Updated September 29, 2026 · SumCue Editorial Team
eToro vs Gemini
eToro
Higher score in this comparison
Gemini
eToro vs Gemini: the differences
| Compare | eToroReviewVisitVisit | GeminiReviewVisitVisit |
|---|---|---|
| Taker fee | 1% | 0.8%Lower |
| Coins listed | from 150 | 76 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA) |
| Fiat deposit methods | Card, Bank | Card, Bank, ACHCovers more |
| Withdrawal fee | $5 flat fee | Crypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125 |
| Maker fee | Not confirmed | 0.4% |
| Proof of reserves | Not confirmed | Yes |
Same on both: Derivatives (Yes), Exchange type (Cex).
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Key differences
- eToro scores higher overall: 9.2 vs 9.0.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
- Founded is lower at eToro: 2007 vs 2014.
- Taker fee is lower at Gemini: 0.8% vs 1%.
- Fiat deposit methods: only Gemini offers ACH.
- Support channels: only Gemini offers Email, Community.
- Features: only eToro offers Crypto, Demo account, Fractional shares.
- Features: only Gemini offers Custodial, Self custody, Staking.
Our verdict on each
eToro
eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.
Gemini
Gemini suits traders who want a regulated exchange and a self-custody wallet in the same product, and who want to check a licence rather than take a promise. It lists 76 coins and offers derivatives, and the European business, Gemini Intergalactic EU Ltd, is based in Malta.
Score breakdown
| Area | eToro | Gemini |
|---|---|---|
| Cost | 9.3HigherAccount fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. | 8.3Taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here. |
| Offer | 8.8 | 9.3HigherProof of reserves is published, derivatives are offered, and the feature set covers custodial, self custody and staking. |
| Trust | 9.2 | 9.3Higher |
Where each is licensed and available
| Country | eToro | Gemini |
|---|---|---|
| United States | SIPC SIPC member 70212 | |
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
| Malta | Not confirmed | Malta Financial Services Authority (MFSA) MiCA CASP 2138002QAMX8PPKSO715 |
How they place
| Ranking | eToro | Gemini |
|---|---|---|
| Crypto | 3 of 428 | 4 of 428 |
| Crypto exchanges | 1 of 330 | 2 of 330 |
A third option
ActivTrades has taker fee at 0%, against 1% for eToro and 0.8% for Gemini.
ActivTrades reviewWhat we checked
eToro
- etoro.com: 6 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- cryptoninjas.net: 2 facts, checked September 26, 2026
- brokerchooser.com: 1 fact, checked September 26, 2026
Gemini
- gemini.com: 8 facts, checked September 26, 2026
- coingecko.com: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- defillama.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | eToro | Gemini |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile app | Custodial, Self custody, Staking |
| Legal entity | eToro (Europe) Ltd | Gemini Intergalactic EU Ltd |
| Headquarters | Cyprus | Malta |
| Founded | 2007Lower | 2014 |
| Support channels | Help centre | Email, Help centre, CommunityCovers more |
Savings
| Fact | eToro | Gemini |
|---|---|---|
| Headline rate | 3.8% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | $1 to $10,000 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Not confirmed |
| Monthly fee | $0 | Not confirmed |
| Account kind | Cash management | Not confirmed |
Robo-advisors
| Fact | eToro | Gemini |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Account types | ISA | Not confirmed |
| Portfolio types | ETF, ESG, Cash, Crypto | Not confirmed |
Crypto wallets
| Fact | eToro | Gemini |
|---|---|---|
| Wallet type | Mobile | Browser |
| Price | Not confirmed | $0 |
| Custody | Custodial | Self custody |
| Coins supported | Not confirmed | 76 |
| Secure element | Not confirmed | No secure element; passkey-based smart wallet signing on-device |
Credit cards
| Fact | eToro | Gemini |
|---|---|---|
| Audience | Beginners | Not confirmed |
Where each stands against the rest
| Fact | eToro | Gemini | Median |
|---|---|---|---|
| Taker fee | 1%highest quarter | 0.8%highest quarter | 0.15% |
| Coins listed | from 150above the median | 76below the median | 89.5 |
| Maker fee | Not confirmed | 0.4%highest quarter | 0.1% |
Median across 222 listed providers.
Pros and cons
eToro
Pros
- Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
- Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
- Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.
Cons
- Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
- Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
- Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.
Gemini
Pros
- Regulated on both sides of the Atlantic through NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), so the licence can be checked rather than taken on trust
- Fiat deposits run by card, bank and ach, and the self-custody wallet itself costs $0
- Founded in 2014, with the exchange listing 76 coins and the wallet supporting 76
Cons
- On the ActiveTrader schedule, the taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here
- Support runs on email, help centre and community, with no phone line listed
- The wallet is browser based with no secure element, so it relies on passkey signing on-device
Who each suits
eToro
Who it suits
- New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
- Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
- UK savers who want a tax wrapper, since an ISA sits among the isa on offer.
Who should look elsewhere
- bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
- CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
- Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.
Gemini
Who it suits
- US traders who want state money transmitter licensing alongside a European regulator, both named in NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA)
- European customers who want a home market entity: Gemini Intergalactic EU Ltd is based in Malta
- People who want to hold their own keys, since custody is self custody
Who should look elsewhere
- Cost-first traders, since the typical taker fee here is 0.25% and bunq runs 0.25% to 1.99%
- eToro and Vivid Plus customers, whose listed charges are 1% and 2.25%, when a licensed exchange listing 76 coins matters more
Country by country
| Country | eToro | Gemini |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Bahamas | No | Yes |
| Belgium | No | Yes |
| Bermuda | No | Yes |
| Bhutan | No | Yes |
| Brazil | No | Yes |
8 of 65 countries where either is available.
Questions about each
eToro
What does eToro charge to open and run an account?+
The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.
Is my money protected at eToro?+
eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.
Gemini
How much does it cost to trade on Gemini?+
Trading runs on the ActiveTrader schedule, with a taker fee of 0.8% and a maker fee of 0.4%. Makers pay less than takers, so the cheaper side of the book is the one that adds to the order. The account itself costs $0, which keeps the charge in the trade.
Is Gemini regulated?+
Gemini is listed under NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), which covers US state money transmitter licensing and the Malta Financial Services Authority. The European business is Gemini Intergalactic EU Ltd, based in Malta. The exchange also publishes proof of reserves, and the wallet gives self custody rather than platform custody.
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