Gemini Review (2026)
In-depth review of Gemini, covering fees, features, security, and who it's best for.
Best for
US users prioritizing regulation and institutional trust.
Pros
- Fully regulated NY-trust company
- Strong insurance coverage on digital and fiat
- Gemini ActiveTrader has competitive fees
- Earn and Custody products for long-term holders
Cons
- Standard trading fees are high
- Smaller altcoin list than competitors
- Earn program had withdrawal issues in 2022 (resolved)
Fees explained
Gemini charges a 0.2% maker fee and 0.4% taker fee on spot trades. These are standard tier fees — most exchanges reduce fees as your 30-day trading volume grows, and holding the exchange's native token often unlocks additional discounts.
Who should use Gemini?
Gemini is a strong choice if you're us users prioritizing regulation and institutional trust. It's available to US residents in most states.
How to sign up
- Click the sign-up link above to open Gemini (our link includes a signup bonus).
- Enter your email, choose a strong password, and verify your email address.
- Complete identity verification (KYC). This typically takes 5–15 minutes.
- Deposit crypto or fiat (minimum: $0), and you're ready to trade.
Security at Gemini
Gemini has been operating since 2014, which is 12 years of market history. Longevity matters in crypto — the exchanges that survived the 2018 bear market, the 2022 FTX contagion, and multiple regulatory cycles tend to be the more conservative operators. Standard security features you should enable on any exchange account, including this one, are two-factor authentication (use an authenticator app, not SMS), withdrawal whitelisting, and anti-phishing codes where supported. Don't reuse passwords, and never share your seed phrase or API keys.
If you're holding more than a few hundred dollars worth of crypto you're not actively trading, move it off the exchange into a hardware wallet. This applies to every exchange, no matter how reputable.
Industry-standard hardware wallet. Keeps your private keys offline — safe from exchange hacks and phishing.
Shop Ledger wallets →Trading products available
Gemini supports 90 spot trading pairs and no leveraged products. Staking is available, letting you earn yield on supported proof-of-stake assets without unstaking or complex setup.
Deposits and withdrawals
Minimum deposit on Gemini is $0. Most users fund their account via bank transfer (ACH/SEPA), wire transfer, debit card, or crypto deposit from another wallet. Withdrawal times depend on the network — Bitcoin and Ethereum typically confirm within an hour, while Solana, Polygon, and Arbitrum are near- instant. Always double-check the network you're sending on — sending BTC to an ETH address, for example, results in permanent loss of funds.
Who should skip Gemini?
Gemini isn't the right fit for everyone. If you trade high volume, the 0.4% taker fee adds up — you'll save money on a lower-fee exchange. Beyond those cases, it's a solid option for the use case it's built for.
Final verdict
Gemini earns a 4.1/5 rating from us. It's especially strong for us users prioritizing regulation and institutional trust, and the 0.2% maker fee is on the higher end for its category. Combined with US availability and 12 years of operating history, it's a reasonable choice for the right user. As always, don't keep more on any exchange than you're prepared to actively trade.