Gemini Review
Regulated crypto exchange built on institutional-grade security. Independent Gemini review: 4.2/5 for crypto.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
Compliance-focused investors have the clearest case for Gemini, an NYDFS-regulated trust company and qualified custodian with FDIC pass-through insurance on USD balances up to $250K. Fees keep it from rating higher: the basic interface charges up to 1.49%, and ActiveTrader's entry tier is 0.60% maker and 1.20% taker. It also lists fewer coins than Coinbase or Kraken.
Skip it if you want a wide coin selection, or plan to trade on the basic interface.
About Gemini
Regulated crypto exchange built on institutional-grade security. Gemini is offered by Gemini Trust Company, LLC. Our editorial rating is 4.2 out of 5.
Best for: Security- and compliance-focused investors.
Editorial grade: A- (composite score 84/100).
Highlights
- 85+ cryptocurrencies available, including GUSD stablecoin
- NYDFS-regulated trust company, a qualified custodian
- Gemini ActiveTrader with maker fees from 0.00% / taker 0.02%
What we like
- SOC 1 Type 2 and SOC 2 Type 2 certified
- FDIC pass-through insurance on USD balances up to $250K
- Gemini Credit Card earns up to 3% back in crypto
- Clean, simple interface for beginners; Gemini Earn (paused in U.S.)
Where it falls short
- Higher fees on the basic Gemini interface (up to 1.49%)
- Fewer supported coins than Coinbase or Kraken
Fees, minimums, and rates
Monthly fee: 0.00%–1.20% (ActiveTrader). Minimum to open: $0. Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Gemini Trust Company, LLC. It is built from Gemini Trust Company, LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Crypto shortlist. Our brokerage and robo-advisor reviews weight costs and fees (25%), platform and tools (20%), asset selection (15%), account types (10%), education and research (10%), customer support (10%), and trust and safety (10%). The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.