Complete Guide to Binance Fees 2026 — Spot, Futures, Withdrawal

Q: What are Binance's trading fees in 2026?

Binance's standard spot fee is 0.10% for both makers and takers. With referral code MGBABA (20% off) and BNB fee payment (25% off), the effective rate drops to 0.06%. Futures fees start at 0.02% maker and 0.05% taker.

Q: How do I get the lowest possible fees on Binance?

Stack three discounts: 1) Use referral code MGBABA for 20% off, 2) Enable BNB fee payment for 25% off, 3) Use limit orders to pay maker fees instead of taker fees. This brings your spot fee from 0.10% down to approximately 0.06%.

Q: What are Binance withdrawal fees?

Withdrawal fees depend on the cryptocurrency and blockchain network. USDT on Tron costs $1.00, USDT on Ethereum costs $3.50, BTC costs about $1.20, and SOL costs $0.01. Always choose the cheapest available network.

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Use referral code MGBABA during registration for a permanent 20% discount on every trade.

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20% Lifetime Fee Discount

Spot Trading Fees

Spot trading is buying and selling crypto at the current market price. Binance charges a percentage fee on each trade.

Tier	30-Day Volume	Maker Fee	Taker Fee
Regular	< $1M	0.1000%	0.1000%
VIP 1	$1M+	0.0900%	0.1000%
VIP 2	$5M+	0.0800%	0.1000%
VIP 3	$20M+	0.0420%	0.0600%

Most users fall into the Regular tier. With code MGBABA, your Regular tier fee drops from 0.10% to 0.08%. Add BNB fee payment and it falls to 0.06%.

How to Stack Discounts

Binance allows multiple fee discounts to stack. Here is the progression for a Regular tier user:

Configuration	Maker Fee	Taker Fee	Discount
No discount	0.1000%	0.1000%	—
+ Code MGBABA	0.0800%	0.0800%	20% off
+ Code MGBABA + BNB	0.0600%	0.0600%	~40% off

To enable BNB fee payment: buy a small amount of BNB, then go to your account dashboard and toggle "Pay trading fees with BNB" to ON. Binance will automatically deduct fees from your BNB balance.

Futures Trading Fees

Binance USDT-margined futures fees at the standard tier:

Type	Maker Fee	Taker Fee
USDT-M Futures	0.0200%	0.0500%
COIN-M Futures	0.0100%	0.0500%
With MGBABA (USDT-M)	0.0160%	0.0400%

Futures fees are already much lower than spot fees. The MGBABA referral discount also applies to futures, making Binance one of the cheapest platforms for leveraged trading.

Note: futures trading involves significant risk and is not recommended for beginners. Leverage amplifies both profits and losses.

Withdrawal Fees

Binance charges a flat fee for each withdrawal, which varies by cryptocurrency and the blockchain network you choose.

Asset	Network	Withdrawal Fee
USDT	Tron (TRC-20)	$1.00
USDT	Arbitrum	$0.60
USDT	Solana	$0.50
USDT	Ethereum (ERC-20)	$3.50
BTC	Bitcoin	$1.20
BTC	Lightning Network	$0.01
ETH	Ethereum	$1.00
ETH	Arbitrum	$0.20
SOL	Solana	$0.01
BNB	BNB Chain	$0.10

Always choose the cheapest network for your withdrawal. For USDT, Solana and Tron are the most cost-effective. For BTC, Lightning Network is nearly free. Avoid ERC-20 withdrawals unless the receiving platform only supports Ethereum.

Deposit Fees

Crypto deposits to Binance are free — the exchange does not charge for incoming transfers. You only pay the network gas fee from the sending side.

Fiat deposits vary by method:

Bank transfer (SEPA/wire) — free or very low ($0-1)
Debit/credit card — 1.8% fee (this adds up quickly on large purchases)
P2P trading — zero exchange fee (but the P2P price includes a small spread)

Total Annual Savings Example

For a trader with $50,000/month in spot trading volume:

Without any discount: $600/year in fees
With code MGBABA only: $480/year (save $120)
With MGBABA + BNB: $360/year (save $240)
With MGBABA + BNB + limit orders: ~$330/year (save $270)

Hidden Fees to Watch For

Conversion markup — the "Convert" feature is convenient but charges a hidden spread of 0.5-1%. Use spot trading instead
Funding rate (futures) — perpetual futures charge a funding rate every 8 hours, which can be positive or negative
Margin interest — borrowing for margin trading costs daily interest, currently 0.02-0.06% per day depending on the asset
Card deposit fee — the 1.8% card fee is often overlooked. On a $5,000 deposit, that is $90 in fees

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Frequently Asked Questions

What are Binance's trading fees in 2026?

Standard spot fee is 0.10% maker/taker. With code MGBABA (20% off) + BNB payment (25% off), the effective rate drops to 0.06%. Futures fees start at 0.02% maker / 0.05% taker.

How do I get the lowest possible fees on Binance?

Stack three discounts: 1) Referral code MGBABA for 20% off, 2) BNB fee payment for 25% off, 3) Use limit orders. This brings spot fees from 0.10% to ~0.06%.

What are Binance withdrawal fees?

They depend on the asset and network. USDT on Tron: $1.00. USDT on Ethereum: $3.50. BTC: $1.20. SOL: $0.01. Always pick the cheapest available network.

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