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 | 6-7 business days | Instantly (at our discretion) |
| Wire Transfer | 1-3 business days | 1-3 business days |
| Debit Card | 24 hours | Instantly |
| Bank Transfer (EUR and GBP) | 1-3 business days | 1-3 business days |
| PayPal | 1-5 business days | Instantly |
| Deposits | Withdrawals | Instant Purchase | Withdrawal Limits | Withdrawal Minimums | Fees | |
| ACH Transfer | Yes | Yes | At our discretion | $100,000 daily | None | Free |
| Wire Transfer | Yes | Yes | No | Unlimited | $50 | Determined by your bank |
| Debit Card | No | No | Yes | N/A | N/A | 3.49% + Trading Fees |
| Bank Transfer (EUR and GBP) | Yes | Yes | No | Unlimited | None | Determined by your bank |
| PayPal | Yes | No | Yes | N/A | N/A | 2.50% of total deposit amount + 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 at our discretion. After six to seven business days, the funds are available for withdrawal as this is the amount of time ACH transfers take to settle.
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 TRANSFERS
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 or receive a wire, we do not charge any wire fees on our side.
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.
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.
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.