals seeking similar features might consider alternatives like Chime, Varo, or other modern fintech companies that offer similar services.

Why this product is good

  • Simple was known for its intuitive and user-friendly mobile banking experience, offering features like budgeting tools, no fees on basic accounts, and a reliable digital platform. It aimed to make banking straightforward and stress-free for users, especially those comfortable with handling finances through an app. However, as of 2021, Simple has been shut down by its parent company, BBVA USA, and its services have been transitioned into BBVA's offerings.

Recommended for

    Simple, when operational, was recommended for tech-savvy individuals looking for a seamless online banking experience without many fees, and people interested in integrated budgeting and financial tracking tools. Current recommendations would be to explore existing fintech solutions with comparable benefits.

Simple videos

+ Add

The Truth About Simple Skin Care

More videos:

  • Review - DOCTOR V Reviews Simple | Brown/ Dark Skin of Colour | SOC
  • Review - Simple Skincare Review! Micellar Water, Cleansers, Moisturizer | Clean, Affordable Skin Care

OXYGEN videos

+ Add

Oxygen (2021) Netflix Movie Review

More videos:

  • Review - ⚠️ OXYGEN: A Sci-Fi Thriller You Need to Watch | Netflix Movie Review
  • Review - Netflix’s Oxygen Ending Explained

Category Popularity

0-100% (relative to Simple and OXYGEN)

Simple

OXYGEN

Finance
100 100%
Finance
0% 0
Business & Commerce
81 81%
Business & Commerce
19% 19
Website Builder
0 0%
Website Builder
100% 100
Time Tracking
100 100%
Time Tracking
0% 0

User comments

Share your experience with using Simple and OXYGEN. For example, how are they different and which one is better?
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Reviews

These are some of the external sources and on-site user reviews we've used to compare Simple and OXYGEN

Simple Reviews

The 8 Best Budgeting Apps of 2020
Simple is more than a budgeting app, it is an online bank account that replaces your old checking account and has tons of useful budgeting features built-in. When your budget and your bank live in the same app, it is much easier to manage and keep everything under control because you only have one place to visit to view and manage your money.
Source: www.thebalance.com
17 Top Evernote Alternatives for Note-Taking for 2019
Here’s the lowdown: Simplenote is free across all devices; Evernote isn’t. Evernote has an adequate amount of formatting and rich text options; Simplenote doesn’t. Evernote offers web clipping, Simplenote doesn’t.
Source: www.workzone.com

OXYGEN Reviews

We have no reviews of OXYGEN yet.
Be the first one to post

Social recommendations and mentions

Based on our record, Simple should be more popular than OXYGEN. It has been mentiond 4 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Simple mentions (4)

  • Closed bank closed debit card (simple.com)
    I received a refund for an item on Amazon and the debit card and bank was closed. Amazon will not reissue the refund to a different debit card and I'm clueless who to contact if there is anyone to contact since simple.com was defunct in 2021. Any help would be appreciated. Source: over 2 years ago
  • Am I selfish?
    Get a fresh bank account without him; credit unions can be good for this. Make sure it's not at a bank that he frequents...you don't want the teller to be "helpful" and clue him in on things. I used to recommend simple.com for a debit card, but they have sold out to PNC. Source: about 3 years ago
  • I never had to call Simple.
    Patience and discovering that simple.com now points to BBVA's Simple migration page. Source: about 4 years ago
  • Q about Simple hosted message center
    Prior to putting this on reddit the site showed a simple.com blue banner. Source: about 4 years ago

OXYGEN mentions (2)

  • Are virtual cards anonymous what info do they see?
    If you are looking for a bank account that has the ability to make secure virtual cards I would highly recommend Oxygen . Source: almost 2 years ago
  • Oxygen Debit Card - The Best Cashback on Fast Food and Coffee
    Oxygen is a neobank that's been around for a couple years now. Like many neobanks, they have no monthly fees or minimum balances which is nice, but nothing special. Source: over 2 years ago

What are some alternatives?

When comparing Simple and OXYGEN, you can also consider the following products

Salesforce Financial Services Cloud - Salesforce Financial Services Cloud offers CRM solutions for banking, insurance, and wealth management.

Itris - Itris is the best ATS, Recruitment, and CRM solution that gives you access to all the features to hire the top candidates with great ease.

Money Guide Pro - Money Guide Pro is a financial planning software solution.

Olivia - Your new best friend built with an artificial neural network

Redtail CRM - Redtail is a web-based client relationship management solution for the financial advisors.

Divi Theme - A flexible WordPress theme with the power of Divi Builder built in.

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