바이낸스 선물 거래 수수료 2026: 완벽 가이드

Futures trading on Binance has different — and generally lower — fees than spot trading. If you trade Binance USDT-M or COIN-M futures in 2026, understanding the fee structure is critical because leverage amplifies both profits and fee costs. This is the definitive guide to Binance futures fees with VIP tiers, funding rates, liquidation fees, and how to get the lowest rates.

Binance Futures Fee Overview (2026)

Binance operates two futures markets, each with separate fee schedules:

Contract Type	Settled In	Maker Fee (VIP 0)	Taker Fee (VIP 0)	With MGBABA (20% Off)
USDT-Margined (USDT-M)	USDT	0.0200%	0.0500%	0.0160% / 0.0400%
COIN-Margined (COIN-M)	BTC, ETH, etc.	0.0100%	0.0500%	0.0080% / 0.0400%

Key difference from spot: Futures maker fees (0.02%) are 5x lower than spot maker fees (0.10%). This is why many high-volume traders prefer futures.

Full USDT-M Futures VIP Tier Table (April 2026)

VIP Level	30d Volume (USD)	USDT-M Maker	USDT-M Taker	COIN-M Maker	COIN-M Taker
VIP 0	< $15M	0.0200%	0.0500%	0.0100%	0.0500%
VIP 1	≥ $15M	0.0160%	0.0400%	0.0080%	0.0450%
VIP 2	≥ $100M	0.0140%	0.0350%	0.0050%	0.0400%
VIP 3	≥ $250M	0.0120%	0.0320%	0.0030%	0.0300%
VIP 4	≥ $1B	0.0100%	0.0300%	0.0000%	0.0270%
VIP 5	≥ $5B	0.0080%	0.0270%	-0.0010%	0.0250%
VIP 6	≥ $10B	0.0060%	0.0250%	-0.0010%	0.0230%
VIP 7	≥ $25B	0.0040%	0.0220%	-0.0010%	0.0200%
VIP 8	≥ $50B	0.0020%	0.0200%	-0.0010%	0.0180%
VIP 9	≥ $100B	0.0000%	0.0170%	-0.0010%	0.0150%

Note: Negative maker fees (VIP 5+) mean Binance pays you for placing maker orders. At VIP 9, COIN-M maker rebate is -0.001% — you earn 0.001% on every maker order.

How Futures Fees Are Calculated With Leverage

This is where many traders get confused. Futures fees are charged on the notional value, not your margin:

Example: $1,000 Margin With 20x Leverage

Detail	Value
Your margin (deposit)	$1,000
Leverage	20x
Position size (notional)	$20,000
Taker fee at VIP 0 (0.05%)	$10.00
Taker fee with MGBABA (0.04%)	$8.00
Opening + closing fees (no MGBABA)	$20.00 (1% of your margin!)
Opening + closing fees (MGBABA)	$16.00 (0.8% of your margin)

Critical insight: With 20x leverage, the round-trip fee (open + close) is 1% of your margin without discounts, or 0.8% with MGBABA. At 100x leverage, fees become 5% of margin per round-trip. This is why the 20% MGBABA discount matters enormously for futures traders.

Funding Rate Explained

Funding rates are not a Binance fee — they're payments between traders that occur every 8 hours (00:00, 08:00, 16:00 UTC):

• Positive funding rate: Longs pay shorts. This happens when the futures price is above spot price (bullish market).
• Negative funding rate: Shorts pay longs. This happens when futures price is below spot (bearish market).
• Typical range: -0.01% to +0.03% per 8 hours
• Formula: Funding fee = Position size × Funding rate

Funding Rate Example

Position	Size	Funding Rate	You Pay/Receive
Long BTC	$50,000	+0.01%	Pay $5 every 8 hours ($15/day)
Short BTC	$50,000	+0.01%	Receive $5 every 8 hours ($15/day)
Long BTC	$50,000	-0.005%	Receive $2.50 every 8 hours

Pro tip: Funding rates can significantly eat into profits on long-held leveraged positions. A +0.03% funding rate on a $50K position = $15 per 8 hours = $45/day = $1,350/month. Monitor funding rates and consider closing positions during extreme funding periods.

Liquidation Fees

If your position is liquidated (margin insufficient to maintain the position), Binance charges a liquidation fee:

• USDT-M liquidation fee: 0.50% of notional value (paid to the Insurance Fund)
• COIN-M liquidation fee: 0.50% of notional value
• Example: A $20,000 position that gets liquidated incurs a $100 liquidation fee on top of your position loss

The liquidation fee is not affected by referral discounts. It always stays at 0.50%.

Binance Futures Fees vs. Competitors (2026)

Exchange	USDT-M Maker	USDT-M Taker	Best Referral Discount	Effective Taker
Binance + MGBABA	0.0160%	0.0400%	20% (code MGBABA)	0.0400%
OKX (base)	0.0200%	0.0500%	20%	0.0400%
Bybit (base)	0.0200%	0.0550%	20%	0.0440%
Bitget	0.0200%	0.0600%	20%	0.0480%
dYdX (decentralized)	0.0200%	0.0500%	None	0.0500%

Verdict: Binance and OKX are tied for cheapest futures fees when including referral discounts. Bybit and Bitget are slightly more expensive. dYdX has no referral discounts.

Step-by-Step: Get the Lowest Binance Futures Fees

1. Step 1: Register on Binance using referral code MGBABA for 20% lifetime fee discount. Register here.
2. Step 2: Complete KYC verification.
3. Step 3: Open a Futures account (Derivatives → USDT-M Futures or COIN-M Futures).
4. Step 4: Transfer USDT to your Futures wallet.
5. Step 5: Hold BNB and enable BNB fee deduction for additional 10% discount on futures.
6. Step 6: Use limit orders (maker) when possible — maker fees are 60% lower than taker fees.

USDT-M vs. COIN-M: Which Should You Trade?

Feature	USDT-M	COIN-M
Settlement currency	USDT (stablecoin)	BTC, ETH, etc. (crypto)
Maker fee (VIP 0)	0.0200%	0.0100% (cheaper)
Taker fee (VIP 0)	0.0500%	0.0500% (same)
PnL calculation	Linear (easy to understand)	Inverse (non-linear)
Best for	Most traders (simpler math)	Holders who want exposure without selling
Available pairs	300+ pairs	~30 pairs

Recommendation: If you're new to futures, start with USDT-M — the linear PnL makes it easier to manage risk. If you're a BTC/ETH holder who wants leveraged exposure without selling, COIN-M has lower maker fees (0.01% vs. 0.02%).

FAQ

What are Binance USDT-M futures fees in 2026?

Binance USDT-margined futures charge 0.0200% maker and 0.0500% taker at VIP 0 (default). With referral code MGBABA (20% off), this drops to 0.0160% maker and 0.0400% taker. These are significantly lower than spot trading fees.

What is the difference between USDT-M and COIN-M futures?

USDT-margined (USDT-M) futures are settled in USDT stablecoin. COIN-margined (COIN-M) futures are settled in the underlying cryptocurrency (e.g., BTC for BTCUSD). COIN-M has slightly lower maker fees (0.0100% vs 0.0200%) but identical taker fees (0.0500%).

How does the MGBABA referral code apply to futures fees?

Referral code MGBABA gives 20% off all futures trading fees (both USDT-M and COIN-M). At VIP 0: USDT-M maker drops from 0.0200% to 0.0160%, taker from 0.0500% to 0.0400%. On a $100,000 trade, this saves $4 (maker) or $10 (taker) per trade.

What are Binance futures funding rates?

Funding rates are periodic payments between long and short traders, occurring every 8 hours. If the rate is positive, longs pay shorts. If negative, shorts pay longs. Typical rates range from -0.01% to +0.03%. This is not a Binance fee but a market mechanism to keep futures prices aligned with spot.

How do Binance futures fees compare to OKX and Bybit?

Binance USDT-M: 0.02%/0.05% (maker/taker). OKX: 0.02%/0.05%. Bybit: 0.02%/0.055%. All three are very similar at base tier. The difference comes from referral discounts: Binance MGBABA gives 20% off, making it effectively cheapest at 0.016%/0.04%.