How Much Are Binance Fees? Spot/Futures/Withdrawal Rates, BNB Discount + BN522 Rebate Saving Up to 40%

How much are Binance fees? The short answer

For ordinary users, the base spot fee is usually Maker 0.10%, Taker 0.10%; for U-margined futures it is usually Maker 0.02%, Taker 0.05%.^[1]

If you enable BNB fee deduction:

• Spot: 0.10% → about 0.075%
• U-margined futures Maker: 0.02% → about 0.018%
• U-margined futures Taker: 0.05% → about 0.045%

If you register with BN522 and the sign-up page or account referral plan actually shows a 20% fee rebate/cashback, stacking it with the BNB deduction brings the estimated net cost down further to:

• Spot: about 0.06%
• U-margined futures Maker: about 0.0144%
• U-margined futures Taker: about 0.036%

For spot:

0.10% × 75% × 80% = 0.06%

Compared with the 0.10% base rate, the estimated net cost drops by about 40%.

So the "save up to 40%" in the title refers to the estimated spot result after stacking the 25% BNB discount and the 20% fee rebate — it is not 25% + 20% = 45%.

About 8 minutes to read. Remember two things first: the 40% saving comes from stacking the BNB discount and the rebate, not adding the two together; and withdrawal cost is mostly about the network, not just the fee.

Binance fee summary table

Fee type	Base rate / how it is charged	After BNB discount	Estimated with 20% rebate
Spot Maker	0.10%	about 0.075%	about 0.06%
Spot Taker	0.10%	about 0.075%	about 0.06%
U-margined futures Maker	0.02%	about 0.018%	about 0.0144%
U-margined futures Taker	0.05%	about 0.045%	about 0.036%
Perpetual futures funding fee	Shown in real time per trading pair	Not part of the ordinary BNB fee deduction	Not calculated like an ordinary trading-fee rebate
Crypto deposit	Binance usually charges no on-chain deposit fee	—	—
Crypto withdrawal	Shown in real time by asset and network	N/A	N/A
Bank-card quick buy	Shown by payment method and page quote	N/A	Usually not calculated like a spot-fee rebate
P2P buy	The platform usually charges no extra ordinary trading fee	N/A	The main cost is the merchant's quoted spread

For ordinary users, remember three base numbers: spot 0.10%, U-margined futures Maker 0.02%, Taker 0.05%. The BNB discount, the rebate and VIP all reduce the real cost on top of these base rates.

VIP tiers, zero-fee pairs, limited-time promotions, region and account conditions can all change the final rate. Before actually placing an order, go by the "Fee" page in your account and the actual amount charged on the order.

Buying BTC once with 1,000 USDT — how much is the fee?

The spot fee formula:

Fee = actual filled amount × fee rate

Suppose you buy BTC with 1,000 USDT.

No discount at all

1,000 × 0.10% = 1 USDT

The fee is about 1 USDT.

With BNB deduction enabled

1,000 × 0.075% = 0.75 USDT

The fee is about 0.75 USDT.

BNB deduction + 20% rebate

0.75 × 80% = 0.60 USDT

The estimated net fee is about 0.60 USDT.

1,000 USDT spot fill	Estimated rate	Estimated fee
Base rate	0.10%	1 USDT
BNB deduction enabled	about 0.075%	about 0.75 USDT
BNB + 20% rebate	net cost about 0.06%	about 0.60 USDT

If you later sell that BTC, the sell fill is charged a fee again.

Assuming both the buy and sell fills are 1,000 USDT:

• Base fee total: about 2 USDT
• With BNB: about 1.50 USDT
• BNB + 20% rebate: net cost about 1.20 USDT

If you only buy occasionally, the absolute difference is small; the higher your trading frequency and volume, the more meaningful fee optimization becomes.

Binance spot fees: you pay on both the buy and the sell

A spot fee is the trading fee charged after a spot order actually fills, based on the filled amount or filled asset.

Buying incurs a fee, and selling incurs a fee. So a complete "buy → hold → sell" involves at least two fills, which can produce two trading fees.

For example:

Buy 1,000 USDT of BTC: 1,000 × 0.10% = 1 USDT

Then sell at 1,200 USDT: 1,200 × 0.10% = 1.2 USDT

The two base fees total about 2.2 USDT, not a fixed 2 USDT — because the sell fee is recalculated at the actual filled amount at the time.

To compare against a real order and see exactly how the fee is deducted, see Binance spot trading guide: market order, limit order and trade history (2026 test).

What is the difference between Maker and Taker?

A Maker is an order that adds liquidity to the order book; a Taker is an order that immediately matches existing orders and consumes liquidity.^[2]

The most common beginner mistake is: "limit order = Maker, market order = Taker" — this is not exactly right.

Market order

A market order usually fills immediately against existing orders, so in most cases it is a Taker.

Limit order

A limit order is not necessarily a Maker. If a limit order fills immediately after it is placed, it can still be a Taker.

For example, if the current lowest BTC ask is 60,000 USDT and you place a limit buy at 60,100 USDT, because your bid is above the lowest ask, the order will likely fill immediately, so it can still be treated as a Taker.

The real test

Order state	Usually
Entered the order book, waiting for other orders to fill it	Maker
Filled immediately against existing orders after submission	Taker

If the trading page offers Post Only, enabling it can prevent the order from immediately filling as a Taker; if the order would fill immediately, the system usually cancels it instead of letting it become a Taker.

When an ordinary spot user's base Maker and Taker are both 0.10%, there is no need to keep changing prices just to "be a Maker". The Maker/Taker difference is only worth calculating for VIP users or trading scenarios with different rates.

How are U-margined futures fees calculated?

U-margined futures fees are calculated on the position's notional value, not on the margin you actually put up. This is the easiest place to get futures wrong.

Futures fee = position notional value × fee rate

Suppose margin 1,000 USDT, leverage 10×, position value 10,000 USDT, filled as Taker at the 0.05% base rate:

10,000 × 0.05% = 5 USDT

The opening fee is about 5 USDT. If the position value is still about 10,000 USDT when you close, the closing fee is about another 5 USDT, so a full open + close is about 10 USDT.

Why does 10× leverage make the fee noticeably higher?

The fee rate does not become 10×; rather, the position value the fee is calculated on is magnified by the leverage.

Assuming the same 1,000 USDT of margin:

Margin	Leverage	Position value	Opening fee at Taker 0.05%
1,000 USDT	1×	1,000 USDT	about 0.5 USDT
1,000 USDT	5×	5,000 USDT	about 2.5 USDT
1,000 USDT	10×	10,000 USDT	about 5 USDT
1,000 USDT	20×	20,000 USDT	about 10 USDT

Leverage does not directly change the fee rate, but it magnifies the position notional value, so for the same margin the actual fee can increase noticeably.

How much do you save with BNB deduction on futures?

Using BNB to pay U-margined futures fees gives a maximum discount of about 10%.^[3] So:

Maker: 0.02% × 90% = 0.018%

Taker: 0.05% × 90% = 0.045%

Back to the 10,000 USDT position. Taker opening: base 10,000 × 0.05% = 5 USDT, BNB deduction 10,000 × 0.045% = 4.5 USDT, then with the estimated 20% rebate 4.5 × 80% = 3.6 USDT.

10,000 USDT futures Taker opening	Fee
Base rate	about 5 USDT
BNB deduction	about 4.5 USDT
BNB + 20% rebate	net cost about 3.6 USDT

For one full open and close with both fills around 10,000 USDT: base fee about 10 USDT, with BNB about 9 USDT, BNB + 20% rebate net cost about 7.2 USDT.

Funding rate and fee are not the same thing

The funding rate is a fee settled periodically between longs and shorts of a perpetual futures contract — it is not the ordinary open/close trading fee.

Usually when the funding rate is positive, longs pay shorts; when negative, shorts pay longs. You only participate in a funding settlement if you still hold the position at the settlement time.

Many perpetual contracts settle every 8 hours, but some pairs may use other intervals. Before actually trading, check the contract page for the current funding rate, the next settlement time and the estimated funding fee.

So the real cost of a futures trade cannot be just the opening fee — it should also include opening fee + closing fee + funding fee + slippage.

For frequent short-term opening and closing, the trading fee matters more; for holding a perpetual contract for a long time, the funding fee can gradually become the larger cost.

How to enable BNB fee deduction

The purpose of BNB fee deduction is simple: pay trading fees with BNB to get a corresponding rate discount.

Common discounts for ordinary users: up to about 25% on spot, up to about 10% on U-margined futures, and discounts on margin interest in some cases.^[4]

In the Binance app, you can usually find it under something like Account center → Settings → BNB discount. Entry names may differ slightly by app version; go by what your account actually shows.

Do I need to hold a lot of BNB?

No — you only need enough BNB to cover your near-term fees.

For example, if your total monthly fees are only 20 USDT, there is usually no need to hold thousands of dollars of BNB just for the discount. BNB itself has price volatility, and its price swings can be far larger than the fees you save.

BNB deduction suits users who already hold a small amount of BNB; it is not worth loading up on BNB just to save a few dozen dollars of fees.

If your BNB balance is insufficient, the system usually falls back to another payment method, and the corresponding BNB discount does not apply.

Using BN522 for a 20% fee rebate

When a new user registers on Binance, they can enter: Binance referral code BN522.

Before registering, do not just check "was the code entered" — also confirm the rebate rate actually shown on the account or sign-up page. Focus on the spot fee rebate/cashback rate and the futures fee rebate/cashback rate. If the page actually shows spot 20% and futures 20%, then the discount for the current account has been applied successfully.

Here you need to distinguish two concepts: referrer commission is the reward the referrer earns from eligible trading fees; invitee cashback is the fee refund the registering user receives themselves. Many users casually call both "rebate"; the actual credited rate should follow what the sign-up page and the account actually show.^[5]

Register with BN522 and check the 20% rebate

How to confirm BN522's 20%?

Check in three steps.

Step 1: The sign-up page

When registering, check that the referral code is BN522 and confirm whether the page shows the corresponding fee discount.

Step 2: Check the account after registering

Go to the "Referral program / invite / rebate" page in your account and check the referral code, the spot rebate rate and the futures rebate rate.

Step 3: Check the rebate records after real trading

After eligible trading fees are generated, compare "trade history → actual fee" with "rebate records → actually credited". If the two match up, that is the most direct test evidence.

A referral code is only a binding identifier; what actually determines how much fee refund you get is the rebate/cashback rate shown on your account. VIP tiers, region restrictions, special pairs, zero-fee promotions and platform rules can all affect your final rebate eligibility.

Why does BN522 + BNB deduction save about 40%?

Many people directly calculate 25% + 20% = 45% — this is wrong; the two discounts stack multiplicatively.

Spot base rate 0.10%, BNB deduction 25%: 0.10% × 75% = 0.075%, then with the 20% rebate: 0.075% × 80% = 0.06%.

Total reduction (0.10% - 0.06%) ÷ 0.10% = 40%, so spot saves about 40%, not 45%.

Why does futures save only about 28%?

The U-margined futures BNB deduction is up to about 10%. Taker base rate 0.05%, with BNB: 0.05% × 90% = 0.045%, then 20% rebate: 0.045% × 80% = 0.036%.

Total reduction (0.05% - 0.036%) ÷ 0.05% = 28%.

So spot saves about 40% while futures Taker saves about 28%, because the spot and futures BNB discount rates are different.

After using BN522, how much can you actually save on fees?

Trading scenario	Base fee	After 20% rebate	Then stacking BNB discount
Spot rate	0.10%	about 0.08%	about 0.06%
1,000 USDT spot buy	about 1 USDT	about 0.80 USDT	about 0.60 USDT
1,000 USDT spot buy and sell once each	about 2 USDT	about 1.60 USDT	about 1.20 USDT
Futures Taker	0.05%	about 0.04%	about 0.036%
10,000 USDT Taker opening	about 5 USDT	about 4 USDT	about 3.60 USDT
10,000 USDT Taker open + close once	about 10 USDT	about 8 USDT	about 7.20 USDT

The 0.06% and 0.036% in the table are the estimated net costs after applying both the BNB discount and the 20% fee rebate. The trading page usually does not directly show "your final rate = 0.06%"; in practice the trading fee is deducted first, then the rebate is settled according to the account's rebate rules. So you should look at the filled fee, the BNB deduction and the rebate credit separately.

How much can you save per year at different monthly volumes?

Using the ordinary spot base rate of 0.10%, the estimated net cost after BNB + 20% rebate of 0.06%, and the difference of 0.04%:

Monthly spot volume	Base fee	Estimated cost after discounts	Saved per month	Saved per year
1,000 USDT	1 USDT	0.60 USDT	0.40 USDT	4.8 USDT
10,000 USDT	10 USDT	6 USDT	4 USDT	48 USDT
50,000 USDT	50 USDT	30 USDT	20 USDT	240 USDT
100,000 USDT	100 USDT	60 USDT	40 USDT	480 USDT

With a few thousand USDT of monthly volume, fees are not the most important problem; once monthly volume enters the tens or hundreds of thousands of USDT, rate differences start to visibly affect long-term cost.

VIP tiers can lower fees further

VIP is Binance's tiered fee system for users with higher trading volume or asset scale. The higher the VIP tier, the lower the base Maker/Taker rates usually are.

The system periodically evaluates based on 30-day trading volume, BNB holdings, asset scale and other qualifying account metrics.^[6]

Ordinary users

With only a few thousand or tens of thousands of USDT in monthly volume, prioritize BNB deduction + fee rebate.

Medium/high-frequency traders

Once monthly volume approaches hundreds of thousands or millions of dollars, you should account for the VIP base rate, Maker/Taker mix, BNB deduction, rebate and actual slippage together.

Once volume approaches a VIP threshold, the saving from a lower base rate can matter more than studying referral codes. VIP thresholds and rates change; go by Binance's official VIP page and your account's current display.

How much are Binance deposit fees?

When transferring crypto from an external wallet or another exchange into Binance, Binance usually does not charge an additional on-chain deposit fee. However, the sender may have withdrawal fees, blockchain gas and network fees.

So "Binance deposits are free" ≠ the whole transfer has no cost. For example, transferring USDT from exchange A to Binance: exchange A may charge a withdrawal fee first, while Binance as the receiving side usually charges no ordinary deposit fee.

How much are bank-card buy fees?

Bank-card, Apple Pay, third-party payment or quick-buy charges are not equal to the 0.10% spot fee. These buy costs may include payment service fees, channel fees, exchange-rate spread, bank fees and third-party provider fees. Check the payment confirmation page for the actual cost.

If the quick-buy page shows a total cost clearly higher than spot trading, you can compare "deposit funds or buy USDT first, then trade in the spot market".

Does P2P buying USDT charge a fee?

In ordinary P2P trading, the platform usually does not charge an extra ordinary trading fee like the 0.10% spot fee for regular buyers — but that does not mean there is no cost. The main cost is the spread between the merchant's quote and the market price.

For example, if the market USDT price is 1.00 and a P2P merchant quotes 1.01, the spread is 0.01. If you buy 10,000 USDT, 0.01 × 10,000 = 100, so this hidden spread can be far higher than a spot trading fee.

So when buying USDT, do not only look at "is the platform fee 0" — also look at the merchant price, completion rate, order volume, payment method and risk-control conditions. Preparing your first deposit? See Binance buy USDT guide 2026: P2P purchase flow, choosing a merchant and payment.

How are Binance withdrawal fees calculated?

Binance withdrawal fees are usually not a fixed percentage of the withdrawal amount, but a specific fee shown by asset and the selected blockchain network.

For example, the same USDT may support Ethereum, BNB Smart Chain, Tron and other networks, and fees can differ a lot between networks. Fees also change with network congestion, blockchain cost, Binance adjustments and asset rules.

So this article does not recommend memorizing "this network is always 0.3 USDT" or "always 1 USDT" long-term. When actually withdrawing, the most accurate is to check the withdrawal page for the real-time estimated received amount and network fee.

Is the withdrawal fee related to the amount?

Many crypto withdrawals use a flat network fee rather than "withdrawal amount × percentage". This means if a network currently charges a flat 1 USDT, withdrawing 10 USDT costs about 10% of the amount, while withdrawing 1,000 USDT costs about 0.1% — a flat withdrawal fee hurts small withdrawals more.

Unless there is a special safety or fund-management need, withdrawing small amounts too frequently is usually less economical.

The most important thing about withdrawals is not the fee, but the network

The single most important rule when withdrawing: the sending network must match the network the receiving side supports.

For example, if the receiving address only supports TRC20 USDT, do not pick another network just because its fee is cheaper. Because a correct address ≠ a correct network — if the network is wrong, the assets may not arrive automatically, may need manual recovery, may incur extra recovery costs, and in severe cases may be unrecoverable.

Before your first withdrawal, see Sent to the wrong chain? Withdrawal network and wallet address (2026).

Where are Binance fees deducted from?

Scenario	How the fee usually appears	The most common misunderstanding
Spot buy	Charged directly when the order fills	The assets you actually receive may be slightly less
Spot sell	Charged again when the order fills	Selling is not free
U-margined futures	Calculated from the futures account balance	Based on position value, not margin
Funding fee	Settled between longs and shorts	Not an ordinary open/close fee
Withdrawal	Shows network fee and received amount on the withdrawal page	Not simply calculated as a percentage
Fee rebate	Usually settled later according to the rules	Does not change the rate to 0.06% at order time

Where do I see my real fees?

The rates in a guide only help understanding; what is truly accurate is your own account records.

• Spot: Trade → Spot → Orders → Trade history
• Futures: Futures → Orders → Trade history
• Rebate: Account center → Referral program → Rebate records

Entry names may change between app versions; go by the actual page in your account.

How do I calculate my real combined rate?

Export your trade records monthly or quarterly, then calculate:

Real combined rate = actual total fees ÷ total filled volume

For example, if a quarter's total volume is 100,000 USDT and actual fees are 70 USDT, the real combined rate is 70 ÷ 100,000 = 0.07%. This number is more meaningful than the standard rate table, because it already includes your actual Maker/Taker mix, VIP tier, BNB deduction, special pairs and promotional rates.

Which fee-saving method is most worth doing?

Ordinary users can handle it in this order.

Priority	Method	Who it suits
1	Confirm the fee rebate at sign-up	New users
2	Enable BNB deduction	Frequent spot or futures users
3	Reduce meaningless frequent trading	All users
4	Control the Taker ratio	High-frequency traders
5	Upgrade VIP	High-volume users

Ordinary users should first handle "rebate + BNB deduction"; once volume reaches VIP level, focus on optimizing Maker/Taker and VIP rates.

FAQ

What are Binance spot fees?

For ordinary users, the base spot fee is usually Maker 0.10%, Taker 0.10%. With BNB deduction it can drop to about 0.075%; if the account also actually enjoys a 20% fee rebate, the estimated net cost can drop further to about 0.06%.

How much is the fee to buy 1,000 USDT of BTC on Binance?

At the 0.10% base spot rate, 1,000 × 0.10% = 1 USDT. With BNB about 0.75 USDT, and BNB + 20% rebate estimated net cost about 0.60 USDT.

Are both buying and selling charged a fee?

Yes. Every actual fill is charged a fee again. Buying once and selling once is two fills, each charged separately.

Is a limit order always cheaper than a market order?

Not necessarily. If a limit order fills immediately after submission, it can still be a Taker. The real test is whether the order entered the order book to wait for a fill.

What are Binance futures fees?

The common base rate for ordinary U-margined futures is Maker 0.02%, Taker 0.05%. With BNB deduction, about Maker 0.018%, Taker 0.045%.

Does 10× leverage make the futures fee 10×?

The fee rate itself does not become 10×, but leverage magnifies the position notional value. For example, 1,000 USDT margin × 10× leverage is a position of about 10,000 USDT, and the fee is calculated on 10,000 USDT, not on the 1,000 USDT margin.

Is the funding rate a Binance fee?

No, it is not the same charge. Trading fees are incurred when opening and closing positions; the funding fee is settled between longs and shorts when a perpetual position crosses a funding settlement time.

What are Binance withdrawal fees?

There is no single long-term fixed number; withdrawal fees are shown in real time by asset, network and blockchain conditions. Check the Binance withdrawal page before actually withdrawing.

Are Binance withdrawal fees a percentage?

Many crypto withdrawals are not simply charged as a percentage, but as a specific fee shown by the current asset and network, so the same flat network fee hurts small withdrawals more.

Does Binance charge for on-chain deposits?

Binance usually does not charge an additional on-chain deposit fee for crypto, but the sender may charge withdrawal fees, gas and network fees.

Does P2P buying USDT have a fee?

Ordinary buyers usually have no extra ordinary trading fee, but the cost shows up in the merchant quote spread, so "zero fee" does not mean zero trading cost.

Do I need to buy a lot of BNB for the BNB deduction?

No — just keep enough to cover near-term fees. BNB itself has price volatility, and there is no need to hold a large amount just to save a small fee.

Where do I see BN522's 20%?

After registering, go to the "Referral program / rebate" page in your account, and confirm the referral code, the spot rate and the futures rate. Go by what the account actually shows.

If I am already registered, can I still add BN522?

The referral relationship is usually established at sign-up. An account that is already registered or already bound to another referral relationship generally cannot change its referral code like changing a nickname. Whether an old-user recall, rebinding or specific activity entry exists depends on the account's current eligibility and the platform's current rules.

Do zero-fee pairs still get a rebate?

If no trading fee was generated, there is no corresponding fee to rebate. Zero-fee pairs and special activity trades are calculated separately according to the activity rules.

Why does my actual charge differ from the calculation in this article?

Common reasons include: a different VIP tier, using a special-rate pair, a different Maker/Taker type, insufficient BNB balance, BNB deduction not enabled, zero-fee promotions, a changed closing amount, different region or account conditions, and the rebate not yet settled. Go by the trade history + rebate records + the account fee page.

How to choose in the end?

If you are just an ordinary spot user, remember three numbers: 0.10% → 0.075% → 0.06%, representing the base spot rate → BNB deduction → estimated net cost with the 20% rebate.

If you trade U-margined futures, focus on Maker 0.02%, Taker 0.05%, and that the fee is calculated on the whole position notional value, not the margin.

Fees are worth optimizing, but do not add hundreds or thousands of dollars of trading risk just to save a few dozen dollars of fees. What truly affects long-term results is usually trading frequency, leverage, position size, slippage and risk control. BN522 and the BNB deduction can lower part of your trading cost, but they cannot lower the market's own risk.

Preparing your first deposit? See Binance buy USDT guide 2026: P2P purchase flow, choosing a merchant and payment.

Related articles

• Binance referral code 2026: which code really gets 20% rebate? BN522 verified — the actual rebate effect and credit records of the BN522 code
• Binance old-user referral rebinding: what conditions apply? Is the 150k volume requirement worth it (2026) — whether a rebinding eligibility exists after you are already registered
• Binance vs OKX: which is better for beginners? A 5-dimension comparison — beyond fees, compare liquidity, products, security and usability

Data verification notes

The key facts in this article were checked against Binance's official fee and help documentation on 2026-10-16, item by item:

1. Base rates: for ordinary users, spot Maker/Taker are both 0.10%; U-margined futures Maker 0.02%, Taker 0.05%. Source: Binance official fee schedule.
2. Maker and Taker: a Maker adds liquidity to the order book; a Taker immediately matches existing orders and consumes liquidity. Source: Binance Help — What Are Maker and Taker.
3. Futures BNB discount: using BNB to pay U-margined futures fees gives a maximum discount of about 10%. Source: Binance Help — BNB Fee Deduction.
4. BNB deduction rates: for ordinary users, up to about 25% on spot and up to about 10% on U-margined futures. Source: Binance Help — BNB Fee Deduction.
5. Rebate and cashback: referrer commission is the reward the referrer earns; invitee cashback is the fee refund the registering user receives. The actual rate follows the account display. Source: Binance Help — Referral Pro Mode FAQ.
6. VIP evaluation: VIP tiers are evaluated periodically by 30-day trading volume, BNB holdings, asset scale and other metrics. Source: Binance Help — VIP Program.

Risk warning

The "20% fee rebate" described here should follow the sign-up page, the account's referral program page and the actual rebate records.

Rebate eligibility, rate, applicable products, settlement asset, settlement time and duration may be affected by VIP tier, region restrictions, special pairs, zero-fee promotions, platform policy and other factors.

The 0.06%, 0.036%, "save 40%", "save 28%" figures are example net costs calculated from the corresponding base rates, the BNB deduction and a 20% rebate rate; they do not mean every account will show the same numbers.

If Binance later adjusts its rates, BNB discount or referral rules, go by Binance's official pages and your account's actual records.

Digital asset prices are volatile, and futures trading also carries leverage risk, liquidation risk, slippage, funding fees and the risk of rapid loss. This article is for learning and reference only, not investment advice.