Binance Fee Calculator 2026: BNB Discount + 40% Rebate Stacked

The cheapest way to trade on Binance is to use the BNB fee discount and a 40% rebate together. A regular user's 0.100% spot fee drops to 0.075% with BNB, and after 40% comes back you pay 0.045%, a 55% saving; the 0.050% USDⓈ-M futures taker fee drops to 0.045% with BNB and nets out at 0.027%, a 46% saving. The order is VIP rate, then BNB discount, then a rebate on the fee you actually paid, and under Binance's official rules the rebate only applies from Regular up to VIP2 (checked 2026-10-22).

This guide walks through the order of the three layers, what Binance's own pages say, what you pay on spot and futures at several monthly volumes, and what changes once you reach VIP3. Fee Otter's Binance rebate is 40% (20% paid automatically by Binance + 20% extra from Fee Otter).

The short answer: four setups for a regular user

The table shows Binance's regular-user (VIP0) list fees and what you pay with the BNB discount, the rebate, or both. Spot figures are from the Binance fee page and the 10% futures BNB discount is from Binance's futures fee FAQ, checked 2026-10-22.

Rates after the rebate are effective rates (net fee ÷ trade value). The order screen still shows the discounted rate; the rebate is paid back afterwards.

The two discounts multiply; they don't add up: spot is 1 − 0.75 × 0.6 = 55% and futures is 1 − 0.9 × 0.6 = 46%. Adding 25% and 40% to get 65% gives the wrong number.

The order of the three layers, from Binance's own pages

A Binance fee passes through three layers, and the order sets the final figure:

1. Your VIP tier sets the list rate. 30-day volume plus a BNB balance put you somewhere from Regular to VIP9; see Binance VIP levels and fees for each tier.
2. The BNB discount comes off the VIP rate. Binance's BNB fee discount FAQ (updated 2026-02-06) says "If you are a VIP user, you can receive up to 25% discount in addition to your VIP discount". On the fee page, every tier's "BNB 25% off" column is exactly 75% of that tier's rate.
3. The rebate is calculated on the fee you actually paid. The Binance referral FAQ (updated 2026-08-05) says the referrer's commission comes from "the trading fees paid by the referred user" and is now paid on "net fees" (spot from 2026-04-29, futures from 2026-07-15), meaning fees after any market maker rebates.

So the formula is:

Net fee = trade value × VIP rate × (1 − BNB discount) × (1 − 40%)
The BNB discount is 25% on spot and 10% on USDⓈ-M futures.

Binance's pages don't say word for word that the rebate uses the fee after the BNB discount, but they do say the commission comes from the fees the referred user paid, and with BNB turned on, what you paid is the discounted fee. That is also the amount Fee Otter reconciles line by line, and you can check every entry yourself on the rebate dashboard.

Turning on the BNB discount: spot and futures are set up separately

1. 1

   Sign up for Binance through Fee Otter's link

   the rebate is decided at sign-up. If you already have an account, see the Binance rebind guide.
2. 2

   Spot: keep BNB in your Spot account and switch it on

   the FAQ says you must "have BNB in your Spot Account", then turn on the BNB discount under Fee Level on the spot trading page. If your BNB runs short, "you'll be charged the original fee".
3. 3

   Futures: move BNB into your USDⓈ-M futures account

   the futures FAQ says "Users will need to transfer BNB from their exchange account to their USDⓈ-M Futures Account". If that balance runs short, the fee is taken in USDT with no discount.
4. 4

   Check the next day

   see whether BNB was deducted on Binance's Fees & Transactions Overview, and whether the day's extra rebate shows up on the rebate dashboard.

Binance's futures FAQ only states the 10% BNB discount for USDⓈ-M futures. It says nothing about COIN-M, so check your own fee page before trading those.

Spot examples at three monthly volumes

Assuming half maker and half taker, with enough BNB for the tier (5 BNB for VIP1, 25 BNB for VIP2). Rates from the Binance fee page, checked 2026-10-22:

The spot taker fee is 0.100% from Regular through VIP2; VIP1 and VIP2 only lower the maker fee (to 0.090% and 0.080%). On spot, the BNB discount and the rebate work at every volume, and VIP1 or VIP2 only adds savings on the maker half.

Futures examples at four monthly volumes

Again half maker, half taker. USDⓈ-M futures rates are the ones Fee Otter read from Binance's futures fee page on 2026-09-28 (on 2026-10-22 the futures table only showed after login, so it couldn't be re-read; the VIP1–3 volume and BNB thresholds match Binance's 2026-03-18 announcement):

On futures, BNB takes off 10% and the rebate 40%, so for a futures trader the rebate saves four times what BNB does. In the 10,000,000 USDT row, BNB saves 280 USDT and the rebate saves 1,120 USDT.

At VIP3 and above, the rebate stops

Many traders miss this rule. Binance only pays referral and affiliate commission on invitees at VIP2 or below:

• Spot and margin: Binance's 2023-05-31 announcement says the Standard Referral Mode and Affiliate Program "will only distribute referral commissions from invitees' spot and margin trades when the invitees are VIP 2 or below", and that VIP3 and above invitees "will stop receiving referral discounts" (official announcement).
• Futures: Binance's VIP update of 2026-03-18 says "Affiliates will be eligible to earn Futures commissions from referrals whose VIP status ranges from Regular through VIP 2", effective 2026-03-19 (Binance press release).

Fee Otter's extra 20% comes out of the commission Binance pays us. On days your account sits at VIP3 or higher, Binance pays no commission on it, so neither the automatic nor the extra rebate is generated; once you're back at VIP2 or below, it starts again.

So is VIP3 worth it? Compare taker fees across tiers (futures rates as above, read 2026-09-28; spot checked 2026-10-22):

For mostly-taker futures traders, VIP2 with the rebate (0.0216%) beats VIP3 through VIP6 and is only matched at VIP7, which takes 5B USD of 30-day futures volume. On spot, the taker fee is a tie at VIP3, while VIP3 is lower on maker orders (0.030% vs 0.036%).

A VIP tier needs both the volume and the BNB balance. VIP3 needs 100 BNB, so with 25 to 99 BNB you stay at VIP2, as long as another route such as Holder doesn't lift you higher. If you trade large futures volume and don't want to hold much BNB, factor this in.

If you're already a VIP on an exchange, or close to VIP3, and want to rebind or sign up on another exchange, contact support. We can help you apply for special trading perks or a higher rebate rate.

Worked example: 3M futures and 200,000 spot a month

A regular user trades 3,000,000 USDT of futures in 30 days (70% taker, 30% maker) and 200,000 USDT of spot, with the BNB discount on for both:

• Futures: blended rate 0.7 × 0.05% + 0.3 × 0.02% = 0.041%, so 1,230 USDT at list price; 1,107 USDT after the 10% BNB discount.
• Spot: 0.1% × 200,000 = 200 USDT; 150 USDT after the 25% BNB discount.
• 40% rebate: calculated on the discounted 1,257 USDT, 502.8 USDT in total. Of that, 251.4 USDT is Binance's automatic rebate (converted to USDC hourly and credited to the Spot account within 6 hours, per Binance's FAQ) and 251.4 USDT is Fee Otter's extra rebate.
• Net cost: 1,257 − 502.8 = 754.2 USDT, which is 675.8 USDT less than the 1,430 USDT list price, a 47.3% saving.

The same trader would pay 1,257 USDT with BNB alone and 858 USDT with the rebate alone. Fee Otter's extra rebate is withdrawn on-chain as USDT (BEP20), minimum 1 USDT per request, with a 0.015 USDT network fee paid by the user; see How rebates are settled. To run your own numbers, use the effective fee rate calculator.

The BNB discount has costs

• It uses up BNB: fees are taken straight from your BNB, and you have to top it up.
• You carry BNB's price risk: at about 738.89 USDT per BNB on Binance's BNB/USDT market on 2026-10-22, the 25 BNB VIP2 asks for is worth about 18,472 USDT. Holding a volatile asset to save on fees is a separate investment decision.
• The higher your rebate, the less BNB adds: the extra saving from BNB is fee × discount × 0.6. On every 1,000 USDT of futures fees, BNB saves only 60 USDT more once the rebate is applied.
• Spending your threshold BNB on fees can drop your tier: the balance slips under the threshold, the next day's average falls short, and your tier goes down.

For other exchanges' token discounts next to rebates, see Do exchange token discounts stack with rebates?; for the "Binance 40% fee discount" claims you'll see online, see Is the Binance 40% fee discount real?

Service regions and risks

Binance doesn't serve every country or region. Whether you can open an account and which products you can use depends on Binance's terms and what its sign-up page shows; for the four big exchanges side by side, see Binance, OKX, Bybit and BingX restricted countries. Futures use leverage and losses can be larger than you expect; low fees don't make up for a wrong call on direction. Keep only the funds you're actively trading on an exchange and hold long-term assets yourself.

FAQ

Can I use the Binance BNB discount and a rebate together?

Yes. BNB cuts the fee first (25% on spot, 10% on USDⓈ-M futures), then the rebate returns 40% of the fee you actually paid. A regular user nets 0.045% on spot and 0.027% on futures taker orders.

Does the BNB discount make my rebate smaller?

The rebate amount is smaller because it's based on the discounted fee, but your total cost is lower. For every 100 USDT of spot fees, you pay 60 with the rebate alone and 45 with BNB plus the rebate.

How much is the BNB discount on Binance futures?

10% on USDⓈ-M futures, and the BNB has to be in the USDⓈ-M futures account; if it runs short, the fee is charged in USDT with no discount. Binance's FAQ doesn't cover COIN-M.

Do I still get a rebate at Binance VIP3?

Not according to Binance's announcements. Spot and margin commission is paid only on invitees at VIP2 or below, and futures commission from 2026-03-19 covers Regular through VIP2. It resumes when you drop back to VIP2 or below.

What is the lowest Binance fee I can get?

Within the range where the rebate applies, VIP2 with BNB plus the 40% rebate: spot taker 0.045% and maker 0.036%, USDⓈ-M futures taker 0.0216% and maker 0.00864%.

What currency is the rebate paid in?

Binance's automatic 20% is converted to USDC and credited to your Spot account, per Binance's FAQ. Fee Otter's extra 20% is recorded on the rebate dashboard and withdrawn as USDT (BEP20).

Further reading

• Binance fee rebate guide: how the 40% is made up, how to claim it, and rebinding an old account.
• Binance VIP levels: VIP1–9 thresholds, BNB requirements and fee table.
• Binance futures guide: opening positions, margin and futures fees.
• Maker vs taker fees explained: what separates the two order types.

Spot fees, the BNB discount and referral rules in this article come from Binance's official fee page, support center and announcements, checked 2026-10-22; USDⓈ-M futures tier rates were read on 2026-09-28. Binance may change them, and its live pages prevail. This article is for information only, is not investment advice, and does not guarantee any return.