Gemini Fees Explained: Complete 2025 Guide

Gemini Fee Structure Overview

Gemini, founded by the Winklevoss twins, positions itself as a security-focused, regulated exchange. Trading fees are higher than competitors, but Gemini offers unique benefits like free withdrawals and strong US regulatory compliance.

What Sets Gemini Apart on Fees

My experience with Gemini:

• Higher trading fees - 0.20%/0.40% on ActiveTrader
• Free withdrawals - 10 free crypto withdrawals per month
• Strong regulation - SOC 2 certified, NY licensed
• Insurance - Digital asset insurance coverage
• Free bank deposits - ACH and wire incoming

Web vs Mobile vs ActiveTrader

Gemini has three interfaces with different fees:

Mobile/Web (Convenience):

• Transaction fee: 1.49%
• Plus spread markup
• For casual buyers

ActiveTrader (Trading):

• Maker: 0.20%
• Taker: 0.40%
• For serious traders

Always use ActiveTrader for the best rates.

ActiveTrader Fee Schedule

Volume-based fees on ActiveTrader:

30-Day Volume	Maker Fee	Taker Fee
$0 - $10K	0.20%	0.40%
$10K - $50K	0.15%	0.35%
$50K - $100K	0.10%	0.30%
$100K - $500K	0.075%	0.25%
$500K - $1M	0.05%	0.20%
$1M - $5M	0.025%	0.15%
$5M - $10M	0.00%	0.10%
$10M+	0.00%	0.05%

Higher fees than competitors at lower volumes, but approaches parity at scale.

Web/Mobile Fee Structure

For the simple interface:

Transaction Amount	Fee
≤ $10	$0.99
$10.01 - $25	$1.49
$25.01 - $50	$1.99
$50.01 - $200	$2.99
> $200	1.49%

Plus spread of ~0.5%. Expensive for regular trading.

Free Withdrawal Advantage

Gemini’s standout feature:

• 10 free crypto withdrawals per month
• Includes Bitcoin, Ethereum, all supported assets
• Free ACH USD withdrawals

For traders who frequently move assets, this can offset higher trading fees.

Example: 10 ETH withdrawals at ~$5 each elsewhere = $50 saved This equals trading ~$12,500 at the fee difference

Deposit Methods

Method	Fee	Time	Limit
ACH	Free	4-5 days	$25K/day
Wire	Free incoming	1-2 days	Unlimited
Debit Card	3.49%	Instant	$1K/day
Crypto	Free	Network	Unlimited

Free wire deposits make Gemini attractive for large transfers.

Withdrawal Costs

With free crypto withdrawals:

Asset	First 10/month	After 10
BTC	Free	Network fee
ETH	Free	Network fee
All crypto	Free	Network fee
USD (ACH)	Free	Free
USD (Wire)	$25	$25

The 10 free withdrawals reset monthly.

Gemini Earn

For Gemini Earn:

• Deposit: Free
• Interest: Full APY to user
• Withdrawal: Same as standard
• No platform fees

Note: Earn assets are lent out and carry counterparty risk.

Gemini Credit Card

The Gemini credit card offers:

• Cashback: Up to 3% in crypto
• Annual fee: $0
• Categories: 4% dining, 3% groceries, 2% gas, 1% other

Cashback can offset trading fees for regular spenders.

Fee Comparison

Exchange	Maker	Taker	Free Withdrawals
Gemini	0.20%	0.40%	Yes (10/mo)
Coinbase	0.40%	0.60%	No
Kraken	0.16%	0.26%	No
Binance	0.10%	0.10%	No

Higher trading fees, but withdrawal savings can compensate.

Gemini Dollar (GUSD)

Gemini’s stablecoin benefits:

• Minting: Free
• Redemption: Free
• Transfers: On Gemini, free

Good for USD on/off ramping within Gemini ecosystem.

How to Minimize Gemini Fees

My optimization strategies:

1. Use ActiveTrader always - Never web interface
2. Limit orders - 0.20% vs 0.40%
3. Leverage free withdrawals - Move assets out monthly
4. Deposit via ACH - Avoid 3.49% card fee
5. Use Gemini credit card - Earn back in crypto

Who Should Use Gemini?

Gemini works best for:

• Security-focused US traders - Best regulation
• Frequent withdrawers - 10 free per month
• Large depositors - Free wire transfers
• Credit card users - Crypto cashback
• Institutional traders - Compliance matters

Final Verdict

Gemini’s trading fees are higher than competitors, making it less ideal for active traders. However, the combination of strong security, free withdrawals, and regulatory compliance creates value for specific use cases.

For security-conscious US users who move assets frequently, Gemini’s free withdrawals can offset the higher trading fees. For active traders focused purely on cost, alternatives like Binance or Kraken offer better value.