Kraken vs Gemini: crypto cash-out fees in the US
A factual side-by-side of the published costs of selling crypto and withdrawing US dollars to a US bank, checked against official pages on Nov 12, 2026. Not a recommendation; eligibility, limits and spreads differ by account.
Published fees side by side
| Kraken | Gemini | |
|---|---|---|
| Order-book sell fee (base tier) | 0.40% maker / 0.80% taker (Kraken Pro); lower tiers with volume or assets on platform | 0.60% maker / 1.20% taker (ActiveTrader schedule of Sep 1, 2026); lower tiers with 30-day volume or asset balance |
| One-click retail sell | 1% trading fee, or up to US$2 instead of 1% for small instant trades, plus a variable spread in the quoted price; trading fees waived for Kraken+ members up to US$10,000/month (spread still applies) | Convenience fee plus a transaction fee, both shown at order confirmation; no fixed public consumer schedule published, not modeled here |
| USD withdrawal to a US bank | ACH free · FedWire $4 · SWIFT $13 · RTP 1.5% (max $50) | ACH free · domestic wire $25 |
| USDT sell pair | USDT-USD trades on the regular spot tiers | USDT/USD is a stablecoin pair: 0% maker / 0.01% taker |
| Estimate on NetCashOut | Full estimate on the published Kraken Pro route | Full estimate on the published ActiveTrader route |
Order-book sell fee (base tier)
Kraken0.40% maker / 0.80% taker (Kraken Pro); lower tiers with volume or assets on platform
Gemini0.60% maker / 1.20% taker (ActiveTrader schedule of Sep 1, 2026); lower tiers with 30-day volume or asset balance
One-click retail sell
Kraken1% trading fee, or up to US$2 instead of 1% for small instant trades, plus a variable spread in the quoted price; trading fees waived for Kraken+ members up to US$10,000/month (spread still applies)
GeminiConvenience fee plus a transaction fee, both shown at order confirmation; no fixed public consumer schedule published, not modeled here
USD withdrawal to a US bank
KrakenACH free · FedWire $4 · SWIFT $13 · RTP 1.5% (max $50)
GeminiACH free · domestic wire $25
USDT sell pair
KrakenUSDT-USD trades on the regular spot tiers
GeminiUSDT/USD is a stablecoin pair: 0% maker / 0.01% taker
Estimate on NetCashOut
KrakenFull estimate on the published Kraken Pro route
GeminiFull estimate on the published ActiveTrader route
Reading the numbers
On a US$1,000 market sell, the published base-tier taker fee is US$8.00 at Kraken Pro and US$12.00 at Gemini ActiveTrader, before spread and any withdrawal fee - both list ACH withdrawals as free. Selling USDT instead flips the comparison: Gemini's 0.01% stablecoin taker is far below Kraken's regular tier. Enter your amount on the US comparison to see estimated costs.