Quick Summary
Gemini charges 0.60% maker / 1.20% taker on ActiveTrader at the starting tier—higher than both Coinbase Advanced and Kraken Pro. The standard mobile app is more expensive (~1.5%+). Big perk: 10 free withdrawals per month, which adds up fast with crypto's typically high withdrawal fees.
Gemini Trading Fees
Gemini has two trading interfaces with very different fee structures:
Mobile/Web App
The simple interface for quick buys. Convenient but expensive.
ActiveTrader ✓
The advanced platform. Much lower fees.
ActiveTrader Fee Tiers
Gemini ActiveTrader fees decrease with higher 30-day volume:
| Tier | Maker Fee | Taker Fee |
|---|---|---|
| Starting tier | 0.60% | 1.20% |
| Higher volume | Rates drop as 30-day volume rises | See Gemini's official fee schedule |
Mobile App Fee Schedule
The simple Gemini app charges based on order size:
| Order Amount | Transaction Fee | + Convenience Fee |
|---|---|---|
| $0 - $10 | $0.99 | ~1.49% |
| $10.01 - $25 | $1.49 | ~1.49% |
| $25.01 - $50 | $1.99 | ~1.49% |
| $50.01 - $200 | $2.99 | ~1.49% |
| $200+ | 1.49% | (included) |
Example: A $100 purchase on the mobile app costs $2.99 + ~$1.49 = ~$4.48 total (~4.5%). The same trade on ActiveTrader costs $1.20 (1.20% taker). That's over 3x cheaper.
Free Withdrawals: Gemini's Big Advantage
🎁 10 Free Withdrawals Per Month
Gemini offers 10 free crypto withdrawals every calendar month. This is a significant perk—BTC withdrawals can cost $10-20 on other exchanges.
Annual savings example: If you make 5 BTC withdrawals/month at $15 each elsewhere, Gemini saves you $900/year in withdrawal fees alone.
Deposit Fees
| Method | Fee | Time | Limits |
|---|---|---|---|
| ACH (Bank) | Free | 4-5 business days | Up to $500K/day |
| Wire Transfer | Free | 1-2 business days | No limit |
| Debit Card | 3.49% | Instant | $1,000/day |
| Crypto Deposit | Free | Network dependent | No limit |
Notable: Gemini doesn't charge for incoming wire transfers—unusual in the industry. Great for depositing large amounts quickly.
Withdrawal Fees (After Free Allowance)
After your 10 free monthly withdrawals, standard network fees apply:
| Asset | First 10/month | After Free Allowance |
|---|---|---|
| Bitcoin (BTC) | Free | Dynamic (network fee) |
| Ethereum (ETH) | Free | Dynamic (gas) |
| USD (Wire) | Free | $25 after 10 |
| USD (ACH) | Free | Free (always) |
How to Minimize Gemini Fees
-
1
Use ActiveTrader
Switch from the mobile app to ActiveTrader. A $100 buy drops from ~$4.48 to $1.20.
-
2
Place limit orders
Maker orders (0.60%) cost half as much as taker orders (1.20%). Be patient for better prices.
-
3
Maximize free withdrawals
Plan withdrawals to use all 10 free each month. They don't roll over.
-
4
Avoid debit card purchases
The 3.49% fee is steep. Use ACH (free) unless you need instant funds.
Gemini vs Competitors
| Exchange | Maker | Taker | Free Withdrawals |
|---|---|---|---|
| Gemini | 0.60% | 1.20% | 10/month |
| Kraken | 0.40% | 0.80% | None |
| Coinbase | 0.40% | 0.60% | None |
| Binance.US | 0.00% | 0.02% | None |
Gemini's trading fees are the highest of these four, but the 10 free withdrawals can offset that if you move crypto frequently.
Frequently Asked Questions
How do I switch to ActiveTrader? +
Do free withdrawals roll over? +
Is Gemini more expensive than Coinbase? +
Does Gemini charge for Gemini Earn? +
The Bottom Line
Gemini's fees are much lower when you use ActiveTrader (0.60% maker). The 10 free withdrawals per month is a unique perk that saves serious money for active users. Skip the mobile app for trading—on small orders it costs several times more. Gemini is available in all 50 states, making it a great choice for users in restricted areas.
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