What to do when a Gemini account holder dies
Report the death to Gemini at 1-866-240-5113
When an account holder at Gemini passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Gemini (1-866-240-5113) to access and distribute the funds.
Death claim process
The death claim process at Gemini works as follows:
Filing a claim
- Submit the request through the support request form. Gemini states that "all Support Inquiries must be submitted via our support request form".
- In the ticket, give the email address on the deceased person's Gemini account. Gemini asks for it, and it is how the account is located.
- Support is staffed 24/7 and works by email. Gemini "will never call or text" customers, and calls only at a time arranged by email.
- The Gemini Credit Card team is the exception and may call about card activity.
Claims Contact
Website: Online portal →
What happens to each kind of account2
- Crypto account
Withdrawal Protection puts a 7-day waiting period on any newly added withdrawal address, and a Custody account holding a non-zero balance cannot turn it off. On a multi-user account only an administrator or manager can add an address, and a second one must approve it.1
Staked ETH, SOL or MON must unbond before it can move: ETH from 6 days to close to 60 days, SOL typically 3 to 4 days, MON up to 4 days. Open margin positions stay live while the claim is pending, and price movement can liquidate one before the executor has access.2
Gemini Wallet is self-custody: Gemini holds no private keys and cannot recover the wallet, so there is nothing to claim from Gemini. Access comes only from the deceased person's devices or their synced passkey backup.2
- Investment account
Gemini Stocks cannot be transferred in kind. The position is sold on Gemini, settles T+1, and the USD proceeds are withdrawn.2
What Gemini's agreement and guidance say4
- Which state governs the account
Gemini Trust Company, LLC keeps New York and Idaho customers, New York-law accounts and select institutional accounts requiring a Qualified Custodian, and for now also Louisiana and Ohio customers. Everyone else is on Gemini Moonbase, LLC, under a different user agreement.3
Gemini's test: if the account holder did not receive an email titled "Upcoming Change to Your Gemini Account Entity" before May 21, 2025, the account remains with Gemini Trust Company, LLC.3
- Online access
Account recovery requires verifying the email and phone on the account and may require a government ID and a live motion selfie. It allows 3 attempts before a 24-hour lockout, and a successful recovery puts a 72-hour hold on digital asset withdrawals.4
- How proceeds are paid
Gemini pays fiat withdrawals only to a bank account "in the name of an individual or institution that has successfully completed our BSA/AML Program and that is named on the Gemini Account." A withdrawal to the estate's own account has to be arranged with support.2
Gemini states that "all transfers to or from your Gemini account must be initiated in your name" and that "transfers initiated from a joint bank account will be rejected" unless the joint account holder is added as an Administrator on the Gemini account.5
Not in Gemini's published guidance4
- A procedure for reporting a death
- A claim form
- A list of required documents
- How long a claim takes
Gemini can be reached by phone at 1-866-240-5113 and email at support@gemini.com for questions throughout the claims process.
Sources
Data sourced from Gemini primary sources (15 pages reviewed). How we research.
Gemini death claims support
Phone
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Gemini accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
