You can link your bank account for ACH or wire transfers, or a debit card for instant purchases on the Payment Methods page in your Gemini account.
|Settlement Time||Available For Trading|
|ACH Transfer||5 business days||Instantly|
|Wire Transfer||1-3 business days||1-3 business days|
|Debit Card||24 hours||Instantly|
|Deposits||Withdrawals||Instant Purchase||Withdrawal Limits||Withdrawal Minimums||Fees|
|ACH Transfer||Yes||Yes||Yes||$100,000 daily||None||Free|
|Wire Transfer||Yes||Yes||No||Unlimited||$50||Determined by your bank|
|Debit Card||No||No||Yes||NA||NA||3.49% + Trading Fees|
BANK TRANSFERS (ACH)
Bank Transfers (ACH) are only available to customers in the United States. The funds are made available in your account for trading immediately. After 4-5 business days, the funds are available for withdrawal since this is the amount of time ACH transfers take to settle.
Gemini submits deposit requests at 5:00 pm ET Monday - Friday. Any deposit made before 5:00 pm ET will be submitted to your bank that same business day. Any deposit made after 5:00 pm ET will be submitted to your bank at 5pm the following business day.
Gemini can receive wires from banks located anywhere within our areas of availability. Wires settle as soon as they have been received in our bank account. As a result, these funds are available for trading and withdrawal immediately once they have been credited to your account.
Funds sent by domestic wire transfer before 3:00 pm ET will typically be available in your account the same day or next business day (though this may vary based on the internal processes of your bank). While there may be a fee charged by your bank to send or receive a wire, we do not charge any wire fees on our side.
Using a debit card allows you to complete a trade instantly and will clear into our account in 24 hours, which will then lift the withdrawal hold. You can also set up a recurring buy with your debit card.
Debit cards can only be used as a payment method for one-time and recurring crypto buy orders. Debit cards cannot be used to withdraw fiat. You can only withdraw fiat using a bank transfer (ACH) or wire withdrawal to a registered bank account.
There is an additional 3.49% fee applied to your order when you initiate a purchase with a debit card. For more information on mobile fees, see our mobile fee schedule.