Updated September 29, 2026 · SumCue Editorial Team
Gemini vs XTB
Gemini
XTB
Higher score in this comparison
What sets them apart
| Compare | GeminiReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Taker fee | 0.8% | 0%Lower |
| Coins listed | 76Higher | 45 |
| Regulators | NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Fiat deposit methods | Card, Bank, ACHCovers more | Bank |
| Maker fee | 0.4% | 0%Lower |
| 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 | Free above 100 USD/EUR |
| Proof of reserves | Yes | Not confirmed |
Same on both: Derivatives (Yes), Exchange type (Cex).
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Key differences
- XTB scores higher overall: 9.3 vs 9.0.
- Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2014.
- XTB is licensed in 1 more country.
- Taker fee is lower at XTB: 0% vs 0.8%.
- Maker fee is lower at XTB: 0% vs 0.4%.
- Coins listed is higher at Gemini: 76 vs 45.
- Fiat deposit methods: only Gemini offers Card, ACH.
- Support channels: only Gemini offers Help centre, Community.
Our verdict on each
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.
XTB
XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.
Score breakdown
| Area | Gemini | XTB |
|---|---|---|
| Cost | 8.3Taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here. | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 9.3HigherProof of reserves is published, derivatives are offered, and the feature set covers custodial, self custody and staking. | 9.2 |
| Trust | 9.3 | 9.5Higher |
Feature by feature
| Fiat deposit methods | Gemini | XTB |
|---|---|---|
| Card | Yes | No |
| Bank | Yes | Yes |
| ACH | Yes | No |
Where each is licensed and available
| Country | Gemini | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 2138002QAMX8PPKSO715 | Not confirmed |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
Sources behind this comparison
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
XTB
- xtb.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- hello-brokers.com: 2 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Gemini | XTB |
|---|---|---|
| Crypto | 4 of 428 | 2 of 428 |
Every fact side by side
| Fact | Gemini | XTB |
|---|---|---|
| Features | Custodial, Self custody, Staking | Demo account, Mobile app, Crypto |
| Legal entity | Gemini Intergalactic EU Ltd | XTB Limited |
| Headquarters | Malta | Cyprus |
| Founded | 2014 | 2002Lower |
| Support channels | Email, Help centre, Community | Email, Chat, Phone |
Crypto wallets
| Fact | Gemini | XTB |
|---|---|---|
| Wallet type | Browser | Not confirmed |
| Price | $0 | Not confirmed |
| Custody | Self custody | Not confirmed |
| Coins supported | 76 | Not confirmed |
| Secure element | No secure element; passkey-based smart wallet signing on-device | Not confirmed |
Savings
| Fact | Gemini | XTB |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Pricing model | Not confirmed | Commission free, Low fees |
| Access terms | Not confirmed | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Credit cards
| Fact | Gemini | XTB |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
| Audience | Not confirmed | Beginners |
Where each stands against the rest
| Fact | Gemini | XTB | Median |
|---|---|---|---|
| Taker fee | 0.8%highest quarter | 0%lowest quarter | 0.15% |
| Coins listed | 76below the median | 45below the median | 89.5 |
| Maker fee | 0.4%highest quarter | 0%below the median | 0.1% |
Median across 222 listed providers.
Pros and cons
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
XTB
Pros
- The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
- The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
- Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.
Cons
- The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
- A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
- Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.
Who each suits
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
XTB
Who it suits
- Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
- UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
- People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.
Who should look elsewhere
- Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
- Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
- Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.
Country by country
| Country | Gemini | XTB |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Bahamas | Yes | No |
| Belgium | Yes | No |
| Bermuda | Yes | No |
| Bhutan | Yes | No |
| Brazil | Yes | No |
8 of 65 countries where either is available.
Questions about each
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.
XTB
What does it cost to hold an XTB account?+
The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.
How much does it cost to buy shares on XTB?+
The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.
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