Binance fee calculator 2026: maker, taker, VIP tier & the BNB discount stack

The short version

Binance's published fee for a Regular user is 0.10% on spot, 0.02% maker / 0.05% taker on USDT-M futures, and a similar 0.02% / 0.05% on COIN-M futures. From there, four discounts can stack:

1. BNB fee discount — pay fees with BNB and get 25% off on spot and 10% off on futures (subject to the promo schedule).
2. Referral kickback — under Binance's standard referral mode the person who invited you earns a 20% base commission on your spot fees, and chooses whether to pass back 0%, 5% or 10% of it. It is the inviter's setting, not an automatic discount, so a plain link can pass back nothing.
3. VIP tier — 30-day volume tiers cut maker / taker fees in steps from VIP 1 to VIP 9.
4. Affiliate / sub-broker rebate — if your referrer is on an affiliate or sub-broker tier (like JackTrader's Binance channel), they can pass back part of the commission Binance pays them — how much is the referrer's call, not an automatic discount. Which tier your referrer actually sits on is set by Binance's own eligibility bar — the qualification rules behind the Binance affiliate program explain why two codes can advertise the same headline and pay out very differently.

The four discounts compound. We work out an example below.

Binance spot fee schedule (Regular through VIP 9)

The spot schedule is symmetric — maker and taker are the same at every tier. The big steps are between Regular → VIP 1 (the bottom of the volume gate) and again between VIP 4 → VIP 5 (the institutional gate). Futures is different: it is the only side where the maker line can cross zero, which we cover in the point where maker fees go negative.

VIP tier	30-day spot volume (BUSD/USDT)	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%
VIP 4	≥ $100M	0.0420%	0.0540%
VIP 5	≥ $150M	0.0360%	0.0480%
VIP 6	≥ $400M	0.0300%	0.0420%
VIP 7	≥ $800M	0.0240%	0.0360%
VIP 8	≥ $2B	0.0180%	0.0300%
VIP 9	≥ $4B	0.0120%	0.0240%

Schedule is approximate to the published rates at time of writing; Binance does adjust the bands occasionally. Pay with BNB to take an additional 25% off.

Binance USDT-M futures fee schedule

USDT-M perpetuals and quarterly futures use a separate volume table from spot — and the futures bands are easier to climb, because the volume that counts is futures notional, which moves an order of magnitude faster than spot. (Binance's app writes this product USDⓈ-M; USDT-M, USDT-margined and "USDT perpetual" all mean the same contracts and the same fee table.)

VIP tier	30-day futures volume (USDT)	Maker fee	Taker fee
Regular	< $15M	0.0200%	0.0500%
VIP 1	≥ $15M	0.0160%	0.0400%

This table stops at VIP 1 on purpose. Regular and VIP 1 cover essentially everyone who arrives at a fee calculator — every worked example below sits in the Regular band — and Binance revises the higher futures volume thresholds. A stale threshold is worse than no threshold, so we keep the full tier-by-tier futures reference on one page only rather than repeating a copy here that can drift out of sync. If you are near a tier boundary, confirm against Binance's own futures fee page before you plan around it. The BNB futures discount (10% off, while the promo runs) sits on top of whatever tier you are in.

Futures is where most high-volume traders pay the bulk of their fees, and the maker/taker split plus funding decide the real cost. For the full USDT-M (USDⓈ-M) and Coin-M fee schedule — every VIP tier, the 10%-vs-25% BNB difference, and why funding is the line no fee schedule prints — see our dedicated Binance futures fee schedule 2026.

Worked example #1 — a grid bot trader at $5M / month

Assume you run a Binance USDT-M grid bot at $5,000,000 notional volume per month. The bot is 85% maker, 15% taker (typical for a tight-grid range strategy).

• Maker volume = $4.25M × 0.0200% = $850 in maker fees
• Taker volume = $0.75M × 0.0500% = $375 in taker fees
• Gross monthly fees = $1,225

Apply the BNB futures discount (10% off): $1,102.50 / month — roughly $13,230 a year in fees from a single $5M / month bot.

That annual line is what a rebate works against, and the bot pays it on every fill whether the strategy is profitable or not. For two bots at the same volume, scale linearly; once a single account clears $15M / month and meets Binance's VIP 1 criteria, the futures rates themselves step down. If the account behind the bot holds $50,000 or more in funds, we offer an above-market rebate rate, assessed one-on-one — contact us for a quote. See the Binance rebate page for how it works.

Worked example #2 — a high-frequency taker at $20M / month

An HFT desk hitting both sides aggressively might be 30% maker, 70% taker at $20M monthly.

• Maker = $6M × 0.0200% = $1,200
• Taker = $14M × 0.0500% = $7,000
• Gross = $8,200 / month

Pay with BNB (10% off futures): $7,380 / month. At $20M the desk also clears the VIP 1 volume gate ($15M / month); if it meets Binance's VIP 1 criteria, USDT-M rates step down to 0.0160% maker / 0.0400% taker: $960 + $5,600 = $6,560, or ~$5,904 / month after BNB — still about $71,000 a year. At that scale fees are an infrastructure-sized cost line, which is exactly where a one-on-one quote on our premium rebate for $50K+ accounts is worth asking for.

Worked example #3 — a casual spot trader at $50k / month

Not every reader is a quant. A casual buyer making roughly $50k / month in spot trades at the Regular tier pays:

• $50,000 × 0.10% = $50 / month in fees
• Pay with BNB: $37.50

At this size the BNB discount is the main lever, saving $12.50 a month. If you are opening a new account, the bigger immediate number is a sign-up reward: each quarter, the first 15 new Binance users who sign up through a JackTrader invite receive a $20 cash reward. Spots are limited and first-come, first-served — message us on Telegram to confirm how to claim. Fees matter far more on the futures side — a single mid-sized grid bot at $1M / month already pays roughly $2,600–2,800 a year after BNB.

Stacking order — what compounds with what

This is the single most common point of confusion. The discounts apply in this order:

1. Binance computes the gross fee at your current VIP tier rate.
2. If you have BNB enabled, Binance applies the BNB discount (25% spot / 10% futures) to that gross fee.
3. The remaining fee is what Binance keeps and the affiliate side splits.
4. The affiliate or sub-broker who referred you receives a commission share under Binance's official program rules, and decides how much of it to pass back to you. Through JackTrader, the rate and payout method are confirmed one-on-one.

BNB does not cancel the rebate; the rebate does not cancel BNB. You can — and should — run both. Same for VIP tier: the rebate sits on top of whatever band you're already on.

How to climb VIP tiers faster

• Concentrate volume in fewer sub-accounts. Each sub-account has its own VIP calculation, and spreading volume across accounts often keeps you in the Regular band on each.
• Use futures volume to gate rather than spot — the bands are easier to clear on futures notional than on spot dollar volume.
• Hold $1k+ in BNB in your spot account (qualifies for the VIP volume + BNB criteria simultaneously).
• Don't conflate VIP with the rebate — VIP changes the gross fee, the rebate changes what you keep after.

FAQ

Does a referral rebate still work for VIP 1+ accounts?

Yes, within Binance's limits. A rebate is calculated on whatever fee Binance actually charges you, so its dollar amount moves with your VIP rate — a lower tier rate means a smaller absolute rebate on the same volume.

What happens to my rebate at higher VIP tiers?

Binance's own rules set the ceiling: commissions stop once the referred user reaches VIP 3 or above, and Futures-account commissions are capped at 12 months per referral. That is why high-volume accounts are assessed individually. The underlying tier logic — what Binance pays an introducer and how that share moves — is laid out in the Binance affiliate commission breakdown.

Is the BNB discount going away in 2026?

Binance has rolled the BNB futures discount through several extensions. It is currently active; we update this page when the schedule changes.

How do I check my actual fee history on Binance?

Inside Binance: Wallet → Transaction History → Fee Income for spot, or your USDT-M futures statement. Those records are the baseline for any rebate: whatever a referrer pays you back should reconcile against the fees shown there.

Quick fee calculator: plug in your monthly volume

Want the number fast? Find the row closest to your 30-day futures volume below. "Gross fee" assumes a typical 80% maker / 20% taker mix at the Regular USDT-M rate (0.02% maker / 0.05% taker). The next column applies the BNB discount (about 10% off futures), and the last column annualises that figure — the yearly fee line is what any rebate works against. Figures are estimates to illustrate the math — your real fee depends on your maker/taker split, VIP tier and the exchange's official schedule at the time you trade.

30-day futures volume	Est. gross fee/mo*	After BNB (~10% off)	Est. fees/yr after BNB
$100k	~$26	~$23	~$280
$500k	~$130	~$117	~$1,400
$1M	~$260	~$234	~$2,800
$5M	~$1,300	~$1,170	~$14,000
$20M	~$5,200	~$4,680	~$56,000
$50M	~$13,000	~$11,700	~$140,000

*Gross = (volume × 80% × 0.02%) + (volume × 20% × 0.05%) at the Regular tier. Crossing the $15M VIP 1 gate lowers the gross fee further, so high-volume rows overstate what a VIP account pays. Always verify current rates against Binance's official schedule.

Funds of $50,000 or more? We offer an above-market rebate rate for $50K+ accounts — the exact rate is assessed one-on-one. Contact us on Telegram for a quote.

For a spot-heavy trader, swap in the 0.10% spot rate (25% off with BNB) — the fee calculator on our homepage lets you plug in your exact volume and trading style, and our Binance vs Bybit fee breakdown compares venues.

Disclaimer: Fee schedules are accurate to Binance's published rates at the time of writing and may change without notice. This article is educational and not investment advice. JackTrader is an independent referral partner and is not affiliated with Binance; rewards and rebates depend on available spots, account status and Binance's official rules, and are not a guarantee of returns.