Crypto fees · Updated June 2026
Binance fee calculator 2026: maker, taker, VIP tier & the BNB discount stack
Binance publishes its fee schedule on three different pages, and the effective rate you actually pay depends on which side of the book you fill, which product you trade, your 30-day volume, your BNB balance, and whether you came in through an affiliate link. This guide collapses all of that into one model — and shows where a 40% sub-broker rebate fits on top.
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:
- BNB fee discount — pay fees with BNB and get 25% off on spot and 10% off on futures (subject to the promo schedule).
- Referral kickback — Binance rebates 10% of your spot fees if you sign up through a normal referral.
- VIP tier — 30-day volume tiers cut maker / taker fees in steps from VIP 1 to VIP 9.
- Affiliate / sub-broker rebate — if your referrer is on an affiliate or sub-broker tier (like JackTrader's Binance channel), they can pass back up to 40% of the fee you paid.
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).
| 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 — and the futures bands are easier to climb than spot, because the volume that counts is futures notional, which moves an order of magnitude faster than spot.
| VIP tier | 30-day futures volume (USDT) | Maker fee | Taker fee |
|---|---|---|---|
| Regular | < $15M | 0.0200% | 0.0500% |
| VIP 1 | ≥ $15M | 0.0160% | 0.0400% |
| VIP 2 | ≥ $50M | 0.0140% | 0.0350% |
| VIP 3 | ≥ $250M | 0.0120% | 0.0320% |
| VIP 4 | ≥ $1B | 0.0080% | 0.0300% |
| VIP 5 | ≥ $5B | 0.0060% | 0.0270% |
| VIP 6 | ≥ $12.5B | 0.0040% | 0.0250% |
| VIP 7 | ≥ $25B | 0.0020% | 0.0220% |
| VIP 8 | ≥ $50B | 0.0000% | 0.0200% |
| VIP 9 | ≥ $100B | −0.0050% | 0.0170% |
At VIP 9 maker the fee is negative — Binance pays you 0.005% to provide liquidity. The BNB futures discount (10% off, while the promo runs) sits on top.
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. Now stack the JackTrader sub-broker rebate at 40% — the rebate is calculated on the post-BNB fee, paid weekly in USDT:
- Weekly rebate ≈ $1,102.50 × 40% ÷ 4 = ~$110 / week
- Annual rebate ≈ ~$5,290 / year from a single $5M / month bot
For two bots at the same volume, scale linearly. For a market-making desk at $50M / month, the same logic puts ~$52k a year back in your spot wallet — without changing a single line of strategy code. See the Binance rebate page for the full assessment flow.
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. At the VIP 1 tier (gates at $15M / month) the rates step down further; at the 40% rebate band this is roughly $2,950 / month back. That is the entire cost of running infrastructure for many small quant teams.
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
- 40% rebate ≈ $15 / month — small, but it stacks for years and costs you nothing to claim.
For casual traders the rebate is closer to "found money" than "edge". The bigger value is on the futures side — a single mid-sized grid bot at $1M / month already pays for a year of any subscription you might run on top.
Stacking order — what compounds with what
This is the single most common point of confusion. The discounts apply in this order:
- Binance computes the gross fee at your current VIP tier rate.
- If you have BNB enabled, Binance applies the BNB discount (25% spot / 10% futures) to that gross fee.
- The remaining fee is what Binance keeps and the affiliate side splits.
- The affiliate (or sub-broker like JackTrader) receives a share, and rebates up to 40% of that affiliate share back to you weekly in USDT.
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 the 40% rebate work for VIP 1+ accounts?
Yes. The rebate is calculated on whatever fee Binance actually charges you. The percentage stays the same; only the absolute dollar amount of the rebate moves with your VIP rate.
What happens to my rebate if I move into VIP 7+?
At VIP 7 and above, Binance's affiliate program rules change for ultra-low-fee accounts. We assess these accounts individually — usually the rebate-as-percentage drops, but the absolute dollar payout still moves up because the volume is so large.
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. Reconcile every weekly settlement from the JackTrader dashboard against those records — if anything is off, we fix it.
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 last two columns show roughly what you keep after paying with BNB (about 10% off futures) and after an up-to-40% sub-broker rebate on top, settled weekly in USDT. 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) | Net after up-to-40% rebate | Approx. saved/yr |
|---|---|---|---|---|
| $100k | ~$26 | ~$23 | ~$14 | ~$140 |
| $500k | ~$130 | ~$117 | ~$70 | ~$700 |
| $1M | ~$260 | ~$234 | ~$140 | ~$1,400 |
| $5M | ~$1,300 | ~$1,170 | ~$700 | ~$7,000 |
| $20M | ~$5,200 | ~$4,680 | ~$2,800 | ~$28,000 |
| $50M | ~$13,000 | ~$11,700 | ~$7,000 | ~$70,000 |
*Gross = (volume × 80% × 0.02%) + (volume × 20% × 0.05%) at the Regular tier. Rebate is calculated on the post-BNB fee at the maximum band; the actual rate you qualify for is reviewed per account and is not a guarantee. Crossing the $15M VIP 1 gate lowers the gross fee further, so high-volume rows are conservative. Always verify current rates against Binance's official schedule.
For a spot-heavy trader, swap in the 0.10% spot rate (25% off with BNB) — see the Binance rebate calculator to plug in your exact split, or compare venues in our Binance vs OKX fee breakdown. Running both exchanges? The OKX rebate page mirrors this math.
Run your own numbers
Use the on-page calculator on our Binance rebate page to plug your real volume in.
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 / sub-broker partner and is not Binance.