TL;DR: If you are replacing Oxygen, the closest options are Tally, Sable, Z1. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Oxygen (YC Summer 2018).
Last verified:
The three closest alternatives to Oxygen are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Tally | — | YC Winter 2025 | 2 | Active |
| Sable | Mobile bank for credit-worthy, new-to-America internationals offering… | YC Summer 2019 | 12 | Acquired |
| Z1 | Digital bank for teenagers in LatAm connected to prepaid card | YC Winter 2021 | 80 | Active |
| Akudo | India's first learning-focused neobank for teenagers | YC Summer 2021 | 20 | Inactive |
| FAZZ | All-in-one Finance for Every Southeast Asia Business | YC Summer 2017 | 500 | Active |
| Truebill | Live your best financial life | YC Winter 2016 | 225 | Acquired |
| FutureAdvisor | The online financial management service for everyone. | YC Summer 2010 | 51 | Acquired |
| Fingo Africa | A neobank for Africa's 500 million youth | YC Summer 2021 | 8 | Acquired |
| Honeydue | The simplest way for couples to manage money, together | YC Summer 2017 | 2 | Acquired |
| Fondeadora | We are connecting every single Mexican to the financial system. | YC Winter 2020 | 160 | Active |
| Aspora | Single account to manage money across the world | YC Winter 2022 | 85 | Active |
| Seis | Banking 100% in Spanish for the 44 million US Spanish speakers | YC Winter 2022 | 70 | Inactive |
It depends on your size. Tally is the closest match on what Oxygen actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
Oxygen is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to Oxygen on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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