Gemini is a US crypto exchange founded by the Winklevoss twins. Gemini describes itself as the first SOC 1 Type 2 and SOC 2 Type 2 certified crypto exchange. Since 6 April 2026 Gemini no longer serves customers in the EEA (including the Netherlands) or the UK, so Dutch investors can no longer open an account.
- Supervised by NYDFS (trust company) and FinCEN in the US
- SOC 2 Type 2 certification (per Gemini)
- Founded by Winklevoss twins
- Insurance on hot-wallet crypto (with limits)
- Not available to residents of the Netherlands and the EEA since 6 April 2026
- Limited coin selection (70+)
- High taker fees (up to 1.2%) at low volume
- Email-only support
Fees & costs
- Min. deposit
- €$0
- Trading
- 0.000%-0.600% maker / 0.020%-1.200% taker on ActiveTrader spot (30-day volume or balance tiers)
- Stock fee
- N/A (Crypto only)
- Spread
- Spreads on simple trade
- Deposits
- Free (ACH, Wire); Debit card 3.49%; PayPal 2.50%
- Withdrawals
- Dynamic network fee for crypto (shown before withdrawal); ACH free; USD wire $25
- Inactivity
- None
Platforms & features
Who this fits best
Note: not available to residents of the netherlands and the eea since 6 april 2026.
How to use in practice
Crypto trading with a US-regulated provider
For customers in supported regions outside the EEA: trade on an exchange whose US entities are supervised by the NYDFS and registered with FinCEN, with SOC 2 Type 2 certification (per Gemini) and insurance on hot-wallet crypto, subject to limits.
A US-based investor holds Bitcoin and Ethereum on Gemini, aware that crypto is risky and that insurance does not cover all assets.
Spending crypto with credit card rewards (US)
US residents can use the Gemini Credit Card to earn up to 4% back in crypto on qualifying purchases (4% on up to $300 spend per month, then 1%), with no annual fee.
Earn crypto rewards on dining, groceries and fuel. The value of rewards can fall as well as rise.
Institutional custody
Gemini Custody offers storage for larger crypto holdings. Check the current terms, fees and insurance limits first.
An institution moves a larger position to Gemini Custody after reviewing the fee schedule and the insurance conditions.
Tips for beginners
- 01
Check availability before you sign up
Since 6 April 2026 Gemini no longer serves residents of the EEA (including the Netherlands) or the UK. Do not try to open an account from these regions.
- 02
Use ActiveTrader for lower fees
ActiveTrader uses maker/taker tiers from 0.000%/0.020% to 0.600%/1.200%. At low volume the fees are at the top of that range, so check the tier you fall in.
- 03
Check the withdrawal fee before you confirm
Crypto withdrawals carry a dynamic fee that follows network fees. Gemini shows it before you confirm.
- 04
Enable all security features
Gemini requires 2FA by default and also supports hardware security keys and withdrawal address allowlisting. Enable all available protections.
- 05
Treat card rewards as a risky asset
The Gemini Credit Card (US) pays rewards in crypto, whose value can fall. Do not count them as guaranteed income.
Account opening steps
- 1.
Create Account
Sign up with email and create a strong password (not possible for residents of the EEA, including the Netherlands, or the UK since 6 April 2026)
- 2.
Verify Email
Confirm your email address through the verification link
- 3.
Complete KYC
Submit government ID and complete identity verification
- 4.
Enable 2FA
Set up two-factor authentication (required)
- 5.
Fund & Trade
Link bank account and start trading on Gemini
Extended guide
Guide to Crypto Investing with Gemini
Availability
Since 6 April 2026 Gemini no longer serves customers in the European Economic Area (including the Netherlands) or the United Kingdom. New accounts are not possible there; existing customers can withdraw their balances. The rest of this guide describes the offering in the countries where Gemini is still active.
Getting Started
Create your account at gemini.com or download the app. Register with email, set a strong password and complete identity verification with a government ID. Gemini requires 2FA by default; set it up immediately with an authenticator app.
Fund your account via ACH or wire (free), debit card (3.49% fee) or PayPal (2.50% fee). A USD wire withdrawal costs $25.
Key Features
ActiveTrader: On ActiveTrader, spot trading costs 0.000% to 0.600% maker and 0.020% to 1.200% taker, depending on 30-day volume or balance. At low volume you pay at the top of that range.
Staking: Gemini offers staking with a service fee of up to 35% on ETH, SOL, MON and HYPE. Staking is not regulated under MiCA and carries risks such as price declines and technical risk. Staking is not guaranteed income.
Gemini Credit Card (US): Up to 4% crypto back on qualifying purchases (4% on up to $300 spend per month, then 1%), with no annual fee. The value of crypto rewards can fall.
Withdrawals: Crypto withdrawals carry a dynamic fee that follows network fees. Gemini shows it before you confirm.
Risk and protection
Gemini maintains insurance for crypto in its online hot wallet, subject to limits; balances are not 100% insured. Crypto is not covered by a deposit guarantee or investor compensation scheme. Enable all security features, including withdrawal address allowlisting.
Editorial review
Gemini is a US crypto exchange founded by Tyler and Cameron Winklevoss. In the US its entities are supervised by, among others, the NYDFS (limited-purpose trust company), FinCEN and state licences.
Important for Dutch readers: since 6 April 2026 Gemini has ceased operations in the United Kingdom, the European Economic Area (including the Netherlands) and Australia. New accounts are not possible there, and existing customers can withdraw their balances. The information below concerns the offering outside the EEA.
On ActiveTrader, spot trading costs 0.000% to 0.600% maker and 0.020% to 1.200% taker, depending on your 30-day volume or balance. Gemini lists roughly 70 cryptocurrencies, fewer than many large competitors. Crypto withdrawals carry a variable network fee shown before you confirm. Gemini does not offer phone support; contact is by email.
Crypto is risky and is not covered by a deposit guarantee or investor compensation scheme. Gemini maintains insurance for crypto held in its online hot wallet, subject to limits; balances are not 100% insured.