You can link your bank account for ACH and 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 | 4-5 business days | Instantly (at our discretion) |
| Wire Transfer | 1-3 business days | 1-3 business days |
| Debit Card | 24 hours | Instantly |
| Google/Apple Pay | 24 hours | Instantly |
|
Bank Transfer (EUR and GBP) |
1-3 business days | 1-3 business days |
| FAST transfer (SGD) |
Same day* | Same day* |
| PayPal | 1-5 business days | Instantly |
| CBIT™ | Instantly | Instantly |
| Plaid Direct Payments (UK) | 1-2 business days | Instantly (at our discretion) |
*Deposits may take up to 48 hours to get credited while mandatory checks are being conducted
| Deposits | Withdrawals | Instant Purchase | Withdrawal Limits | Withdrawal Minimums | Fees | |
| ACH Transfer | Yes | Yes | At our discretion | $100,000 daily | None | Free |
| Wire Transfer (USD) | Yes | Yes | No | Unlimited | $25.01 | Determined by your bank + $25 for withdrawals |
| Debit Card | No | No | Yes | N/A | N/A | 3.49% Platform Fee + Trading Fees |
| Google/Apple Pay | No | No | Yes | N/A | N/A | 3.49% Platform Fee + Trading Fees |
| Bank Transfer (EUR and GBP) | Yes | Yes | No | Unlimited | None | Determined by your bank |
|
FAST transfer |
Yes | Yes | No | $200,000 per transfer |
S$3.01 |
Determined by your bank + SGD 3 for withdrawals |
| PayPal | Yes | No | Yes | N/A | N/A | 2.50% of total deposit amount + Trading Fees |
| CBIT™ | Yes | Yes | Yes | $1B per transfer | None | Free |
| Plaid Direct Payments (UK) | Yes | No | At our discretion | £25,000 per transfer | N/A | Free |
BANK TRANSFERS (ACH)1
Bank Transfers (ACH) are only available to customers in the United States. The funds are made available in your account for trading at our discretion. After four to five business days, the funds are available for withdrawal as this is the amount of time ACH transfers take to settle. Note: a business day does not include weekends or US federal holidays.
Gemini submits deposit requests at 5pm ET Monday - Friday. Any deposit made before 5pm ET will be submitted to your bank that same business day. Any deposit made after 5pm ET will be submitted to your bank at 5pm the following business day.
SWIFT WIRE TRANSFERS1
Gemini can receive SWIFT wire transfers from banks located anywhere within our areas of availability. SWIFT wire transfers 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.
USD Funds sent by domestic wire transfer before 3pm ET will typically be available in your account the same day or the next business day (this may vary based on the internal processes of your bank). While there may be a fee charged by your bank to send a wire, we do not charge any wire fees on our side. For wire withdrawals, a $25 fee is applied.
FAST TRANSFERS (SGD)
Gemini works with Xfers Pte Ltd to facilitate SGD transfers via FAST. For more information on depositing via FAST, click here.
DEBIT CARDS
Using a debit card allows you to complete a trade instantly. This purchase will then clear into our account in 24 hours, lifting 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. However, 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.
GOOGLE/APPLE PAY
Using either Google/Apple Pay allows you to complete a trade instantly. This purchase will then clear into our account in 24 hours, lifting the withdrawal hold. You can also set up a recurring buy with your Google/Apple Pay.
Google/Apple Pay can only be used as a payment method for one-time and recurring crypto buy orders. However, Google/Apple Pay cannot be used to withdraw fiat. You can only withdraw fiat using a bank transfer (ACH) or wire withdrawal to a registered bank account.
PAYPAL
PayPal is only available for customers who reside in the United States. PayPal can be used for deposits and purchases and allows you to complete a trade instantly. PayPal deposits will clear in 1-5 business days, lifting the withdrawal hold. Funds can not be withdrawn through PayPal. There is an additional 2.50% of the total deposit amount fee when initiating a deposit with PayPal.
CBIT™
With Customers Bank Instant Token or CBIT™, mutual institutional customers of Gemini and Customers Bank have the convenience of making deposits and withdrawals every day of the year, around the clock, including weekends and holidays. CBIT™ transfers operate 24/7, 365 days a year, and typically complete within seconds once initiated. There is also a transfer limit of $1B per transaction. Please note that CBIT™ is currently available for institutional customers only. For more information on CBIT™ transfers, please refer here.
Plaid Direct Payments (UK)
Plaid Direct Payments is only available for customers who reside in the United Kingdom (UK). Plaid Direct Payments can be used for deposits and allows you to complete a trade instantly. You can withdraw funds from your Gemini account to the bank account you use for direct bank transfers. The withdrawal is processed via regular bank transfers. Plaid Direct Payments deposits will clear in 1-2 business days, lifting the withdrawal hold. There is a per transaction limit of £25,000 GBP and a minimum deposit amount of £10 GBP through Plaid Direct Payments. Note: a business day does not include weekends or UK bank holidays. For more information on Plaid Direct Payments transfers, please refer here.
1 Please note that Gemini no longer supports the following banks: Chime - Choice - Dave - Green Dot - Metabank - National Australia Bank - Varo. To prevent returns, before sending a payment, please always confirm with your bank if they support transfers to crypto exchanges.