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Updated September 29, 2026 · HodlCue Editorial Team

CoinJar vs Gemini

CoinJar scores 8.8 and Gemini 9.0 out of 10. Compare their differences and shared features below.
CoinJar

CoinJar

8.8/10
Visit
Gemini

Gemini

Higher score in this comparison

9.0/10
Visit

CoinJar vs Gemini: the differences

CoinJar vs Gemini
CompareCoinJarCoinJarReviewVisitVisitGeminiGeminiReviewVisitVisit
Taker fee0.1%Lower0.8%
Coins listed4576Higher
RegulatorsCentral Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI)NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA)
Fiat deposit methodsCard, Bank, SEPA, Apple payCard, Bank, ACH
Maker fee0.1%Lower0.4%
Withdrawal feeDynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawalsCrypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125
DerivativesNot confirmedYes

Same on both: Proof of reserves (Yes), Exchange type (Cex).

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.

Key differences

  • Gemini scores higher overall: 9.0 vs 8.8.
  • Regulators: only CoinJar offers Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US).
  • Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
  • Founded is lower at CoinJar: 2013 vs 2014.
  • CoinJar is licensed in 1 more country.
  • Gemini is available in 60 more countries.
  • Taker fee is lower at CoinJar: 0.1% vs 0.8%.
  • Maker fee is lower at CoinJar: 0.1% vs 0.4%.
  • Coins listed is higher at Gemini: 76 vs 45.
  • Fiat deposit methods: only CoinJar offers SEPA, Apple pay.

Our verdict on each

CoinJar

CoinJar is a custodial crypto exchange with a prepaid card, so it suits people who spend crypto as they go rather than trade heavily or hold their own keys. The card costs AUD 0 a month, trading costs 0.1% a trade and 45 coins are listed.

Read the full CoinJar review

Gemini

Gemini carries US and Malta licences and a regulated central exchange setup with card, bank and ACH funding. It suits buyers who want derivatives alongside spot and who can settle for a coin list of 76 rather than the widest range on HodlCue.

Read the full Gemini review

Score breakdown

CoinJar vs Gemini
AreaCoinJarGemini
Cost8.8HigherConversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%.8.3Taker fees of 0.8% and maker fees of 0.4% on ActiveTrader run above the 0.2% median for tracked exchanges.
Offer8.89.4HigherThe platform combines custodial, self custody and staking accounts with derivatives trading on the same venue.
Trust8.79.3Higher

Cost in a real example

Buy 1,000 of crypto and sell it again

CoinJar

2

0.1% of 2,000

Gemini

16

0.8% of 2,000

CoinJar comes out 14 lower in this example.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Choosing between them

Pick CoinJar if cost, taker fee, and maker fee matter most.

Pick Gemini if offer, trust, and coins listed matter most.

How they place

CoinJar vs Gemini
RankingCoinJarGemini
Crypto exchanges23 of 2972 of 297
Where to buy crypto15 of 1773 of 177

Every fact side by side

CoinJar vs Gemini
FactCoinJarGemini
FeaturesCrypto, CustodialCustodial, Self custody, Staking
Legal entityCoinJar Europe LimitedGemini Intergalactic EU Ltd
HeadquartersIrelandMalta
Founded2013Lower2014
Support channelsEmail, Help centreEmail, Help centre, CommunityCovers more

Crypto wallets

CoinJar vs Gemini
FactCoinJarGemini
Wallet typeMobileNot confirmed
Price€0Not confirmed
CustodyCustodialNot confirmed
Coins supported45Not confirmed

Where each stands against the rest

CoinJar vs Gemini
FactCoinJarGeminiMedian
Taker fee0.1%below the median0.8%highest quarter0.15%
Coins listed45below the median76at the median76
Maker fee0.1%at the median0.4%highest quarter0.1%

Median across 219 listed providers.

Pros and cons

CoinJar

Pros

  • Cashback of 1% on every card purchase
  • Trading costs 0.1% a trade, under the site median of 0.2%
  • Top-ups are free and card spend draws on the CoinJar balance

Cons

  • Conversion on card spend is 2.99%, above the site median of 1%
  • Only 45 coins are listed, against a site median of 62
  • Support runs on email and help centre only

Gemini

Pros

  • Regulated in the US and Malta, with NMLS (2403509) and MFSA (MiCA CASP 2138002QAMX8PPKSO715) references that can be checked.
  • Fiat deposits accept card, bank and ach, covering the card, bank and ACH routes most buyers use.
  • Proof of reserves is published, a practice shared by 79.4% of the exchanges tracked here.

Cons

  • Taker fees of 0.8% on ActiveTrader sit above the 0.2% median for tracked exchanges, and Gemini ranks 97 of 118 on that measure.
  • A coin list of 76 trails the 344.5 upper quartile across tracked exchanges, so deep long-tail trading stays limited.
  • Support runs on email, help centre and community only, and phone support is offered on just 44.7% of the brands tracked here.

Who each suits

CoinJar

Who it suits

  • People who want a crypto card with no monthly charge and cashback on spend
  • Businesses paying suppliers from a crypto balance, the audience CoinJar targets
  • Custodial beginners who would rather not hold their own keys

Who should look elsewhere

  • Wise, when a low conversion charge matters more than spending crypto
  • Bitpanda, for a euro-based crypto card at a monthly fee of €0
  • Monzo Flex, for everyday banking at a monthly fee of £0

Gemini

Who it suits

  • US and Malta residents who want a licensed custodian rather than a self-custody-only setup.
  • Traders who want staking and derivatives next to spot trading on the same platform.
  • Buyers who fund by card, bank or ACH and read a proof of reserves disclosure.

Who should look elsewhere

  • Bitpanda, which lists from 650 coins and suits buyers chasing a longer coin list.
  • bunq, which charges 0.25% to 1.99% as a taker fee and suits cost-first traders.

Current offers

CoinJar

Current offer

  • Bonus

    Free physical CoinJar Card: $0 card issuance (digital and physical)

    Card issuance fee is $0 for digital and physical CoinJar Card; a 1% purchase fee applies and is returned as CoinJar Rewards points; card available in Australia only

    Source, checked September 26, 2026

Country by country

CoinJar vs Gemini
CountryCoinJarGemini
ArgentinaNoYes
AustriaNoYes
BahamasNoYes
BelgiumNoYes
BermudaNoYes
BhutanNoYes
BrazilNoYes
BulgariaNoYes

8 of 65 countries where either is available.

Questions about each

CoinJar

How much does the CoinJar card cost to hold and to use?+

The card has a monthly fee of AUD 0, so keeping it open costs nothing. Currency conversion on card spend is 2.99%, and card spend earns cashback of 1%. Top-ups are free, and spend comes straight from your CoinJar balance.

What do trades cost on CoinJar?+

Taker fees are 0.1% and maker fees are 0.1%, so the gap between the two sides is small. The site median taker fee is 0.2%, which places CoinJar below the middle of the exchanges compared here.

Gemini

What does Gemini charge to trade?+

ActiveTrader pricing puts the taker fee at 0.8% and the maker fee at 0.4%. The taker rate sits above the 0.2% median for the exchanges tracked here, and Gemini ranks 97 of 118 on taker fee. Regular traders feel that more than occasional buyers.

Is Gemini regulated, and can the licences be checked?+

Yes. Gemini lists NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA) as its regulators. The US money transmitter licence is 2403509 and the Malta Financial Services Authority licence is MiCA CASP 2138002QAMX8PPKSO715, held by Gemini Intergalactic EU Ltd. The listed headquarters country is MT.

Other options to compare

CoinJar

Visit

Gemini

Visit