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Updated September 29, 2026 · HodlCue Editorial Team

eToro vs Gemini

eToro scores 9.6 and Gemini 9.0 out of 10. Compare their differences and shared features below.
eToro

eToro

Higher score in this comparison

9.6/10
Visit
Gemini

Gemini

9.0/10
Visit

Where eToro and Gemini differ

eToro vs Gemini
CompareeToroeToroReviewVisitVisitGeminiGeminiReviewVisitVisit
Taker fee1%0.8%Lower
Coins listed150Higher76
RegulatorsCyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC)NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA)
Fiat deposit methodsCard, BankCard, Bank, ACHCovers more
Maker fee1%0.4%Lower
Withdrawal fee$5Crypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125
Proof of reservesNot confirmedYes

Same on both: Derivatives (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

  • eToro scores higher overall: 9.6 vs 9.0.
  • Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC).
  • Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
  • Taker fee is lower at Gemini: 0.8% vs 1%.
  • Maker fee is lower at Gemini: 0.4% vs 1%.
  • Coins listed is higher at eToro: 150 vs 76.
  • Fiat deposit methods: only Gemini offers ACH.
  • Features: only eToro offers Multi currency, Crypto, Travel.
  • Features: only Gemini offers Custodial, Self custody, Staking.

Our verdict on each

eToro

eToro suits travellers and crypto spenders who want a Visa debit card for everyday spending alongside investing. Monthly fee is €0 with currency conversion at 0% and ATM allowance of €2,500 to €12,000 plus cashback at 4% and support through help centre, chat and phone.

Read the full eToro 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

eToro vs Gemini
AreaeToroGemini
Cost9.3HigherWithdrawal fee is $5 alongside card spending costs.8.3Taker fees of 0.8% and maker fees of 0.4% on ActiveTrader run above the 0.2% median for tracked exchanges.
Offer9.5HigherAccess to 150 crypto assets for trading and card funding.9.4The platform combines custodial, self custody and staking accounts with derivatives trading on the same venue.
Trust9.9HigherOversight from Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA) and Australian Securities and Investments Commission (ASIC) across regions.9.3

Where they rank in our lists

eToro vs Gemini
RankingeToroGemini
Crypto exchanges1 of 2972 of 297
Crypto futures exchanges3 of 784 of 78
Where to buy crypto1 of 1773 of 177

Availability and regulation

eToro vs Gemini
CountryeToroGemini
United States
SIPC SIPC member 70212
CyprusNot confirmed
MaltaNot confirmed
Malta Financial Services Authority (MFSA) MiCA CASP 2138002QAMX8PPKSO715

Choosing between them

Pick eToro if trust and coins listed matter most.

Pick Gemini if taker fee, fiat deposit methods, and maker fee matter most.

What each covers

eToro vs Gemini
Fiat deposit methodseToroGemini
CardYesYes
BankYesYes
ACHNoYes

Where these facts come from

eToro

  • etoro.com: 8 facts, checked September 28, 2026
  • esma.europa.eu: 1 fact, checked September 28, 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

eToro vs Gemini
FacteToroGemini
FeaturesMulti currency, Crypto, TravelCustodial, Self custody, Staking
Legal entityNot confirmedGemini Intergalactic EU Ltd
HeadquartersNot confirmedMalta
FoundedNot confirmed2014
Support channelsNot confirmedEmail, Help centre, Community

Where each stands against the rest

eToro vs Gemini
FacteToroGeminiMedian
Taker fee1%highest quarter0.8%highest quarter0.15%
Coins listed150above the median76at the median76
Maker fee1%highest quarter0.4%highest quarter0.1%

Median across 219 listed providers.

Pros and cons

eToro

Pros

  • Card upkeep with monthly fee at €0 and Visa acceptance for everyday spending.
  • Currency conversion at 0% with balances across 4 for travel use.
  • Cashback at 4% on debit spending with functions covering multi currency, crypto and travel.

Cons

  • Trading taker fee is 1%, above the site median of 0.25% for frequent traders.
  • Broker withdrawals carry a charge of $5, which adds cost for moving funds off the platform.

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

eToro

Who it suits

  • Travellers choosing eToro over bunq for conversion at 0% rather than 0.5% to 3%.
  • Cash users choosing eToro over Kraken for ATM allowance of €2,500 to €12,000 rather than €0.

Who should look elsewhere

  • Traders focused on low dealing costs rather than card perks, who may prefer Kraken given eToro taker fee of 1%.
  • Euro spenders wanting a different card fee mix, who may prefer Bit2Me given its conversion at 0.95%.

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.

Country by country

eToro vs Gemini
CountryeToroGemini
ArgentinaNoYes
AustraliaNoYes
AustriaNoYes
BahamasNoYes
BelgiumNoYes
BermudaNoYes
BhutanNoYes
BrazilNoYes

8 of 65 countries where either is available.

Questions about each

eToro

Does the eToro card charge a monthly fee?+

The card account lists a monthly fee of €0, so there is no fixed upkeep for holding the card. Day to day spending, travel use and multi currency balances sit under that structure, while brokerage trading and withdrawals follow separate charges.

What is the currency conversion fee for card use?+

Card currency conversion is listed at 0%, which keeps cross border purchases and travel spending clear of added conversion charges. Balances across 4 help manage spending abroad, while brokerage activity remains subject to its own trading terms.

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

eToro

Visit

Gemini

Visit