Does Gemini have hidden fees?

Not hidden, but layered: a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee, plus a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Read the confirmation screen, not the marketing page.

Which Gemini payment method costs the least?

Bank transfer: ACH deposits are free; wire deposits are free from Gemini's side, with your bank's fee on top. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. Gemini shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

What is Gemini's convenience fee?

A 0.50% charge built into every app and web quote, separate from the transaction fee and any card fee. ActiveTrader orders do not pay it.

Can I switch from Gemini to Anytime Capital without moving my crypto?

Yes. Withdraw from Gemini to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Fees

Gemini

Our pick

Gemini fees, explained line by line

Q: How does Anytime Capital pricing compare with Gemini?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Gemini prices a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee, roughly 3.49% on the headline, with a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Every platform quotes one number and charges several. Here is what Gemini actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Gemini: a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee
Trading: ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Gemini figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

How much does Gemini charge?

Gemini charges a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee. Trading fees are ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%. Bank transfers: ACH deposits are free; wire deposits are free from Gemini's side, with your bank's fee on top. Withdrawals: a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

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Layered
Gemini pricing structure
Compared platform
3
separate fee lines at Gemini
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

Ways to pay: Gemini vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Gemini

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Gemini: 5 of those rails, priced a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee, with a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Both exclude blockchain network fees. As of September 2026.

What Gemini charges, in order

Gemini's app pricing is the most layered in this comparison. Every quote includes a 0.50% convenience fee, which works like a spread. On top of that sits a transaction fee: $0.99 on orders under $10, stepping up through fixed amounts to $2.99, then 1.49% on orders above $200. If you fund the purchase with a debit card, Gemini adds a 3.49% card fee. A $1,000 debit card order therefore costs about $55, and a $1,000 order funded by free ACH costs about $20. Crypto withdrawals get a monthly allowance of free transfers, then the network fee.

ActiveTrader is priced like an exchange rather than an app. Maker and taker fees start around 0.20% and 0.40% at low 30-day volume and fall from there, with no convenience fee. Gemini has changed the ActiveTrader schedule more than once, and some 2026 reviews report higher entry-tier rates, so treat the base numbers as a starting point and check the live schedule. Either way, ActiveTrader with an ACH deposit skips the convenience fee and the card fee, and it is where most of Gemini's regular customers trade.

Anytime Capital's card pricing starts from 4% with the spread already inside, with the amount you pay and the crypto you receive shown before you confirm, so a $1,000 card order is from $40 against about $55 in the Gemini app. For larger orders the OTC desk quotes a same-day wire with a named contact. It is one all-in number for a card purchase delivered to your own wallet, and the desk is the faster route for anyone paying by wire.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. Gemini's schedule is published, which is honest, but the parts stack. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

A front door, not a chat window

Gemini is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

The rails where the fee question barely applies

Gemini has no cash rail at any price, and wires go through its banking partners. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at Gemini or anywhere else.

Leaving Gemini? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

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Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

Gemini vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 15.

Category	Gemini	Our pick
Card purchase fee	A 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee	From 4% with the spread included, quoted in full before you confirm
Trading fees	ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Domestic wire deposits and withdrawals supported	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Support tickets and in-app chat; no published phone line for retail customers	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Gemini serves all 50 states. Gemini Trust Company, LLC is chartered by the New York Department of Financial Services as a limited-purpose trust company, which covers New York without a separate BitLicense.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every account; Gemini is known for follow-up document requests on withdrawals.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Gemini runs an institutional OTC desk and Gemini Custody; retail customers are steered to ActiveTrader	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	a number of free crypto withdrawals each month, then the network fee; free ACH cash-out	Network fee only when sending to your own wallet
Fee display at checkout	Itemised lines	One total and one amount received, plus the network fee

Card purchase fee
Gemini
A 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Gemini
ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Gemini
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Gemini
Domestic wire deposits and withdrawals supported
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Gemini
Yes
Anytime
Yes
Talk to a human
Gemini
Support tickets and in-app chat; no published phone line for retail customers
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Gemini
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Gemini
Gemini serves all 50 states. Gemini Trust Company, LLC is chartered by the New York Department of Financial Services as a limited-purpose trust company, which covers New York without a separate BitLicense.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Gemini
Government ID, selfie and Social Security number on every account; Gemini is known for follow-up document requests on withdrawals.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Gemini
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Gemini
Gemini runs an institutional OTC desk and Gemini Custody; retail customers are steered to ActiveTrader
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Gemini
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Gemini
Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Gemini
a number of free crypto withdrawals each month, then the network fee; free ACH cash-out
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Gemini
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 5 at Gemini.

The rails Gemini has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodGeminiAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersYesYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from Gemini to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

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Ready to leave Gemini behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy Bitcoin from 4%See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions