How Binance Fees Are Calculated: 0.1% on Spot, 0.075% With the BNB Discount
A Regular User on Binance pays 0.1% of the filled amount on a spot trade, and the rate is the same whether the order is a maker or a taker. Switch on paying fees with BNB in your account and you get 25% off, which brings it to 0.075%. There is only one formula: filled amount × fee rate.
Take a 10,000 USDT buy order: 10,000 × 0.1% = 10 USDT. With the BNB discount on, it is 10,000 × 0.075% = 7.5 USDT. Without the discount, the fee on a buy comes out of the coins you receive, so 10 USDT is the equivalent value; with the discount on, it is paid from the BNB in your spot wallet instead. The rates in this guide come from Binance's spot and USDⓈ-M futures fee pages and its help article on paying fees with BNB, and they are current as of October 2026. If Binance changes them, go back to the official pages for the current table.
How to read Binance's spot fee table: one maker rate, one taker rate
The spot table is on the "Spot & Margin" tab of Binance's official fee schedule. Each row is one level, and the columns run left to right: Level, 30D Trade Volume (USD), and/or, BNB Balance, Maker / Taker, and Maker / Taker with "BNB 25% off". Further right are two more columns for USDC pairs; this guide only works with the two before them.
The "Maker / Taker" column holds two numbers: maker before the slash, taker after it. Binance's note on the column header says makers add liquidity by placing orders on the order book, and takers remove it by matching immediately against orders already there. In practice: if your limit order sits on the book waiting for someone to trade against it, you are the maker; if your order matches an order already on the book the moment you send it, you are the taker.
The Regular User row reads 0.100% / 0.100%, the same on both sides. So on spot, "switch to limit orders to save on fees" doesn't hold for a Regular User. What a limit order does is let you set your own fill price. A maker rate below the taker rate first appears at VIP 1: 0.090% / 0.100%.
The "and/or" column decides how the thresholds combine. For a Regular User it is 30-day volume < 1,000,000 USD "or" BNB balance ≥ 0, which amounts to no threshold at all. For VIP 1 it is 30-day volume ≥ 1,000,000 USD "and" BNB balance ≥ 5, and both conditions have to be met.
| Level | Threshold | Maker / Taker | Paying with BNB |
|---|---|---|---|
| Regular User | 30-day volume < 1,000,000 USD or BNB ≥ 0 | 0.100% / 0.100% | 0.07500% / 0.07500% |
| VIP 1 | 30-day volume ≥ 1,000,000 USD and BNB ≥ 5 | 0.090% / 0.100% | 0.06750% / 0.07500% |
What it costs to buy 10,000 USDT of crypto or sell 10 ETH
Buys and sells use the same formula. The difference is which coin the fee is taken in. Going by the examples in Binance's help article on the BNB discount, the fee is calculated in the asset you receive from the trade: on a buy you receive the coin, on a sell you receive USDT.
Buying. Say you are a Regular User with the BNB discount off, and you place a 10,000 USDT buy order: 10,000 × 0.1% = 10 USDT, and that fee is deducted from the coins you bought. The example on Binance's page is buying 10 ETH at a price of 3,452.55 USDT: 10 ETH × 0.1% = 0.01 ETH, so 0.01 of the 10 ETH you bought goes to the fee. With the BNB discount on, the same trade is 10 ETH × 0.075% = 0.0075 ETH, and that amount is converted to BNB and paid in BNB.
Selling. The other example on Binance's page is selling 10 ETH at 3,452.55 USDT. The filled amount is 10 × 3,452.55 = 34,525.5 USDT, and the fee is 34,525.5 × 0.1% = 34.5255 USDT, deducted from the USDT you receive. With the BNB discount on it is 34,525.5 × 0.075% = 25.894125 USDT, which is 8.631375 USDT less.
| Filled amount | Discount off (0.1%) | BNB discount on (0.075%) | Difference |
|---|---|---|---|
| 1,000 USDT | 1 USDT | 0.75 USDT | 0.25 USDT |
| 10,000 USDT | 10 USDT | 7.5 USDT | 2.5 USDT |
| 34,525.5 USDT (the example on Binance's page) | 34.5255 USDT | 25.894125 USDT | 8.631375 USDT |
A buy and a sell are two fills, and each one is charged. Buy with 1,000 USDT and later sell for the same amount: with the discount off that is 1 + 1 = 2 USDT, and with it on, 0.75 + 0.75 = 1.5 USDT. To run your own numbers, put them into our fee calculator.
Where to turn on the BNB fee discount and how much it takes off
The discount is a fixed percentage: 25% off spot and margin trading fees, and 10% off futures trading fees. 0.1% × (1 − 25%) = 0.075%, which is the number in the "BNB 25% off" column of the fee table. Binance's help article also says the 25% discount stays in place until further notice.
Where the switch is, following the steps in Binance's help article on using BNB to pay fees:
- Website: on the spot trading page, open the fee level panel and toggle the option to pay fees with BNB for the 25% discount. You can also turn it on from the fees and trading overview page.
- App: go to the account center, tap Settings at the top right, then the BNB discount entry, and switch on the toggle for paying trading fees with BNB. The other route is Trade, then Spot: tap the "..." settings icon and choose the fees option.
Turning the switch on isn't enough by itself; the spot wallet has to hold enough BNB. The help article states that if your BNB balance is insufficient, you are charged the full fee from the fee schedule, and the full fee also applies while the switch is off. BNB's price moves up and down, so how much to keep in your spot wallet is your call.
Binance futures fees are a separate table: 0.02% maker, 0.05% taker
Futures don't use the spot rates above. On Binance's USDⓈ-M futures fee page, the USDT maker / taker rate for a Regular User is 0.0200% / 0.0500%. Maker and taker are priced differently there, unlike spot at the Regular User level. Paying with BNB takes 10% off on futures, and the table shows 0.0180% / 0.0450%. The Regular User volume threshold is also different from spot: the futures table says 30-day volume < 5,000,000 USD.
On a USDⓈ-M futures trade with a filled amount of 10,000 USDT, the fee is 10,000 × 0.05% = 5 USDT as a taker and 10,000 × 0.02% = 2 USDT as a maker. With the BNB discount on, those become 10,000 × 0.045% = 4.5 USDT and 10,000 × 0.018% = 1.8 USDT. Opening and closing a position are two fills, each charged separately. Futures are leveraged; this section covers the rates only, not how to trade them.
How much volume Binance VIP 1 takes, and is it worth churning trades to get there?
On the spot fee table, VIP 1 requires 30-day volume ≥ 1,000,000 USD and a BNB balance ≥ 5, both at once. At that level the maker rate drops from 0.100% to 0.090% while the taker rate stays at 0.100%; paying with BNB, it is 0.06750% / 0.07500%.
The arithmetic shows why churning volume to level up isn't worth it: 1,000,000 USD of volume at 0.1% costs 1,000 USD in fees. Once you reach VIP 1 the maker rate is only 0.01 percentage points cheaper, so on the same 1,000,000 USD of maker fills the saving is 1,000,000 × 0.01% = 100 USD.
Withdrawal fees aren't on this fee table
The withdrawal fee charged when you move coins out of Binance is calculated separately from the trading fees above. The amount differs for every coin and every network, and Binance's fees and trading overview has a separate deposit and withdrawal page where you can look it up. When you actually withdraw, the withdrawal page also shows what that transfer will cost once you've picked the coin and the network. Before choosing a network, confirm which one the receiving address supports; for what happens if you pick the wrong one, see sent to the wrong chain: can you get it back?
Register on Binance with an invite code for up to 20% off fees
Enter an invite code when you register on Binance and it attaches a fee discount of up to 20% to the account. Our invite code is below; for which field it goes in, see how to use a Binance invite code. Binance's referral programme has regional exceptions, Hong Kong residents among them; the full list is under the Hong Kong question in that guide.
To see how much was actually taken off, check the fee in your order record after a trade fills; the percentage may change with Binance's policy.
Whether an invite code missed at sign-up can still be added, and on what conditions, is covered in the invite-code guide, under can you add the code later?
FAQ
If a limit order fills the moment I submit it, is that maker or taker?
Taker. Binance describes a taker as removing liquidity by matching immediately against existing orders, so what counts is whether your order matched an order on the book straight away, not whether you placed a limit or a market order. For a Regular User on spot both sides are 0.1%, so the distinction only shows up in the fee from VIP 1. On USDⓈ-M futures it matters for a Regular User already: 0.02% versus 0.05%.
With the BNB discount on, why isn't the estimated fee on the order page shown in BNB?
Binance's explanation is that at the moment you place the order, the system doesn't yet know the actual filled amount, so it only shows an estimated fee in the coin you will receive. To see what was finally charged, check your trade history after the order fills.
When I pay fees in BNB, how is the BNB amount worked out?
The discounted fee is calculated in the coin you receive, then converted to BNB at the market price when the trade fills. The examples in Binance's help article: the 10 ETH sell comes to 25.894125 USDT after the discount, and assuming a BNB/USDT price of 220, 25.894125 ÷ 220 is about 0.11770057 BNB. The 10 ETH buy comes to 0.0075 ETH, and assuming a BNB/ETH price of 0.15, 0.0075 ÷ 0.15 = 0.05 BNB.
If you haven't placed an order yet, the steps for buying are in buying USDT/BTC on Binance for the first time.