Gemini fees
- Our rating
- 4.4
- Headline
- 0.5% + flat fee on easy buys
- Review updated
- 2026-08-23
Instant buys carry a convenience fee of about 0.5% plus a flat transaction fee. ActiveTrader uses volume-tiered maker and taker pricing that is far cheaper for anything beyond small orders.
Fee schedule
- maker
- Volume-tiered on ActiveTrader, falling with 30-day volume
- taker
- Volume-tiered on ActiveTrader, falling with 30-day volume
- spread note
- Instant buys on web and mobile include a convenience fee of roughly 0.5% plus a flat transaction fee; use ActiveTrader for the published maker and taker rates.
- deposit note
- ACH deposits are free; debit card, Apple Pay, Google Pay, and PayPal deposits carry processing fees.
- withdrawal note
- Bitcoin withdrawals carry a network-based fee; fiat withdrawals by ACH are free, wires vary by bank.
What it costs to use Gemini
| What you do | What it costs |
|---|---|
| Buy bitcoin on the ActiveTrader order book | 0.6% maker and 1.2% taker at the entry tier, falling with 30 day volumeAbove $10,000 of 30 day volume it drops to 0.4% and 0.8%, and above $1,000,000 to 0.05% and 0.1%. You pay the taker rate when your order fills against one already on the book, which is what a market order does. |
| Buy bitcoin on the default Gemini screen | No fixed rate is published; the fee is shown on the trade review screenGemini's fee page says the fee is calculated when you place the order and is subject to factors including payment method, order size, market conditions, jurisdiction and asset, and that you can view it on the trade review screen before confirming. ActiveTrader is the interface with a published schedule, so switch to it, or read the number on the review screen before you confirm. |
| Buy bitcoin with a debit card | 3.49% of the total purchase amountGemini publishes this separately from its trading fee schedules. On a $500 buy that is $17.45. |
| Fund the account with PayPal | 2.50% of the total deposit amount |
| Fund the account by bank transfer | Free by ACH and free by wire |
| Withdraw dollars to your bank | Free by ACH, $25 by USD wire |
| Withdraw bitcoin to your own wallet | A dynamic network fee, shown before you confirm; no fixed Gemini fee is publishedThe schedule says dynamic withdrawal fees cover network fees paid to miners, are determined by the then current network fee for the asset, are displayed prior to the initiation of your withdrawal, and change often. |
What the rails themselves cost
The scheme or the bank sets these, not Gemini. The 6 rails Gemini offers in the most countries we rank it in.
- ACH transfer
- There is no scheme charge to you directly and US banks generally do not charge personal customers for a standard ACH debit or credit, though a bank may price same day origination separately.
- Wire transfer
- The sending bank charges a flat fee, the receiving bank often charges a second one, and intermediary banks can take more out of a cross border payment, which is why US providers must disclose the total cost and exchange rate before you send.
- Credit or debit card
- The networks bill the merchant rather than you, but many issuers class a crypto purchase as a cash advance, and the CFPB notes that interest on a cash advance generally starts from the transaction date with no grace period.
- Apple Pay
- Apple states that it charges no fee when you pay with Apple Pay in stores, online or in apps, so your cost is whatever the underlying card costs, including any cash advance treatment by the issuer.
- Google Pay
- Google says it does not charge a monetary fee to use a virtual card, so you pay only what the underlying card costs, which for a crypto purchase may include cash advance treatment by your issuer.
- PayPal
- PayPal's US schedule charges no fee for a domestic payment funded from your PayPal balance or a linked bank account, 2.90% plus a 0.30 USD fixed fee when a debit or credit card funds a personal payment, and a 3.00% to 4.00% spread whenever currency is converted.
How Gemini compares
The headline fee line from each alternative's review. Headlines hide spreads and funding fees, so open the full schedule before choosing.
| Exchange | Rating | Fees | ID check | Fee guide |
|---|---|---|---|---|
| Gemini | 4.4 | 0.5% + flat fee on easy buys | Required | |
| Coinbase | 4.5 | Maker-taker on Advanced Trade | Required | Fee guide |
| Kraken | 4.7 | From 0.25% maker, 0.40% taker | Required | Fee guide |
| River | 4.6 | Free recurring, 1.2% one-off | Required | Fee guide |
| Swan Bitcoin | 4.4 | About 0.99% per purchase | Required | Fee guide |
Compared: Coinbase, Kraken, River and Swan Bitcoin, the alternatives our Gemini review names.
Frequently asked questions
What are Gemini's trading fees?
Instant buys carry a convenience fee of about 0.5% plus a flat transaction fee. ActiveTrader uses volume-tiered maker and taker pricing that is far cheaper for anything beyond small orders.
Does Gemini charge deposit fees?
ACH deposits are free; debit card, Apple Pay, Google Pay, and PayPal deposits carry processing fees.
What does Gemini charge to withdraw bitcoin?
Bitcoin withdrawals carry a network-based fee; fiat withdrawals by ACH are free, wires vary by bank.
Is there a spread on Gemini?
Instant buys on web and mobile include a convenience fee of roughly 0.5% plus a flat transaction fee; use ActiveTrader for the published maker and taker rates.
How do Gemini's fees compare with its alternatives?
Headline fee lines, from each review: Coinbase, Maker-taker on Advanced Trade; Kraken, From 0.25% maker, 0.40% taker; River, Free recurring, 1.2% one-off; Swan Bitcoin, About 0.99% per purchase. Gemini's own line is 0.5% + flat fee on easy buys. A headline hides the spread and the funding fee, so compare the full schedules before choosing.