No public signup bonusGemini vs PayPal: fees, withdrawals, safety and which to use
On Gemini, a $1,000 bank-transfer buy costs $12, compared with $18 on PayPal.
Gemini vs PayPal fees
Using each exchange's own pages, these are Gemini and PayPal fees for $1,000 in dollars.
| $1,000 and the basics | Gemini | PayPal |
|---|---|---|
| Buy by bank transfer (ACH) | $12 | $18 |
| Buy by debit card | $34.90 | – |
| Buy by wire | $12 | – |
| Buy with PayPal | – | $18 |
| Sell and send to your bank (ACH) | $12 | – |
| Cash out to your bank (ACH) | $0 | – |
| Cash out by wire | $25 | – |
| States it does not serve | Serves every state | Hawaii |
| Serves New York | Yes | Yes |
| Bank withdrawal | An ACH withdrawal started before 3pm ET has no charge. Handling typically takes place that day or the next working day. | – |
| NYDFS licence | Yes | Yes |
| App Store rating (ratings) | 4.8 (109,951) | 4.8 (6,299,060) |
| Google Play rating (ratings) | 4.0 (55,353) | 4.2 (3,740,000) |
| Coins listed | 99 | – |
When you see a dash, the exchange hasn’t provided a figure for that row. If you see "Not offered," that payment method isn’t supported.
Gemini vs PayPal in your state
Gemini serves Hawaii, but PayPal doesn't.
Gemini vs PayPal withdrawals
Gemini bank withdrawals have no fee. If you start an ACH transfer before 3pm ET, it's typically handled on the same day or during the next working day. That is the usual schedule.
Neither a bank withdrawal fee nor a processing time appears on the PayPal pages we reviewed.
Gemini vs PayPal safety
NYDFS issued Gemini a New York licence or charter.
NYDFS issued PayPal a New York licence or charter.
Gemini vs PayPal apps and coins
In the App Store, Gemini's app has a 4.8 out of 5 rating from 109,951 ratings. Google Play shows a rating of 4.0 based on 55,353 ratings.
On the App Store, PayPal's app holds a 4.8 rating out of 5 from 6,299,060 ratings. Google Play gives it a 4.2 rating across 3,740,000 ratings.
Gemini or PayPal: which should you choose?
- Choose Gemini if you'll use Gemini ActiveTrader and its order book, or if you live in a state that others leave out.
- Go with PayPal if you’d like to use its app and simple buy screen.
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