Gemini review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
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.
Key facts
- Best for
- A licensed exchange with a self-custody wallet in the same product
- Taker fee
- 0.8%↗
- Coins listed
- 76↗
- Regulators
- NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA)↗
- Fiat deposit methods
- Card, Bank, ACH↗
- Maker fee
- 0.4%↗
- Proof of reserves
- Yes↗
- Withdrawal fee
- Crypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125↗
- Derivatives
- Yes↗
- Exchange type
- Cex↗
- Legal entity
- Gemini Intergalactic EU Ltd↗
- Headquarters
- Malta↗
- Founded
- 2014↗
- Support channels
- Email, Help-centre, Community
- Features
- Custodial, Self-custody, Staking
- Official website
- gemini.com
Crypto wallets
- Wallet type
- Browser↗
- Price
- $0↗
- Custody
- Self custody↗
- Coins supported
- 76↗
- Secure element
- No secure element; passkey-based smart wallet signing on-device↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataXLinkedIngemini.com
Pros and cons
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 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
Fees and currency costs
Trading runs on the ActiveTrader fee schedule, where takers pay 0.8% and makers pay 0.4% on each trade. Plan for the exit cost as well as the entry one.
How Gemini compares
9.0 vs 9.5
Gemini vs Binance P2P9.0 vs 9.3
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.5
Gemini vs ActivTrades9.0 vs 9.4
9.0 vs 8.7
Gemini vs eToro9.0 vs 9.2eToro charges 1% on the taker fee, so it is the direct price comparison for anyone focused on cost.
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 9.0
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
Gemini vs MEXC9.0 vs 9.4
9.0 vs 9.4
Gemini vs Bitget (Trading Bots)9.0 vs 9.3
Gemini vs Independent Reserve9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
Gemini vs kraken9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.5
9.0 vs 8.4- 9.0 vs 8.0
Where Gemini is available
- Available
- Argentina, Australia, Austria, Bahamas, Belgium, Bermuda, Bhutan, Brazil, Bulgaria, Cayman Islands, Chile, Croatia, Cyprus, Czechia, Denmark, Egypt, El Salvador, Estonia, Finland, France, Germany, Greece, Guernsey, Hong Kong, Hungary, India, Ireland, Israel, Italy, Jersey, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Myanmar, Netherlands, New Zealand, Nigeria, Panama, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saint Lucia, Saint Vincent and the Grenadines, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, United States, Uruguay, Vietnam, Virgin Islands, British, Virgin Islands, U.S.
- Licence in United States
- NMLS (US state money transmitter licensing) (2403509), checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (MFSA) (MiCA CASP 2138002QAMX8PPKSO715), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
How do I pay money into Gemini?+
Fiat deposits run by card, bank and ach, so a card, a bank transfer or ACH are the routes listed. The transfer fee schedule sets out what each route costs on the way in, which is where to check the entry charge before funding the account.
Does Gemini have a wallet, and who holds the keys?+
Yes, and it is browser based. The wallet signs on-device with passkeys and there is no secure element, so security rests on the passkey signing rather than a hardware chip. It supports 76 coins and costs $0 to use.
Which coins can I trade, and are derivatives offered?+
The exchange lists 76 coins, and the self-custody wallet supports 76 of them. Derivatives are offered, and the feature set covers custodial, self custody and staking, so the split between platform custody and self-custody is set within the same product.
Can I earn on coins held at Gemini?+
Staking is listed in the feature set at custodial, self custody and staking, so it sits alongside the custodial and self-custody options rather than standing as a separate account. It runs through the same exchange and wallet, and the account itself costs $0.
Sources
- coingecko.com/en/exchanges/gemini checked September 26, 2026
Backs: Coins listed, Founded, Coins supported
“id=gemini; coins=76; pairs=83”
- defillama.com/cex/gemini checked September 26, 2026
Backs: Proof of reserves
“slug=gemini; category=CEX; tvl=5624531269.208917”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=MT”
- gemini.com/fees checked September 26, 2026
Backs: Exchange type, Price, Regulators
“Gemini offers a variety of fee schedules depending on product & usage level ... ActiveTrader Fee Schedule ... Gemini Mode Fees”
- gemini.com/fees/activetrader-fee-schedule checked September 26, 2026
Backs: Maker fee, Taker fee
“ActiveTrader Fee Schedule ... Spot ... $10K $1M 0.400% 0.800% (entry tier, trailing 30-day volume)”
- gemini.com/fees/transfer-fee-schedule checked September 26, 2026
Backs: Fiat deposit methods, Withdrawal fee
“Fiat Deposit Fees: ACH Free; Wire Transfer Free; Debit Card 3.49% of total purchase amount; PayPal 2.50% of total deposit amount”
- gemini.com/perpetuals checked September 26, 2026
Backs: Derivatives
“Gain exposure to crypto with perpetual contracts ... Gemini Perpetuals is available in select jurisdictions globally.”
- gemini.com/staking checked September 26, 2026
Backs: Features
“Gemini manages staking operations and reward distribution for you, so no technical setup required (staking, ETH/SOL/MON); site also offers Exchange, Custody and Wallet products”
- gemini.com/wallet checked September 26, 2026
Backs: Custody, Secure element, Wallet type
“A self-custody wallet that brings flexibility, ease of use, and powerful security onchain.”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.