Here are the possible reasons for the rejection of your wire or bank transfer:
- The bank account name* on the wire does not match the Gemini account holder's name.
- The sending bank account is not registered to your Gemini account.
- The account number on the wire transfer does not match the bank account registered to your Gemini account.
- It was sent from a trust, IRA, or business bank account. If you have an institutional account with Gemini, funds cannot be sent from a personal bank account.
- No account reference code.
The return of your funds may take up to ten business days.
*Note for Joint Bank Accounts: Occasionally, when the bank sends an outbound wire, they may only include one of the names of the joint bank account holders on the wire. If the wire instruction does not include your name, it will be rejected. The easiest remedy to this is to specifically request that the bank include your name/all names on the wire. This is something that your bank will be able to assist with.
Note; For GBP bank transfers being sent on the CHAPS payment network, as of 1 May 2025 our banking partners require use to use LEI numbers, or Legal Entity Identifiers, which are a unique 20-character alphanumeric code used to identify legal entities participating in financial transactions.
If you are sending a CHAPS payment to Gemini - typically reserved for cross-border GBP payments or payments over £1 million - please include the following LEI numbers in your payment depending on which bank account you're sending to:
Gemini Payments UK, Ltd.: 2138006MHNIPTX474J89
Gemini Trust Company, LLC: 254900GBN2V33HKLXO71
If you experience delays in payments being sent or requested via the CHAPS network, please contact Gemini Support to provide your LEI number.
Note: AUD SWIFT deposits are no longer supported. Gemini can accept deposits of AUD sent via BECS or Osko via NPP. Gemini Intergalactic Australia Pty Ltd customers may refer to this page for more information.
Note; SWIFT deposits are temporarily not supported by Gemini's banking partners for EUR. Gemini can accept deposits of EUR via SEPA/Target2 transfer.