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Updated October 17, 2026 · HodlCue Editorial Team

Gemini vs XTB

Gemini scores 9.0 and XTB 9.5 out of 10. Compare their differences and shared features below.
Gemini

Gemini

9.0/10
Visit
XTB

XTB

Higher score in this comparison

9.5/10
Visit

Gemini vs XTB: the differences

Gemini vs XTB
CompareGeminiGeminiReviewVisitVisitXTBXTBReviewVisitVisit
Taker fee0.8%0%Lower
Coins listed76Higher45
RegulatorsNMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA)Cyprus Securities and Exchange Commission (CySEC)
Fiat deposit methodsCard, Bank, ACHCovers moreBank
Maker fee0.4%0%Lower
Withdrawal feeCrypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125Free above 100 USD/EUR
Proof of reservesYesNot confirmed

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

  • XTB scores higher overall: 9.5 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).
  • Gemini 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 Community.
  • Support channels: only XTB offers Chat, Phone.

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

XTB

XTB provides access to FX, indices, shares, commodities and crypto through an app based trading platform with market research and education. For investors who want many CFD and securities markets in one place with manager support, it offers a focused trading home.

Read the full XTB review

Score breakdown

Gemini vs XTB
AreaGeminiXTB
Cost8.3Taker fees of 0.8% and maker fees of 0.4% on ActiveTrader run above the 0.2% median for tracked exchanges.9.2Higher
Offer9.4The platform combines custodial, self custody and staking accounts with derivatives trading on the same venue.9.9Higher
Trust9.3Not confirmed

Which one suits you

Pick Gemini if coins listed and fiat deposit methods matter most.

Pick XTB if cost, offer, taker fee, and maker fee matter most.

Side by side, item by item

Gemini vs XTB
Fiat deposit methodsGeminiXTB
CardYesNo
BankYesYes
ACHYesNo

Where these facts come from

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: 9 facts, checked September 26, 2026
  • esma.europa.eu: 3 facts, checked September 26, 2026

How they place

Gemini vs XTB
RankingGeminiXTB
Crypto futures exchanges4 of 782 of 78

Every fact side by side

Gemini vs XTB
FactGeminiXTB
FeaturesCustodial, Self custody, StakingCovers moreCustodial
Legal entityGemini Intergalactic EU LtdXTB Limited
HeadquartersMaltaCyprus
Founded2014Not confirmed
Support channelsEmail, Help centre, CommunityEmail, Chat, Phone, Help centre

Where each stands against the rest

Gemini vs XTB
FactGeminiXTBMedian
Taker fee0.8%highest quarter0%lowest quarter0.15%
Coins listed76at the median45below the median76
Maker fee0.4%highest quarter0%below the median0.1%

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.

XTB

Pros

  • Access to more than 2100 markets across FX, indices, shares and commodities
  • More than 2700 instruments plus thousands of CFD opportunities in one app
  • Built in news alerts, courses and research tools support market decisions

Cons

  • Focus stays on FX and CFD trading rather than wider everyday banking
  • Choice is structured around three account types with manager support

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.

XTB

Who it suits

  • Traders interested in FX, indices and shares
  • Investors wanting crypto alongside traditional markets
  • Learners valuing courses and market research tools

Who should look elsewhere

  • People seeking everyday banking services

Country by country

Gemini vs XTB
CountryGeminiXTB
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.

XTB

What markets does XTB cover?+

XTB covers FX, indices, shares, commodities and crypto through its trading platform. The range includes more than 2100 financial markets and thousands of CFD instruments. Securities from the EU and USA sit within the wider selection.

Who is XTB suited for?+

XTB suits people interested in FX and CFD trading across global markets. It also suits investors who want crypto assets held alongside other investments. Learners who value courses and research tools may find the approach helpful.

Other options to compare

Gemini

Visit

XTB

Visit