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Updated September 29, 2026 · HodlCue Editorial Team

Gemini vs Wirex

Gemini scores 9.0 and Wirex 9.2 out of 10. Compare their differences and shared features below.
Gemini

Gemini

9.0/10
Visit
Wirex

Wirex

Higher score in this comparison

9.2/10
Visit

Where Gemini and Wirex differ

Gemini vs Wirex
CompareGeminiGeminiReviewVisitVisitWirexWirexReviewVisitVisit
Taker fee0.8%Lower1.5% to 2.5%
Coins listed76Higher35
RegulatorsNMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA)FCA
Fiat deposit methodsCard, Bank, ACHCovers moreCard, Bank
Withdrawal feeCrypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125Only gas fees
Maker fee0.4%Not confirmed
Proof of reservesYesNot confirmed
DerivativesYesNot confirmed

Same on both: 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

  • Wirex scores higher overall: 9.2 vs 9.0.
  • Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
  • Regulators: only Wirex offers FCA.
  • Gemini is licensed in 1 more country.
  • Gemini is available in 64 more countries.
  • Taker fee is lower at Gemini: 0.8% vs 1.5% to 2.5%.
  • Coins listed is higher at Gemini: 76 vs 35.
  • Fiat deposit methods: only Gemini offers ACH.
  • Support channels: only Gemini offers Email, Community.
  • Support channels: only Wirex offers Chat.

Our verdict on each

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

Wirex

Wirex suits people who want one balance for crypto and everyday spending, with a monthly fee of $0, a conversion fee of 0% and an FCA licence in the UK. Budget for trading fees of 1.5% to 2.5%, and know your holdings sit with Wirex rather than in your own wallet.

Read the full Wirex review

Score breakdown

Gemini vs Wirex
AreaGeminiWirex
Cost8.3Taker fees of 0.8% and maker fees of 0.4% on ActiveTrader run above the 0.2% median for tracked exchanges.9.4HigherMonthly fee of $0 and a conversion fee of 0% keep everyday card running costs low, though trading fees run 1.5% to 2.5%.
Offer9.4The platform combines custodial, self custody and staking accounts with derivatives trading on the same venue.9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set.
Trust9.3Higher8.7

Positions in our rankings

Gemini vs Wirex
RankingGeminiWirex
Crypto exchanges2 of 29715 of 297
Where to buy crypto3 of 17710 of 177

What it costs in practice

Buy 1,000 of crypto and sell it again

Gemini

16

0.8% of 2,000

Wirex

30 to 50

1.5% to 2.5% of 2,000

Gemini 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.

Where each is licensed and available

Gemini vs Wirex
CountryGeminiWirex
Malta
Malta Financial Services Authority (MFSA) MiCA CASP 2138002QAMX8PPKSO715
Not confirmed
United KingdomNot confirmed
FCA 902025
United StatesNot confirmed

Available in 1 country for both. Additional countries for Gemini: 64.

Also worth a look

eToro has coins listed at 150, against 76 for Gemini and 35 for Wirex.

eToro review

Every fact side by side

Gemini vs Wirex
FactGeminiWirex
FeaturesCustodial, Self custody, StakingCrypto, Custodial, Multi currency, Travel, Virtual card
Legal entityGemini Intergalactic EU LtdWirex Limited
HeadquartersMaltaUnited Kingdom
Founded20142014
Support channelsEmail, Help centre, CommunityChat, Help centre

Crypto wallets

Gemini vs Wirex
FactGeminiWirex
CustodyNot confirmedCustodial

Where each stands against the rest

Gemini vs Wirex
FactGeminiWirexMedian
Taker fee0.8%highest quarter1.5% to 2.5%highest quarter0.15%
Coins listed76at the median35below the median76
Maker fee0.4%highest quarterNot confirmed0.1%

Median across 219 listed providers.

Pros and cons

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.

Wirex

Pros

  • No monthly fee, with the card ranking top of the field on that measure in 379 brands
  • Currency conversion at 0%, first for that measure across 237 brands
  • Covered by an FCA licence, reference 902025

Cons

  • Trading fees of 1.5% to 2.5% sit well above the site median of 0.2%
  • Coins covered, 35, trail the site median of 62
  • Support runs on chat and help centre only, with no phone line

Who each suits

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.

Wirex

Who it suits

  • People who want crypto spending and card payments from one balance
  • Travellers who convert and withdraw often, given the conversion fee of 0% and free ATM withdrawals of $400
  • UK residents who want a regulated crypto debit card under an FCA licence

Who should look elsewhere

  • Frequent traders, since fees of 1.5% to 2.5% sit far above the site median of 0.2%; Monzo Flex and Wise charge nothing monthly but carry no trading fees
  • Coin collectors, as 35 covers fewer coins than the site median of 62
  • Anyone wanting to hold keys themselves, since custody is custodial; Bitpanda also holds assets, so a self-custody wallet suits better

Current offers

Wirex

Current offer

  • Bonus

    Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback

    Earnings subject to eligibility

    Source, checked September 26, 2026

Country by country

Gemini vs Wirex
CountryGeminiWirex
ArgentinaYesNo
AustraliaYesNo
AustriaYesNo
BahamasYesNo
BelgiumYesNo
BermudaYesNo
BhutanYesNo
BrazilYesNo

8 of 65 countries where either is available.

Questions about each

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.

Wirex

What does it cost to hold a Wirex card?+

The monthly fee is $0, so the card costs nothing to keep. Wirex places first of 379 brands on that measure. Converting currency is charged at 0%, and the real cost for traders is the trading fee of 1.5% to 2.5%.

What are Wirex trading fees?+

Trading fees run 1.5% to 2.5% on the exchange side of Wirex. That sits well above the site median of 0.2% and above the upper end of 0.8%. Buying and selling often will cost more here than on lower-fee venues.

Other options to compare

Gemini

Visit

Wirex

Visit