Gemini Fees: A Full Breakdown and How To Reduce Costs

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Founded in 2014, Gemini is one of the earliest cryptocurrency exchanges. With $30 billion in trades annually, Gemini is poised to help bridge cryptocurrency adoption among financial institutions.

Why Are Investors Interested in Cryptocurrency and Exchanges like Gemini?

When Bitcoin was introduced as the first cryptocurrency, it was a stretch for many people to consider investing in digital money. Today, people all around the globe are investing in cryptocurrency as it becomes more accessible. Cryptocurrency brings new excitement to investing with thousands of options to choose from and values that fluctuate daily.

Some people are in the cryptocurrency game to make quick cash, while others are investing in hopes of long-term success. No matter what your reason for investing in cryptocurrency, centralized exchanges like Gemini make the process easier.

What Types of Fees Does Gemini Charge?

Gemini fees fall into five different categories:

  • Mobile fees
  • Web fees
  • Transfer fees
  • Custody fees
  • ActiveTrader fees

Schedule of Mobile or Web-Based Transaction Fees

Mobile Order Total Associated Fee
≤ $10.00 $0.99
> $10.00 but ≤ $25.00 $1.49
> $25.00 but ≤ $50.00 $1.99
> $50.00 but ≤ $200.00 $2.99
> $200.00 1.49% of the total

ActiveTrader Schedule of Fees

30-Day Trade Volume Taker Fee Maker Fee Auction Fee
$0.00 0.35% 0.25% 0.25%
≥ $500,000 0.25% 0.15% 0.20%
≥ $2.5 million 0.25% 0.15% 0.10%
≥ $5 million 0.15% 0.10% 0.10%
≥ $10 million 0.15% 0.10% 0.00%
≥ $15 million 0.10% 0.00% 0.00%
≥ $50 million 0.075% 0.00% 0.00%
≥ $100 million 0.05% 0.00% 0.00%
≥ $250 million 0.04% 0.00% 0.00%
≥ $500 million 0.03% 0.00% 0.00%

Building Wealth

Deposit and Withdrawal Fees

If you’re depositing money into your Gemini account, you can do so for free using cryptocurrencies, ACH, wire transfer or Gemini dollar. Transfers using a debit card cost 3.49% of the total transfer amount.

Gemini offers 10 complimentary withdrawals. After 11 or more withdrawals, you will be notified after each one and charged a fee, which is based on the individual value of that currency.

How To Pay Fewer Fees With Gemini

A traditional Gemini user account allows you to trade at the current exchange rate for each cryptocurrency. The best way to save money with Gemini is to upgrade to a free ActiveTrader account. You have to be online and active in order to make purchases or trades.

A Gemini ActiveTrader account lets you set price points for buying and selling. In addition to having a more streamlined interface, this feature allows you to buy, sell or trade when the pricing and timing are right for you.

Using an ActiveTrader account saves you money on fees because you’re charged less than if you were a traditional user. You can also save money by trading actively as the market fluctuates throughout the day. While this doesn’t save you on fees specifically, it can save you money over limiting your trades to the primary market.


Keep track of the fees you incur when buying and selling cryptocurrencies using Gemini. You can claim these fees on your taxes at the end of the year.

Understand the Fee Structure

Gemini is very transparent about its fee structuring. By studying and understanding Gemini’s fees, you can plan transfers, deposits, purchases and sales to limit the amount you pay in fees.

For example, instead of transferring money into your account using a debit card, you can use ACH or a wire transfer for free. You can also wait to make larger purchases or sales to take advantage of fees that are tiered out to reward larger amounts.

GOBankingRates’ Crypto Guides

Gemini FAQ

Here are the answers to some of the most frequently asked questions about Gemini.
  • What are taker fees?
    • Gemini charges taker fees when you make a crypto purchase that happens instantly.
  • What are maker fees?
    • Gemini charges maker fees when an individual or a business reserves a buy, also called a limit order. Makers are often individuals or businesses that make large purchases that they intend to sell. They're called "makers" because their large purchases help set the market's bar of success.
  • What are auction fees?
    • You may incur an auction charge if you make your crypto purchase during auction trading hours as listed on Gemini's auction schedule [8].

Building Wealth

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

About the Author

Katy Hebebrand is a freelance writer with eight years of experience in the financial industry. She earned her BA from the University of West Florida and her MA from Full Sail University. Since beginning to work full-time as a freelance writer three years ago, she has written on topics spanning many fields, including home building, families and parenting, legal and professional/corporate communications.

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