Opening account for Gemini

Hi Experts

1) If I have set it as active trader, when i use mobile app, will we be charged 0.35%? or we strictly can use desktop only to enjoy 0.35%?

2) understand that if we Manually Link my Bank account and input bank account details held in my name, and i will receive a SMS notification from XFERS thereafter. but do i need to create this XFERS account in order to do the linkage?

3) when i click "enter currency name", i realised there is only 2 fiat pair. the rest are crypto pair and other fiat pair. if i want to buy doge coins, does it mean i cant use SGD to buy directly as the pair is DOGE-USD. the bitcoin and eth seem to be able to buy via SGD?