💰 How to Calculate Binance Fees - 2026 Guide

Spot · Futures · Withdrawal · BNB Discount · VIP

Binance is the world largest crypto exchange. Fees are unavoidable costs in every trade. This guide explains Binance 2026 fees completely.

Fee Overview 2026

Type	Standard	BNB Discount
Spot Maker/Taker	0.1000%	0.0750%
Futures Maker	0.0200%	0.0180%
Futures Taker	0.0500%	0.0450%
USDT Withdraw TRC20	1 USDT	-
USDT Withdraw ERC20	15-20 USDT	-
BTC Withdraw	0.0002 BTC	-

Spot Fees

Maker: limit orders on the book. Taker: market orders filling immediately. VIP0: both 0.1%. With BNB: 0.075%. Example: Buy 1 BTC at 42,000 USDT Taker = 42 USDT fee. With BNB = 31.5 USDT. Save 10.50 USDT per trade.

Futures Fees

USDM perpetual: Maker 0.02%, Taker 0.05%. Fee = Notional x Rate. 1,000 USDT at 10x = 10,000 USDT notional. Open + close Taker = 10 USDT total. Funding rate every 8h (+-0.01-0.1%): negligible for day traders, important for overnight holds.

Enable BNB Discount

Step 1

Buy BNB, keep in Spot wallet.

Step 2

Profile - Fee Rate - Toggle BNB fee discount ON. Spot: 25% off.

Step 3

Futures settings - Enable BNB discount (10% off).

Withdrawal Fees

Asset	Network	Fee	Tip
USDT	BEP20	0.8 USDT	Best
USDT	TRC20	1 USDT	Good
USDT	ERC20	15-20 USDT	Avoid!
BTC	Bitcoin	0.0002 BTC	~12 USDT

VIP Levels

VIP	30D Volume/BNB	Spot M/T	Futures M/T
0	None	0.100%/0.100%	0.020%/0.050%
1	1M USDT/25BNB	0.090%/0.100%	0.016%/0.040%
2	5M USDT/75BNB	0.080%/0.100%	0.014%/0.035%

5 Ways to Reduce Fees

1. Enable BNB Discount

25% off spot, 10% off futures. Instant, no requirements.

2. Use Limit Orders (Maker)

Futures Maker 60% cheaper than Taker.

3. Low-Fee Withdrawal Network

USDT: BEP20/TRC20 only. Never ERC20.

4. Batch Withdrawals

Fixed fee per tx. Combine small withdrawals to save 90%.

5. Internal Transfers

Free between Binance accounts via UID/email.

FAQ

Q1: Spot trading fees?

Standard 0.1% Maker/Taker. BNB discount: 0.075%. VIP1 Maker: 0.09%.

Q2: How to calculate futures fees?

Fee = Notional x Rate. 1000 USDT at 10x = 10000 notional. Round-trip Taker = 10 USDT.

Q3: How to enable BNB discount?

Profile > Fee Rate > Enable BNB discount. Keep BNB in spot wallet.

Q4: Withdrawal fees?

USDT TRC20: 1 USDT. BEP20: 0.8 USDT. ERC20: 15-20 USDT (avoid!). BTC: 0.0002 BTC.

Q5: How does VIP level affect fees?

VIP1 needs 1M USDT volume or 25 BNB. Spot Maker drops to 0.09%.

Q6: Referral code benefits?

Q7: What is the funding rate?

8-hourly cost on futures positions. Longs pay shorts when positive. Usually +-0.01-0.1%. Day traders ignore, overnight holders must factor in.

New Users Get Fee Discounts - Use Code BNAPP

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