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United States

Gemini in the United States

Rank in the United States
#3 of 8
Bitcoin in the United States
Legal
Our rating
4.4
Review updated
2026-08-23

Yes. Gemini serves the United States and ranks third of the 8 exchanges in our the United States guide, on fees, security record and local payment support. Here it takes ACH transfer, Wire transfer, Debit card, Apple Pay, Google Pay and PayPal; ACH transfer is the rail local buyers lead with. Instant buys carry a convenience fee of about 0.5% plus a flat transaction fee. Identity verification is required to deposit fiat and trade.

Visit GeminiRead the full Gemini review
Rank in the United States
#3 of 8
Fees
0.5% + flat fee on easy buys
KYC
Required
Pays with in the United States
ACH transfer, Wire transfer, Debit card +3
Currency
United States dollar (USD)
Headquarters
New York, United States

How to pay on Gemini in the United States

The deposit rails Gemini offers to buyers in the United States, from our the United States guide reviewed 2026-08-23. Each one links to how that rail works here.

What Gemini charges, and what it asks for

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.

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.

Identity verification

Required. Identity verification is required to deposit fiat and trade.

7 costs by action, on the Gemini review

Gemini's security and regulatory record

10 dated events on our record since 2015, 6 of them breaches, enforcement actions, insolvencies or outages. Newest first.

  1. Enforcement

    New York AG sues Gemini over unlicensed prediction markets

  2. Licence

    Gemini closes its UK, EU and Australia businesses

  3. Resolved

    SEC drops its Gemini Earn lawsuit

  4. Enforcement

    CFTC fines Gemini $5 million over statements about a bitcoin futures contract

  5. Enforcement

    New York AG settlement returns $50 million and bans Gemini lending in the state

All 10 events with detail and sources, on the review

Gemini by state in the United States

51 state rows from our state guides. Each state opens the Gemini page for it: availability, the caveat where there is one, the source, and the rails it takes there. Every state compared.

Available51 states

Every exchange we rank in the United States

Ranked by our editorial review of fees, security record and local payment support. Rankings are never sold.

Bitcoin exchanges ranked in the United States by our editorial review of fees, security record and local payment support, with the payment methods each one offers here.
#ExchangeRatingFeesID checkPays with
1Coinbase4.5Maker-taker on Advanced TradeRequiredACH transfer, Wire transfer, Debit card, PayPal
2Kraken4.7From 0.25% maker, 0.40% takerRequiredACH transfer, Wire transfer, Debit card, Apple Pay, Google Pay, PayPal
3GeminiThis page4.40.5% + flat fee on easy buysRequiredACH transfer, Wire transfer, Debit card, Apple Pay, Google Pay, PayPal
4River4.6Free recurring, 1.2% one-offRequiredACH transfer, Wire transfer
5Swan Bitcoin4.4About 0.99% per purchaseRequiredACH transfer, Wire transfer
6Strike4.6Fee shown before you confirmRequiredACH transfer, Wire transfer, Debit card
7Binance.US3.90% maker, 0.02% takerRequiredACH transfer, Wire transfer
8CEX.IO4.0Maker-taker; card costs moreRequiredACH transfer, Debit card

Full comparison in the the United States guide

Frequently asked questions

Is Gemini available in the United States?

Yes. Gemini ranks third of the 8 exchanges in our the United States guide, ranked on fees, security record and local payment support. Here it takes ACH transfer, Wire transfer, Debit card, Apple Pay, Google Pay and PayPal; ACH transfer is the rail local buyers lead with. Our the United States guide was last reviewed 2026-08-23 and the Gemini review on 2026-08-23.

What payment methods does Gemini accept in the United States?

In the United States, Gemini takes ACH transfer, Wire transfer, Debit card, Apple Pay, Google Pay and PayPal. These are the localized rails from our the United States guide, not the platform's global list.

What does Gemini charge?

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 require identity verification?

Yes. Identity verification is required to deposit fiat and trade. Our record marks this as the platform's own policy rather than a the United States rule, so it applies wherever Gemini operates.

Is bitcoin legal in the United States?

Bitcoin is legal throughout the United States. Oversight is split among the SEC, the CFTC, FinCEN for anti-money-laundering, and state money transmission regulators, with New York's BitLicense the best-known state regime.

Has Gemini had security incidents or regulatory action?

Our record for Gemini lists 10 dated events since 2015: 1 insolvency event, 1 breach, 4 enforcement actions, 2 licences, 1 audit and 1 resolved case. The most recent, on 2026-04-21: New York AG sues Gemini over unlicensed prediction markets. Each event carries a source on the Gemini review.

Sources