Binance fees 2026: spot, futures, withdrawals and the EU exit

Binance fees are low: 0.10% maker and 0.10% taker on spot trades for regular users, or 0.075% if you pay fees in BNB. But Binance has no MiCA licence, and since 1 July 2026 EU users can only withdraw. If you live in the EU, the only Binance fee that still matters to you is the withdrawal fee to move your coins out.

We checked Binance’s fee schedule and its public API on 23 October 2026. This page explains Binance trading fees for readers outside the EU, and what EU users pay to leave. Binance.US is a separate company with its own fees, which we don’t cover here. For the licence history and the US guilty plea, read our Binance review.

Binance fees in 30 seconds

• Spot trading fees: 0.10% maker, 0.10% taker for regular users.
• BNB discount: 25% off spot fees when you pay in BNB, so 0.075%.
• VIP tiers: lower rates by 30-day trade volume or BNB balance. We didn’t verify the tier ladder.
• USDⓈ-M futures: 0.02% maker, 0.05% taker, 10% off in BNB. Not available to EU users.
• Bitcoin withdrawal: 0.00002 BTC on the Bitcoin network (dynamic; read from Binance’s API on 23 October 2026).
• Euro deposits and withdrawals (SEPA, card): not verified; EU deposits are suspended anyway.
• EU users: withdrawals only since 1 July 2026.

Binance fees and transactions overview

Binance fees come in three groups: trading fees on every filled order, withdrawal fees per coin and network, and payment fees on euro deposits and card buys. Fees vary depending on several factors: the product, your VIP level, whether you pay in BNB and, for withdrawals, the network you pick.

Key takeaways: for spot trading, Binance has one of the lowest flat fee rates of any large exchange. For EU residents, none of that is usable, because the licence is missing.

Binance trading fees: maker and taker fees

Binance spot trading fees are 0.10% for both maker orders and taker orders at the regular user level. So on Binance, maker fees start and taker fees start at the same rate, unlike most exchanges, where a maker pays less.

• Maker orders add liquidity: a limit order that waits in the order book until someone trades against it.
• Taker orders remove liquidity: a market order, or a limit order priced to execute immediately.

Binance’s maker taker fees apply to every filled trade on its spot markets, and the fee is a percentage of the trade value. Our maker and taker explainer shows which one applies to your order.

The BNB discount

Paying fees in BNB, Binance’s native coin, cuts spot trading fees by 25%, from 0.10% to 0.075%. To use the BNB discount, you need a BNB balance in your Binance account, and the fee is taken from it.

The catch is price risk. On a €1,000 trade the BNB discount saves €0.25. If you hold €100 of BNB to pay fees and BNB falls 10%, you lose €10, the saving on 40 trades of €1,000. The benefits gained from the discount only outweigh that risk if you trade a lot.

The VIP program and higher trading volumes

Binance’s VIP program lowers trading costs for active traders with higher trading volumes or a large BNB balance. Your VIP level depends on your 30-day spot volumes and the BNB you hold. Binance publishes its VIP tiers on its fee schedule; we didn’t verify that ladder, so we don’t list the rates.

Binance futures trading fees and margin trading

Binance charges 0.02% maker and 0.05% taker on USDⓈ-M futures for regular users, and 10% less when you pay in BNB: 0.018% and 0.045%. EU users can’t use Binance derivatives at all.

Futures trading fees apply to the position size, not to the margin you put up. A worked example: €1,000 of margin at 5x leverage opens a €5,000 position.

• Opening as a taker: €5,000 × 0.05% = €2.50.
• Closing as a taker: about €2.50 again, so €5.00 for the round trip.
• As a maker on both sides: €5,000 × 0.02% = €1.00 each way, so €2.00.

Perpetual futures also carry funding payments between traders that are separate from the trading fee. Binance’s coin m futures (COIN-M), options and margin trading have their own fee schedules, including an exercise fee on options and interest on borrowed funds; those rates are not in our checked data.

Binance deposit fees: crypto deposits and euros

For EU users, deposits have been suspended since 1 July 2026, so Binance deposit fees no longer apply to you. For readers elsewhere, we couldn’t verify Binance’s euro SEPA and card deposit fees, because its fiat fee pages load dynamically.

• Crypto deposits: Binance’s own crypto deposit fees are not in our checked data. The network fee for sending coins is paid on the sending side.
• SEPA and card deposits: not verified, so check the amount on screen for your payment method before you pay.
• Minimum deposit: not in our checked data.

For comparison, Kraken and OKX don’t charge deposit fees on SEPA transfers, and Bybit EU charges no fee of its own on fiat deposits.

Binance withdrawal fees and the network fee

On 23 October 2026 Binance’s public API listed a 0.00002 BTC fee for withdrawing bitcoin on the Bitcoin network. Binance’s withdrawal fees are dynamic: each coin and network has its own network fee, and it moves with market conditions on that network.

For EU users this is now the main Binance fee, because withdrawing is the only thing you can still do. Three points to check before you send:

1. Pick the network carefully. Use a network that the receiving exchange or wallet supports. Sending on an unsupported network can mean losing the coins.
2. Read the fee on the confirmation screen. The fee in BTC can change between our check and your withdrawal.
3. Withdraw once, not in small pieces. The fee is charged per withdrawal, so one larger transfer costs less in total.

As an illustration only: if one bitcoin were worth €100,000, 0.00002 BTC would be €2.00. Since new spot orders are suspended for EU users, you can’t sell for euros on Binance: move the coins themselves and sell them on a licensed exchange if you want money in your bank account.

Buy, sell, convert and other fees

Binance’s simple buy and sell and convert fees are not in our checked data, and neither are its card purchase fees. Compare the final amount on screen with the same trade on the spot market before you confirm.

Binance products such as copy trading, trading bots and options carry other fees that we haven’t checked, and so do NFT trading fees where Binance offers them. None of these products is open to new EU users. Binance’s fees don’t apply universally across countries either: Binance.US, for example, runs its own fee schedule.

Worked examples: what Binance fees cost in euros

These examples use Binance’s regular spot fee of 0.10%, before any spread, payment fee or withdrawal fee. They apply only to readers outside the EU, because EU users can’t place new spot orders.

A €100 simple buy

Binance’s simple buy fee is not in our checked data, so we can’t price it. The same €100 as a spot market order costs €100 × 0.10% = €0.10, or about €0.08 with the BNB discount (€0.075).

A €1,000 limit order

A €1,000 limit order pays the maker fee: €1,000 × 0.10% = €1.00, or €0.75 in BNB. Because maker and taker fees are equal at the regular level, a limit order doesn’t lower the fee on Binance; it protects you from paying a worse price than you expected.

€100 a month for a year

Twelve spot buys of €100 cost 12 × €0.10 = €1.20 in trading fees, or 12 × €0.075 = €0.90 in BNB.

A round trip: buy and sell €1,000

Buying €1,000 of bitcoin and later selling €1,000 worth costs €1.00 + €1.00 = €2.00 in trading fees, or €1.50 with BNB. Add any euro deposit and withdrawal fees, which we couldn’t verify, and the network fee if you move the coins out.

Binance compared with MiCA-licensed crypto exchanges

Binance is cheaper per trade than most licensed cryptocurrency exchanges, but EU residents can’t use it. These are the entry-tier spot fees from each provider’s own fee page, checked on 23 October 2026:

• Kraken fees: higher per trade (€8.00 on €1,000 as a taker, €4.00 as a maker), but MiCA-licensed with free SEPA deposits and EU-regulated futures. See also Binance vs Kraken.
• Bybit EU fees: a flat 0.25%, so €1.50 more than Binance on a €1,000 trade, under an Austrian MiCA licence.
• OKX fees: with an X-Perps account, OKX’s 0.10% taker matches Binance; without it, 0.35%.

Paying slightly higher fees on other platforms is the price of an exchange that is licensed to serve you and has an EU regulator you can complain to.

How to pay lower fees on Binance

Outside the EU, the cheapest way to trade on Binance is on the spot market, with fees paid in BNB. In the EU, the only cost you can still control is the withdrawal fee.

1. Use spot markets instead of simple buy or convert. Spot fees are published (0.10%); simple buy costs are not in our data.
2. Pay fees in BNB if you trade often. That saves 25% on spot and 10% on futures, at the cost of holding a volatile token.
3. Use limit orders for price control. They don’t cut the fee at the regular level, but they stop a market order from filling at a worse price.
4. Choose the withdrawal network deliberately and withdraw in one go.
5. If you live in the EU, move to a licensed exchange. Withdraw your coins and sell or hold them there.

Who Binance’s fees suit

Binance’s fees suit experienced traders outside the EU who want low spot and futures fees and accept a company with a heavy regulatory record, including a 2023 US guilty plea and settlement of about $4.3 billion. Binance is often described as the largest crypto exchange; it reported 250 million registered users by January 2025.

Everyone living in the EU should look elsewhere: Binance no longer takes EU customers and has no MiCA licence. Crypto prices are volatile, and you can lose all the money you put in, on any exchange. This page is general information to help you make informed decisions, not investment advice.