Binance takes its trading fee as a slice of what you trade, once when you buy and once when you sell: trade value × rate = the fee for that side. On spot, a regular user pays 0.1% as maker and as taker, or 0.075% when paying with BNB. On USDⓈ-M futures with USDT margin, a regular user pays 0.02% maker and 0.05% taker, or 0.018% / 0.045% with the 10% BNB discount. Deposits cost nothing; each withdrawal carries a flat fee set by the blockchain network you send on. Those are the rates on Binance's fee pages as checked in November 2026, and the live page is what counts when you trade.
One thing changes on the futures side: the fee is charged on position value, not on the margin you put up. Turn on leverage and the same rate lands on your margin several times heavier. Section 3 runs a 10x example.
- Spot rates for regular users, with a worked example
- Maker vs taker: how the rate splits
- Futures fees: the table, the formula, a 10x example
- Deposit and withdrawal fees
- Paying with BNB: 0.1% becomes 0.075%
- VIP tiers and account rates
- Invite codes and sign-up-page verification
- Check combinations on the account page
- FAQ
1. Spot rates for regular users, with a worked example
This is the regular-user row of the spot table on Binance's fee page, rechecked in November 2026 with the same numbers as in October. Binance does change it, so whatever the page shows when you open it is what applies.
| Regular user (VIP 0) | Maker | Taker |
|---|---|---|
| Standard | 0.100% | 0.100% |
| Paying fees with BNB (BNB 25% off) | 0.075% | 0.075% |
USDC pairs have their own set of rates further along the same table; they're not shown here.
One round trip, as an example rather than a Binance quote: buy 1,000 USDT worth, then sell it a few days later for 1,000 USDT.
- Without BNB: 1,000 × 0.1% = 1 USDT on the buy, another 1 USDT on the sell, 2 USDT for the round trip.
- With BNB: 1,000 × 0.075% = 0.75 USDT worth of BNB each side, 1.5 USDT in total, half a USDT saved.
On a single trade the gap is small. Grid bots are where fees pile up. Say a grid fills 40 orders a day at 50 USDT each: about 2 USDT a day at 0.1%, about 1.5 USDT at 0.075%, roughly 15 USDT apart over a month. If each grid level only nets a few tenths of a percent, that is the line between a profit and a loss.
2. Maker vs taker: how the rate splits
Binance prices your fee differently depending on whether your order is a "maker" or a "taker."
- Maker: your limit order doesn't fill right away — it sits on the order book waiting for someone else to trade against it. You're adding liquidity to the market.
- Taker: your order immediately fills against orders already resting on the book (a market order, or a limit order that fills instantly). You're removing liquidity.
At the regular-user tier, spot maker and taker cost the same, 0.1% each; a cheaper maker rate starts at VIP 1 (section 6). So on a new account the reason to use limit orders is control over your price, not a fee discount. Futures is a different story: 0.02% maker against 0.05% taker, so a taker fill costs two and a half times as much. For why a resting limit order sits there, read why is my limit order not filling.
3. Futures fees: the table, the formula, a 10x example
Spot and futures are two separate fee schedules. These are the two USDT-margined rows from the USDⓈ-M section of Binance's futures fee page (checked November 2026; the live page wins):
| Tier (30-day volume · BNB balance) | Maker / Taker | With BNB (10% off) |
|---|---|---|
| Regular user (< 5,000,000 USD · ≥ 0 BNB) | 0.0200% / 0.0500% | 0.0180% / 0.0450% |
| VIP 1 (≥ 5,000,000 USD · ≥ 5 BNB) | 0.0180% / 0.0500% | 0.0162% / 0.0450% |
In the two USDT-margined rows above, VIP 1 trims only the maker side, as on spot. USDC- and USD1-margined contracts get their own pair of numbers: 0.0000% maker and 0.0400% taker for a regular user, with taker at 0.0360% after the BNB discount.
The futures fee page also runs a time-limited promotion banner for U (United Stables)-margined perpetuals. That is a separate promotion from the USDT rows above; its terms and end date are on the page, and we don't treat it as a standard rate.
The formula works on position value
Binance's help center puts it in two lines: Trading Fee = Position Value × trading fee rate, and Position Value = Contract Size × execution price.
Leverage isn't in either line. Reading the formula (this part is our inference, not Binance's wording): leverage decides how big a position your margin opens, so it scales the fee from the position-value side.
An example with our own assumed numbers, not a Binance quote:
- 100 USDT of margin at 10x opens a 1,000 USDT position.
- Open with a market order, charged as taker: 1,000 × 0.05% = 0.5 USDT.
- Close with a limit order that fills as maker: 1,000 × 0.02% = 0.2 USDT.
- Open plus close: 0.7 USDT, which is 0.7% of the 100 USDT you put in.
Take the same 100 USDT through a spot round trip at 0.1% and you pay 0.2 USDT. The futures rate looks like a fraction of spot, yet against the cash you actually committed it weighs more, because the money got multiplied at the step where margin became a position and the fee follows the position. With BNB already in the futures account, that round trip comes to 0.63 USDT (0.045% in, 0.018% out).
BNB only counts once it's been transferred
Spot gives 25% off for BNB; futures gives 10%. The catch is a step people skip: the BNB has to be moved from your exchange account into your USDⓈ-M Futures account. If it isn't there, the system takes the fee in USDT and you don't get the discount (Binance help center FAQ on futures fees, updated 2026-05-01).
On a small position that you don't open and close often, parking BNB in the futures wallet for this isn't something we'd bother with. In the example above it saves 0.07 USDT a round trip.
Funding: the cost spot doesn't have
Futures also carries a cost spot doesn't have at all — the funding rate. It settles between longs and shorts every few hours; when your position leans against the market's bias you pay it, and when it leans with the market you may receive it. Hold long enough and this quietly compounds, so a futures grid or any longer-term position has to fold it into the cost. To size up this piece on its own, use the funding-rate cost calculator.
4. Deposit and withdrawal fees
Deposits are free. Binance's crypto fee page says it plainly: “Binance does not charge deposit fees.”
Withdrawals are not. Each one carries a flat fee, paid to cover the transaction cost of moving the crypto out of your Binance account. The network sets the rate, and Binance notes it “can fluctuate without notice due to factors such as network congestion”, pointing you to the figure on each withdrawal page (checked November 2026).
That's why there's no per-coin fee list here. The same coin sent over a different network can cost a different amount, and any number we printed would go stale. The fee shown on the withdrawal page when you send is the one you pay.
5. Paying with BNB: 0.1% becomes 0.075%
The spot fee table has a “BNB 25% off” column. When you choose to pay fees in BNB, a regular user pays 0.075% as maker and as taker, which is 25% off the 0.1% base (checked November 2026; Binance can change it at any time). Futures works differently, with 10% off and a transfer first; see section 3.
The saving is 0.025% of trade value: 2.5 USDT on 10,000 USDT traded. Buying a pile of BNB just to get it rarely adds up, because a few percent drop in BNB wipes the saving out. If you already hold some BNB, paying fees with it is the easy option.
6. VIP tiers and account rates
Above the regular tier sit VIP 1 to VIP 9. Spot VIP 1 is 0.090% maker and 0.100% taker, so only the maker side drops; with BNB it is 0.0675% / 0.075%. The VIP 1 row asks for ≥ 1,000,000 USD in 30-day volume and ≥ 5 BNB (Binance spot trading fee rate page, checked November 2026). Other routes into VIP are set out on Binance's VIP program page.
Futures tiers sit much higher. Binance's help center says the volume requirement for each futures VIP tier is five times the spot one, because of the leverage involved; the futures fee page bears that out, with VIP 1 at 5,000,000 USD against spot's 1,000,000.
If you run grid bots, one line on the spot fee page matters: “Trade volume includes all Spot volumes from Spot, Margin, Convert, Copy Trading and Trading Bots.” Every fill your bot makes adds to that 30-day figure.
At 0.1%, a million dollars of monthly volume is 1,000 USD in fees. Don't trade more just to chase a tier; the extra fees and risk outweigh the rate difference.
7. Invite codes and sign-up-page verification
A promoter commission and a user benefit are not the same thing. Eligible invited users can get up to 20% of their trading fees back; the actual percentage, duration and eligibility are whatever the sign-up page shows at the time.
If you choose to use the link, verify the code, regional availability, rate, and terms on Binance's sign-up page. Do not expect a benefit that the page does not display.
8. Check combinations on the account page
Whether BNB payment, a VIP rate, and an invite benefit exist together or combine depends on the account, product, region, and Binance's current rules. This site no longer uses guaranteed “stacks” or “costs nothing” wording.
For a decision, enter the current rate shown in your account into the fee calculator for a scenario estimate. The tool calculates user inputs and is not a current platform quote. Lower fees do not remove trading risk.
FAQ
Are Binance spot and futures fees the same?
No. On spot, a regular user pays 0.1% as maker and as taker, or 0.075% when paying fees with BNB. On USDⓈ-M futures with USDT margin, a regular user pays 0.02% maker and 0.05% taker, or 0.018% / 0.045% with the 10% BNB discount, which only applies once BNB sits in the USDⓈ-M Futures account (Binance fee pages, checked November 2026; the live page wins). Futures fees are charged on position value, and holding a position adds funding on top.
How much does paying fees with BNB actually save?
For a regular spot user the rate drops from 0.1% to 0.075%; the fee page labels that column “BNB 25% off” (checked November 2026). On a 1,000 USDT fill that is 0.75 USDT instead of 1 USDT. Weigh the price risk of holding BNB against a saving that size. On futures the discount is 10%, and the BNB has to be transferred to the futures account first.
What are VIP tiers and referral rebates, and can I use both?
VIP tiers cut the rate based on trading volume, BNB holdings and other conditions; spot VIP 1 is 0.090% maker and 0.100% taker. A referral code gives eligible invited users a return on trading fees, with the percentage and duration shown on the sign-up page at the time. We have not found a public Binance rule on how these combine, so go by what your account fee page and the sign-up page show.
Does Binance charge for deposits and withdrawals?
Deposits are free. Each withdrawal costs a flat fee that depends on the blockchain network and can change without notice when the network is congested, so go by the figure on the withdrawal page when you send (Binance crypto fee page, checked November 2026).
How do I quickly estimate the fee on a trade?
One side of a trade costs trade value × your rate; work out the buy and the sell separately. Example: at the regular 0.1%, a 500 USDT fill costs 0.5 USDT. Put the rate your account currently shows into this site's fee calculator to run the full round trip; numbers in the tool illustrate the formula and are not a Binance quote.
Spot rates, the VIP 1 row and the trade-volume note come from Binance's spot trading fee rate page; USDⓈ-M futures rates from Binance's futures fee rate page; the futures fee formula, the BNB transfer rule and the 5x VIP volume note from Binance's help center FAQ on futures fees (updated 2026-05-01); deposit and withdrawal fee wording from Binance's crypto fee page (binance.com/en/fee/cryptoFee). All checked November 2026. Invite benefits and your account's actual rate follow the sign-up page, your account fee page and the applicable terms. This article is not investment advice.