Binance Discount 2026: Save Up to 40% on Trading Fees Updated May 2026

The complete guide to reducing your Binance trading costs with referral codes, BNB payments, and VIP tier benefits. Data verified against official Binance fee schedules.

40%Max Spot Savings
20%Referral Discount
25%BNB Spot Bonus
💰
Your Potential Savings
Stacked discount calculation
  • Base Spot Fee0.100%
  • Referral Code (-20%)0.080%
  • BNB Payment (-25%)0.060%
Effective Rate0.060%

That is 40% less than standard fees

What Is Binance Discount and Why It Matters

Binance discount refers to the various fee reduction mechanisms available on Binance, the world's largest cryptocurrency exchange by trading volume.

💡 Key Insight

Standard Binance spot trading fees start at 0.100% per transaction (0.100% maker, 0.100% taker). For a trader executing $100,000 in monthly volume, that is $100 in fees per side. With proper discount stacking, you can reduce this to 0.060%—saving $40 per $100,000 traded.

📊 How Discounts Stack (Correct Math)

Discounts apply sequentially, not additively. Starting from 0.100%: first apply the 20% referral discount (→ 0.080%), then apply the 25% BNB discount on the remaining amount (→ 0.060%). The total reduction is 40%, not 45%. For futures, BNB discount is only 10%, yielding a 28% total reduction for makers.

4 Types of Binance Discounts in 2026

Combine these methods to maximize your fee reduction and trading profitability.

🎁

Referral Code Discount

Get a 20% lifetime discount on spot trading fees and 10% off futures fees when you register with a valid referral code [UPBNB]. This is the most accessible discount for new users and cannot be added to existing accounts.

20% OFF Spot
🪙

BNB Fee Payment

Enable "Using BNB for fees" in your account settings and hold BNB in your spot wallet to receive a 25% discount on spot fees and 10% discount on futures fees. Does not apply to withdrawals or fiat transactions.

Up to 25% OFF
👑

VIP Tier Benefits

Climb the 9-level VIP system based on 30-day trading volume and BNB holdings. VIP 9 users enjoy fees as low as 0.011% for spot makers and 0.000% (zero) for futures makers. Updated March 2026 with lower entry thresholds.

Up to 89% OFF
🎉

Sign-Up Bonuses

New users completing KYC and first trades can unlock welcome bonuses up to $19800 USDT in trading fee credits within 30 days. Visit the Rewards Hub after registration to claim tasks.

$19800 Bonus

VIP Rising Star: Start Saving with Just $30K in Assets

Launched March 2026, this new entry-level VIP pathway lets smaller traders access discounted fees without massive volume requirements.

RequirementVIP Rising StarStandard VIP 1
30-Day Trading VolumeNo minimum≥ $1,000,000 equivalent
Asset Net Worth≥ $30,000No specific requirement
BNB Holdings≥ 5 BNB≥ 5 BNB
Spot Maker Fee0.090%0.090%
Spot Taker Fee0.100%0.100%
🎯 Who Should Use This?

If you hold ≥ $30,000 in crypto assets on Binance and at least 5 BNB, you qualify for VIP Rising Star automatically. Your VIP level is assessed daily at 00:00 UTC and updated at 01:00 UTC. No manual application required.

How to Maximize Your Binance Discount

Follow these steps to unlock the maximum fee reduction. Order matters—some actions are irreversible.

Check VIP Rising Star Eligibility

Before registering, check if you already hold ≥ $30K in assets and ≥ 5 BNB. If so, you will automatically qualify for reduced fees once your account is funded.

Register with Binance Referral Code [UPBNB]

Use a verified referral code during signup. This is your only chance—codes cannot be added to existing accounts later. This grants 20% off spot fees for life.

Complete KYC Verification

Upload your passport or driver's license and complete facial recognition to unlock higher limits, bonus eligibility, and full fee discount access.

Enable BNB Deduction

Go to Dashboard → More → Settings → Trading Fee. Toggle "Using BNB for Fee Discounts" and maintain a BNB balance in your spot wallet to cover fees.

Claim Welcome Bonuses

Visit the Rewards Hub within 30 days to complete tasks and claim up to $19800 USDT in fee credit vouchers. These expire if unclaimed.

Monitor VIP Progress

Track your 30-day volume in the Fee Structure page. As volume increases, fees automatically adjust downward at 01:00 UTC daily. Target VIP 3 for meaningful reductions.

⚠️ Critical Warning

If you forget to enter a referral code during registration, you cannot add it later. You would need to create a new account with a different email address. Always double-check before submitting your signup form. The referral discount is permanent and applies to every trade for the life of the account.

Binance Spot Fee Schedule (Updated March 2026)

Official VIP tier rates after the March 2026 threshold reduction. Maker fees apply to limit orders that add liquidity; taker fees apply to market orders.

VIP Level30-Day Volume (USD)BNB HoldingsSpot MakerSpot Taker
Regular / VIP 0< $1M≥ 0 BNB0.100%0.100%
VIP 1≥ $1M≥ 5 BNB0.090%0.100%
VIP 2≥ $5M≥ 20 BNB0.084%0.090%
VIP 3≥ $20M≥ 50 BNB0.042%0.060%
VIP 4≥ $100M≥ 100 BNB0.030%0.045%
VIP 5≥ $250M≥ 200 BNB0.024%0.042%
VIP 6≥ $500M≥ 500 BNB0.018%0.036%
VIP 7≥ $1B≥ 1,000 BNB0.015%0.033%
VIP 8≥ $2.5B≥ 1,750 BNB0.012%0.030%
VIP 9≥ $5B≥ 3,000 BNB0.011%0.027%

Binance Futures Fee Schedule (USDⓈ-M)

Futures fees are inherently lower than spot. VIP 6+ futures makers pay zero fees—ideal for high-frequency strategies.

VIP Level30-Day Volume (USD)BNB HoldingsFutures MakerFutures Taker
Regular / VIP 0< $1M≥ 0 BNB0.020%0.050%
VIP 1≥ $1M≥ 5 BNB0.018%0.045%
VIP 3≥ $20M≥ 50 BNB0.009%0.036%
VIP 5≥ $250M≥ 200 BNB0.003%0.033%
VIP 6≥ $500M≥ 500 BNB0.000%0.027%
VIP 9≥ $5B≥ 3,000 BNB0.000%0.017%
💡 Pro Tip: Use Limit Orders to Become a Maker

When you place a limit order that does not immediately match an existing order (e.g., setting a buy price below market), your order is added to the order book as a "maker." Makers provide liquidity and pay significantly lower fees. At VIP 6 and above, futures maker fees are 0.000%—completely free.

* Fee data sourced from Binance Official Trading Fee Schedule (updated March 2026). Actual rates subject to change. Always verify on Binance.com before trading.

Fee Savings Calculator

See exactly how much you will save based on your trading style and discount stack.

$60.00
Estimated Monthly Fee (after all discounts)
$100.00
Without Discounts
$40.00
You Save
40%
Total Reduction

Frequently Asked Questions

Get answers to the most common questions about Binance discounts and fee structures.

How to Use BNB to Pay for Fees and Earn up to 25% Discount?

You can save up to 25% on Spot and Margin trading fees and up to 10% on Futures trading fees. If you are a VIP user, you can receive up to 25% discount in addition to your VIP discount.

To use BNB to pay for trading fees and get up to 25% discount, you must have BNB in your Spot Account and enable the [Using BNB Deduction] function first.

How to enable the [Using BNB Deduction] function on the Binance website?

There are several ways to enable or disable the [Using BNB Deduction]

1. You can enable or disable the function from the Spot Trading pages. Click [Fee Level] and toggle [BNB/USDT] on or off.

Binance web spot trading page showing Fee Level button location and BNB fee discount 25% toggle switch

2. You can also enable or disable the function by visiting the Fees & Transactions Overview page.Toggle on and off the button under [BNB Discount] to enjoy up to 25% discount on Spot trading fees.

Binance Fees and Transactions Overview page showing BNB Discount settings with 25% spot discount enabled and 10% futures discount available
How to enable the [Using BNB Deduction] function on the Binance app?

1. Log in to your Binance app and go to [Account Center].Tap the [Settings] icon in the top right corner.

Binance App Account Center entry point and Settings gear icon location highlighted in red boxes

2. Tap [BNB Discount].. Toggle on or off the button next to [Use BNB to pay fees] to enjoy up to 25% discount on Spot trading fees.

Binance App Settings menu showing BNB Discount option and Using BNB page with spot 25% discount and futures 10% discount toggles

3. You can also enable the [BNB Discount] by going to [Trade] - [Spot],and tapping [...] - [Fee]

Binance App alternative navigation path via Trade tab, Spot section, top-right menu button, and Fee option to enable BNB discount

* Important Note: The 25% discount is valid until further notice.

BNB discount Frequently Asked Questions
1. How do I calculate the fees for trading BNB?

By enabling the [Using BNB Deduction] setting, you can enjoy a discounted trading fee. If this setting is disabled, Binance will apply the full 100% trading fees. Please refer to the Fees & Transactions Overview page for more details on trading, interest rate, and deposit/withdrawal fees.

Please note: Trading fees are usually. charged in the cryptocurrency you receive as a result of the trade and subsequently converted into BNB.

For example, you're a regular user and you place an order to buy 10 ETH at 3,452.55 USDT each:

  • Original trading fee = 10 ETH * 0.1% = 0.01 ETH
  • BNB deduction = 10 ETH * 0.075% = 0.0075 ETH
  • Converted to BNB = 0.0075 ETH / 0.15 = 0.05 BNB (assuming that the BNB/ETH market price is 0.15)

Conversely, if you place an order to sell 10 ETH at 3,452.55 USDT each:

  • Original trading fee = (10 ETH * 3,452.55 USDT) * 0.1%  = 34.5255 USDT
  • BNB deduction = (10 ETH * 3,452.55 USDT)  * 0.075% = 25.894125 USDT
  • Converted to BNB = 25.894125 USDT / 220 = 0.11770057 BNB (assuming that the BNB/USDT market price is 220).

Please note: Make sure that you maintain a sufficient BNB balance in your account to pay for your trading fees.

2. How does the system convert the original fee to BNB?

When you trade BNB to receive ETH, the system will calculate the fee based on the exchange ratio of ETH to BNB, based on the market price of ETH/BTC and BNB/BTC.

Exchange ratio of ETH/BNB = ETH/BTC(market price) / (BNB/BTC(market price))

Please note:

Binance updates its market price when your trades are filled. For the final fees charged, check the Trade history page.

3. I have enabled the BNB discount, but on the transaction page the estimated fee is not shown as BNB.

The system uses the exact amount filled to calculate the BNB discount fee for an order. However, the actual amount filled is unknown when you place the order. Therefore, it will only display an estimated fee in the receiving token.

4. How is the BNB fee calculated for non-BNB pairs?

To calculate the BNB fee for non-BNB pairs, the system converts the value of the non-BNB pair token to BNB using an average rate rather than the spot rate at the time, which may result in a slight difference.

Here’s how it works:

1. Convert the token to a chosen quote token.

2. Convert the quote token back to BNB using the BNB/quote token pair with the shortest trading time.

For example, to get (token)/BNB, we take the (token)/USDT rate and multiply by 1/(BNB/USDT).

5. Why am I still being charged the original fee after enabling [Using BNB Deduction]?
  • If your BNB balance is insufficient, you’ll be charged the original fee listed on the Fees & Transactions Overview page. You can preview the estimated discounted trading fee amount from [Est. Fee]* when you place an order on the Binance website. This provides an estimate of the fee that will be converted to BNB and deducted from your balance.
Binance spot trading sell BTC order form showing Estimated Fee field highlighted with 0.00334278 USDT value
  • If a particular asset's value (e.g., X token) is lower than 0.00000001 BNB (i.e., X token price/BNB price < 0.00000001), then X token’s trades do not qualify for the BNB transaction fee discount. The fee may be charged in X token or BNB.
  • If you use trading bots (Spot Grid, DCA, Rebalancing bot, etc.), the fee will initially be deducted from the Trading Bots Account according to the standard trading fee rate. Subsequently, the fee refunds will be credited to your Spot Account. To view your BNB fee history, go to [Orders] - [Trading Bots Order] - [Fees Return History]..

*Please note that the [Est. Fee] displayed is for reference only. The actual transaction fee depends on the final amount of assets you receive from the executed trade.

Can I get a Binance discount with an existing account?

Referral discounts cannot be added after registration—this is a hard rule with no exceptions. However, you can still enable BNB fee deduction (25% off spot, 10% off futures) and climb VIP tiers for additional savings. If you missed the referral code, you would need to create a new account with a different email address. VIP Rising Star and standard VIP tiers apply to all accounts automatically based on volume and holdings.

Do Binance discounts expire?

Referral and BNB discounts are permanent as long as you maintain the requirements. The 20% referral discount lasts for the lifetime of your account. The BNB discount remains active as long as you keep the toggle enabled and maintain sufficient BNB balance to cover fees. Sign-up bonuses typically expire within 30 days if tasks are incomplete, so claim them promptly after registration. VIP tier status is reassessed daily at 00:00 UTC.

Is the 40% discount real? How is it calculated?

Yes, but the math is multiplicative, not additive. Starting from the base spot fee of 0.100%: first apply the 20% referral discount → 0.080%. Then apply the 25% BNB discount on that remaining amount → 0.080% × 0.75 = 0.060%. The total reduction from 0.100% to 0.060% is exactly 40%. For futures, the calculation is 0.050% × 0.90 (referral) × 0.90 (BNB) = 0.0405%, a 19% total reduction for takers or 28% for makers.

How much BNB do I need to hold for the discount?

For the basic 25% spot / 10% futures discount, there is no minimum BNB holding requirement—you only need enough BNB in your spot wallet to actually pay the trading fees. However, to qualify for VIP tiers, you need minimum BNB holdings: VIP 1 requires ≥ 5 BNB, VIP 3 requires ≥ 50 BNB, and VIP 9 requires ≥ 3,000 BNB. Enable the toggle at Dashboard → More → Settings → Trading Fee to activate the discount.

When does my VIP level update?

Binance assesses your VIP eligibility daily at 00:00 UTC based on your previous 30-day trading volume and current BNB holdings. The new fee tier is applied at 01:00 UTC automatically. You don't need to take any action. If your volume drops below a tier threshold, you'll be downgraded the following day. You can check your current tier and progress on the Fee Structure page in your account dashboard.

Are referral codes safe to use?

Official Binance referral codes are completely safe and are a standard part of Binance's user acquisition program. The code simply links your new account to the referrer's program—there is no security risk. Always use codes from verified sources, official affiliate pages, or trusted educational sites. Avoid codes from unverified social media DMs, suspicious websites, or anyone asking for your password or private keys. A legitimate referral code only affects fee discounts.

Can US residents use Binance discount codes?

US mainland residents must use Binance.US, a separate platform with its own fee structure. Global Binance referral codes and VIP tiers do not transfer to Binance.US. However, Binance.US also offers its own fee reduction programs for eligible users. If you are a US resident attempting to use global Binance, your account may face restrictions. Always use the platform appropriate for your jurisdiction.

Does the BNB discount apply to all fees?

No. The BNB fee discount applies specifically to trading fees (spot and futures). It does not apply to: withdrawal fees, fiat deposit/withdrawal fees, margin borrowing interest, NFT marketplace fees, or Binance Pay transactions. The discount is also limited to 25% for spot trading and 10% for futures trading—there is no additional BNB discount for other products. Always check the specific product's fee page for details.

Start Saving on Every Trade Today

Don't overpay on trading fees. Stack your discounts correctly and keep more of your profits with every transaction.