US-based regulated exchange founded by the Winklevoss twins.
KYC verification: Same day
Available in: US, UK, AU, CA, SG
Australian traders wanting regulated AUD rails through Osko and lower fees via ActiveTrader
PayID is not supported, so use Osko bank payment methods instead
Primary Osko/PayID
Osko (NPP) deposits are typically fast, but first-time transfers can be held by your bank for extra checks. AUD wires through SWIFT are not supported, so use local bank payment methods instead.
⚠ PayID is not supported on Gemini in Australia, so PayID transfers will not credit even if your bank allows them.
⚠ First-time Osko payments to a new payee can be delayed by bank fraud checks or transfer limits.
AUSTRAC-registered Digital Currency Exchange service provider (Gemini Intergalactic Australia Pty Ltd).
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
For bank-funded buys, ActiveTrader is typically the lowest all-in option
Can I fund Gemini with PayID in Australia?
No. Gemini states PayID is not supported, so PayID transfers will not credit. Use Osko bank payment methods instead.
Why is my first Osko deposit taking longer than expected?
Banks often hold first-time real-time payments to new payees for fraud checks or transfer limit review. Do a small test transfer first and complete any bank security prompts.
Why was my bank transfer rejected or delayed?
Gemini requires the correct account reference details for bank transfers. Missing or incorrect reference codes are a common cause of delays.
What is the fastest AUD funding method on Gemini?
Gemini lists Osko / NPP bank transfers as the supported AUD rail for Australian customers.
US traders wanting ACH funding with NYDFS-licensed regulated setup
ACH deposits can take 4-5 business days to clear for withdrawals
Primary ACH Transfer
ACH deposits can be used for trading immediately, but Gemini notes ACH deposits typically take four to five business days to fully clear for withdrawals. Domestic wires typically credit within 1 to 3 business days depending on your bank.
⚠ ACH deposits may be tradable immediately but can be restricted from withdrawal until the settlement window completes.
⚠ Wires can be delayed if the bank transfer reference details are missing or incorrect.
Licensed in New York as a limited liability trust company under the New York Banking Law (NYDFS).
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
If buying frequently, ActiveTrader generally improves all-in execution for repeat buyers
Why can I trade after an ACH deposit but not withdraw right away?
Gemini states ACH deposits typically take four to five business days to fully clear for withdrawals. Plan around the settlement window.
How long does a wire deposit take to arrive on Gemini?
Gemini states domestic wire deposits typically become available within 1 to 3 business days, depending on your bank.
Why is my wire deposit delayed or rejected?
Gemini warns that missing or incorrect bank transfer reference details can cause delays. Re-check the deposit instructions and reference format before resending.
What is the safest way to test funding from my bank?
Start with a small ACH deposit first to confirm the linkage, then scale up once the first deposit and any bank checks clear.
UK traders wanting GBP bank funding with FCA-authorised security and ActiveTrader fees
Not all linked accounts are eligible for Direct Bank Transfer, so test with a small deposit first
Primary Faster Payments
Gemini supports GBP funding, including Direct Bank Transfer flows for eligible banks. Plaid Direct Payments deposits clear in 1 to 2 business days, and bank transfers can be delayed by bank fraud checks or missing references.
⚠ Direct Bank Transfer eligibility depends on the specific bank account and link status, so some linked accounts will not show as eligible.
⚠ Transfers can be delayed if the bank transfer reference code is missing or incorrect.
Authorised Electronic Money Institution (Gemini Payments UK Ltd) on the FCA register (Firm Ref 900988).
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
For repeat buyers, ActiveTrader generally produces better all-in costs than quoted-price buys
Why is my linked bank not eligible for Direct Bank Transfer?
Gemini notes that not all linked accounts will be eligible for Direct Bank Transfer. Try a standard bank transfer method and confirm your bank supports the required flow.
How long do Plaid Direct Payments deposits take to clear?
Gemini states Plaid Direct Payments deposits clear in 1 to 2 business days, which also lifts the withdrawal hold.
Why is my GBP transfer delayed even though my bank says sent?
Missing or incorrect bank transfer reference details can delay crediting. Confirm the reference code from Gemini deposit instructions before resending.
What should I do if my bank blocks the transfer to Gemini?
Approve any bank security prompts, add Gemini as a payee first, then retry with a small test transfer.
German traders wanting EUR SEPA funding with MiCA-licensed security and competitive fees
Bank holds on first-time payees or incorrect transfer references cause most delays
Primary SEPA Transfer
EUR deposits are typically done by SEPA or SEPA/Target2 bank transfer. Bank transfers can take 0 to 3 business days depending on your bank, and delays usually come from missing reference details or bank compliance checks on first-time payees.
⚠ SEPA delays are common when the reference or beneficiary details do not match the deposit instructions exactly.
⚠ Some banks hold first-time transfers to exchanges for manual review.
MiCA-licensed Crypto Asset Service Provider authorised in Malta (MFSA) and available across the EEA.
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
For EUR users, SEPA funding plus ActiveTrader is usually the cleanest low-fee path
Why is my SEPA deposit not credited yet?
SEPA transfers can take up to 3 business days. If it goes longer, re-check beneficiary and reference details and confirm your bank did not hold the payment.
What is the safest way to fund Gemini from a German bank?
Set up Gemini as a beneficiary first and do a small SEPA test transfer. This surfaces bank holds early.
Why did my bank block the transfer to Gemini?
Some banks treat exchange transfers as higher risk and can hold or block first payments. Confirm any banking security prompts and retry with a small amount.
Why did Gemini receive less EUR than I sent?
Intermediary fees can cause short credits on certain transfer routes. If this happens, ask your bank about fee routing and consider a different transfer option.
French traders wanting EUR bank transfers with MiCA-licensed security and reasonable fees via ActiveTrader
Transfer detail mistakes or bank compliance holds on new beneficiaries cause most failures
Primary SEPA Instant
EUR deposits are typically done by SEPA Instant (when your bank supports it) or standard SEPA. Direct Bank Transfer style flows clear in 1 to 2 business days in supported countries, but first-time beneficiary checks still cause delays.
⚠ SEPA transfers are delayed when beneficiary or reference details are entered incorrectly.
⚠ Banks often hold first-time transfers to exchanges for compliance review.
MiCA-licensed Crypto Asset Service Provider authorised in Malta (MFSA) and available across the EEA.
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
If cost-conscious, prioritise SEPA funding and ActiveTrader execution over quoted-price buys
What is the fastest way to fund Gemini in France?
SEPA Instant is usually fastest when your bank supports it. Otherwise, standard SEPA works.
Why is my SEPA transfer delayed?
Double-check beneficiary and reference details from the deposit instructions. Banks can also hold first transfers to new payees for compliance review.
How long do direct bank transfer deposits take to clear in supported countries?
Gemini states Plaid Direct Payments deposits clear in 1 to 2 business days in supported countries.
Why did my bank block the transfer to Gemini?
Some banks block first payments to exchanges. Add Gemini as a beneficiary first, then do a small test transfer and approve any bank security prompts.
Italian traders wanting EUR funding with MiCA-licensed security and competitive trading fees
Bank holds on first-time payees and incorrect transfer references are the main friction points
Primary SEPA Transfer
EUR deposits are typically SEPA or SEPA Instant when supported by your bank. Gemini states direct payments deposits clear in 1 to 2 business days in supported countries, but your bank may still hold first-time exchange transfers.
⚠ Deposits are delayed when reference fields are missing or incorrect.
⚠ Banks may hold first transfers to exchanges for security checks.
MiCA-licensed Crypto Asset Service Provider authorised in Malta (MFSA) and available across the EEA.
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
For EUR users, ActiveTrader generally beats quoted-price buys on all-in costs
Is SEPA Instant supported for Gemini deposits in Italy?
SEPA Instant depends on your bank and the transfer route you use. If your bank supports it, it is often fastest.
Why is my EUR deposit still processing?
Standard SEPA can take up to 3 business days. If it exceeds that, re-check beneficiary and reference details and ask your bank whether the payment is held.
How long do direct payment deposits take to clear in supported countries?
Gemini states direct payments deposits clear in 1 to 2 business days and lift the withdrawal hold.
Why did my bank block the transfer?
Banks often flag first payments to exchanges. Add Gemini as a beneficiary and retry with a small test transfer after approving any security prompts.
Spanish traders wanting EUR funding through SEPA rails with MiCA-licensed security
Bank holds on first-time payees or simple transfer detail mistakes cause most problems
Primary SEPA Instant
EUR deposits are typically funded by SEPA Instant when available, otherwise standard SEPA. Gemini states direct payments deposits clear in 1 to 2 business days in supported countries, but bank checks on first payments can still slow things down.
⚠ SEPA delays often come from incorrect beneficiary or reference fields.
⚠ First-time transfers can trigger bank security holds.
MiCA-licensed Crypto Asset Service Provider authorised in Malta (MFSA) and available across the EEA.
Last verified: 2026-01-15 · View source
Trading Fees
ActiveTrader: 0.00-0.20% maker, 0.03-0.40% taker (volume-based). Standard interface includes 1.00-2.00% convenience fee.
Deposit Fees
For lower all-in costs, prioritise SEPA funding and ActiveTrader execution
What is the fastest way to fund Gemini in Spain?
SEPA Instant is usually fastest when your bank supports it. Otherwise, standard SEPA works.
Why is my SEPA transfer delayed?
Re-check beneficiary and reference details. Banks also hold first payments to exchanges for security checks.
How long do direct payments deposits take to clear in supported countries?
Gemini states direct payments deposits clear in 1 to 2 business days and lift the withdrawal hold.
Why did my bank block the transfer to Gemini?
Banks can block first payments to exchanges. Add Gemini as a beneficiary, approve security prompts, then retry with a small test transfer.
Gemini is not available in Canada
Gemini has exited the Canadian market. Canadian residents should use a locally available exchange for CAD funding.
Security-conscious users who value Gemini's reputation
Deposits slower than local exchanges, In-Principle Approval means full license pending
Primary Fast Singapore
FAST deposits typically arrive within 1-2 business days. Bank transfers take 1-3 business days.
⚠ Deposits slower than local exchanges
⚠ Reference code errors can delay crediting
MAS In-Principle Approval
Last verified: 2026-02-04 · View source
Trading Fees
0.2-0.4% maker/taker
Deposit Fees
Free for bank transfers
FAST deposit taking longer than expected
Gemini Singapore deposits can take 1-2 business days via FAST. This is slower than local exchanges like Coinhako or Independent Reserve which offer instant PayNow.
Why does Gemini show In-Principle Approval?
Gemini received preliminary approval from MAS in October 2024. Full license is pending. This means Gemini is operating with regulatory approval but final license is being processed.
Bank transfer not credited
Bank transfers can take 1-3 business days. Ensure you used the correct reference code. Contact Gemini support if not credited after 3 business days.
Gemini supports ach, wire, faster-payments, debit-card, interac-etransfer for deposits.
Gemini typically completes KYC verification in same day.
Gemini is available in US, UK, AU, CA, SG.