Gemini review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Licensed buyers in the US and Malta who want custody, staking and derivatives together.
- 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
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataXLinkedIngemini.com
Pros and cons
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.
- Operating since 2014 with the listed headquarters in Malta.
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 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.
How Gemini compares
9.0 vs 9.5- Gemini vs Binance Australia9.0 vs 9.3
Gemini vs Binance P2P9.0 vs 9.2
Gemini vs ActivTrades9.0 vs 9.7A taker fee of 0% against Gemini's 0.8%, for traders focused purely on execution cost.
9.0 vs 9.4
Gemini vs eToro9.0 vs 9.6
Gemini vs eToro9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
Gemini vs coinhouse9.0 vs 8.9
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 8.2
9.0 vs 9.7
Gemini vs Robinhood9.0 vs 9.4
Gemini vs Independent Reserve9.0 vs 9.3
Gemini vs kraken9.0 vs 9.2
9.0 vs 9.2- 9.0 vs 9.2
9.0 vs 9.1
Gemini vs Bitget (Trading Bots)9.0 vs 9.0
9.0 vs 8.7
Gemini vs MEXC9.0 vs 8.6
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
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.
How do I deposit money, and what do withdrawals cost?+
Fiat deposits run through card, bank and ach, so card, bank and ACH transfers are all possible. Outbound costs are not flat: crypto withdrawal fees follow current network and gas costs, and a USD wire out or a transfer from custody to the exchange carries its own charge. Route choice changes the bill.
Who holds my coins on Gemini?+
Gemini runs as a central exchange, cex, and offers custodial, self custody and staking account types, so funds can sit in platform custody or under self-custody. Staking is available on the same platform. Custodial balances suit buyers who want less key management, self-custody suits those who want control of the keys.
How many coins can I trade on Gemini?+
Gemini lists 76 coins, which places it at 83 of 172 on the tracked listings table. The median across those brands is 62, while the upper quartile reaches 344.5. Buyers chasing long-tail pairs find more depth elsewhere.
Can I stake or trade derivatives on Gemini?+
Yes to both. Staking is listed among the platform's features in custodial, self custody and staking, and derivatives trading is available alongside spot. That keeps yield and leveraged exposure on the same venue as the spot order book, which matters if assets are held long term and traded short term.
How do I contact Gemini support?+
Support runs on email, help centre and community. There is no phone line and no live chat in that list, which matters if a card is stuck or a wire has not landed. Email and the help centre are the practical routes, and the community channel covers background questions.
Who is Gemini built for?+
Gemini was founded in 2014 and its listed headquarters country is MT, with the EU entity trading as Gemini Intergalactic EU Ltd. Buyers who want a licensed custodian with card, bank and ACH funding fit the profile, as do people who want staking and derivatives without moving funds elsewhere for either.
Sources
- coingecko.com/en/exchanges/gemini checked September 26, 2026
Backs: Coins listed, Founded
“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, 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”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Gemini
Licensed buyers in the US and Malta who want custody, staking and derivatives together.