Binance Fees Explained: Maker, Taker, BNB and What Comes Back
Binance's real spot and futures rates, when the BNB discount is worth holding, and the levers that cut an active trader's yearly bill.
- Binance charges 0.10% per side on spot and 0.02% maker and 0.05% taker on USDT perpetuals at the regular tier.
- A trader moving 5M USDT a month pays about 30,000 USDT in taker fees per year on Binance.
- Paying fees in BNB cuts spot fees by 25% and futures fees by 10%, at the cost of holding BNB price risk.
- Trade Reclaim pays back 30% of every Binance trading fee, and it stacks with the BNB discount.
- Funding payments cannot be discounted by anyone. Trading fees are the lever that moves.
Binance advertises fees from 0.02%, but the rate an average futures trader actually pays per taker fill is 0.05%, and on spot it is 0.10%. Across an active year those basis points become a 5 figure line item. Run your own number, then look at which discounts actually stack.
What Binance actually charges
Binance charges 0.10% per side on spot, and 0.02% maker and 0.05% taker on USDT perpetuals at the regular tier.
Orders that rest in the book pay maker, orders that execute against it pay taker, and on futures the gap is 2.5x. Within the big 3, Binance's stock futures rates tie OKX for the lowest, and BNB payment is the only token discount of its kind among them. The current schedule per tier is in the official Binance fee schedule, and we maintain the full breakdown, VIP ladder included, on our Binance fees page.
Futures positions also exchange funding every 8 hours. Funding is a transfer between longs and shorts that Binance passes through, so it shows up in your PnL but cannot be discounted by any program, including BNB.
What a year of Binance trading costs
At 5M USDT of monthly volume, taker fees on Binance run about 30,000 USDT a year.
The yearly bill builds the way every fee does: a 30,000 USDT position is charged on open and on close, so one round trip moves 60,000 USDT of notional. Two trades a day puts the month at 5M USDT and the year at 60M, which the 0.05% taker rate turns into 30,000 USDT. Pure maker flow cuts the same year to 12,000.
Feed your own size and pace into the cashback calculator; it returns the bill and the refund side by side.
The levers that cut your Binance bill
Four levers move what you pay on Binance: cashback, the BNB discount, maker orders, and VIP tiers.
Cashback comes first because it has no entry bar: Trade Reclaim returns 30% of every Binance trading fee from your first trade, and the setup lives on the Binance cashback page. Second is paying fees in BNB, which Binance discounts by 25% on spot and 10% on futures.
Third, maker fills price at 0.02% instead of 0.05% on futures. Fourth, the VIP ladder steps both rates down as volume grows. Every lever on this list stacks with every other one.
| Fee type | Standard | With 30% back |
|---|---|---|
| Spot maker | 0.10% | 0.07% |
| Spot taker | 0.10% | 0.07% |
| Futures maker | 0.02% | 0.014% |
| Futures taker | 0.05% | 0.035% |
| Futures taker + BNB | 0.045% | 0.0315% |
Regular tier. BNB row: 10% BNB discount applied first, then 30% cashback on the lower fee.
How the 30% cashback works
Trade Reclaim returns 30% of your Binance trading fees in USDT, withdrawable anytime once 20 USDT accumulate.
Binance pays referral commission on the fees of every referred account. Coming in through the affiliate link makes Trade Reclaim that referrer, and most of the commission is routed back to you. Binance charges you exactly what it would anyway, BNB discount included. Identification runs over your UID alone: paste it in once, the affiliate dashboard picks up your trades, and the 30% starts counting. API keys or account access are never part of the setup. Details are on the how it works page.
The order of operations works in your favor: BNB lowers the fee first, then 30% of that lower fee comes back. The discounts multiply, they do not cancel each other.
When the BNB discount is worth it
The BNB discount is worth it if you would hold BNB anyway. It is a position, not free money.
Paying fees from a BNB balance cuts spot fees from 0.10% to 0.075% and futures taker fees from 0.05% to 0.045%. On 60M USDT of yearly futures volume that saves 3,000 USDT. The catch: you hold BNB to do it, and a 10% move in BNB on a 30,000 USDT balance is 3,000 USDT, the entire yearly saving, gained or lost. Stacked with cashback the chain on futures looks like this: 0.05% with BNB becomes 0.045%, and 30% back brings the net cost to 0.0315%. If you are weighing Binance against the other big venue, the Bybit vs Binance comparison runs both schedules side by side.
Are Binance fees competitive in 2026?
Yes. Binance's stock rates already sit at the cheap end, and BNB plus 30% back pushes the net cost below almost everything else.
With cashback alone, effective regular rates land at 0.035% taker and 0.014% maker on futures. With BNB stacked on top, the taker net drops to 0.0315%. Where that ranks among the 10 platforms we track is in the exchange fee comparison, and the mechanics behind fee cashback are in the cashback guide.
What would 30% back be worth on Binance?
Position size and trades per day in, your yearly Binance fee bill and the USDT return out.
Takes 20 seconds.
Frequently asked questions
What are Binance trading fees for regular users?
Spot costs 0.10% per side. USDT perpetuals cost 0.02% maker and 0.05% taker. BNB payment discounts these by 25% on spot and 10% on futures.
What is the Binance fee discount for BNB?
Paying fees from a BNB balance cuts spot fees by 25% (0.10% to 0.075%) and futures fees by 10% (0.05% taker to 0.045%). It requires holding BNB, which carries its own price risk.
Are Binance withdrawal fees high?
They are fixed per coin and network and track the network cost, so usually no. The cost that compounds is trading: at 5M USDT monthly volume, taker fees alone reach about 30,000 USDT a year.
Do BNB or VIP discounts apply to Binance funding fees?
No. Funding is exchanged between long and short traders; Binance only passes it through, so no discount touches it. Trading fees are reducible: Trade Reclaim returns 30% of them, stacking with BNB.
Is Binance cheaper than Bybit?
On futures taker fees, slightly: 0.05% versus 0.055%, with maker rates equal at 0.02% and spot equal at 0.10%. The BNB discount widens the gap for traders willing to hold BNB.
How do I get lower fees on Binance without VIP status?
Three ways work from day 1: pay fees in BNB for the 10% to 25% discount, fill orders as maker where possible, and connect your UID to Trade Reclaim for 30% of every fee back.
Sofia Dani is Head of Marketing at Trade Reclaim, based in Switzerland. She earned a Bachelor of Arts at the University of Lucerne and went on to complete a Master's degree. She has little patience for products that win by confusing people, and covers crypto exchanges, their products, and what trading actually costs.
Trade Reclaim earns from exchange referrals and shares most of it back to you as cashback. Education, not financial advice.