Binance Fees in 2026: Binance.com vs Binance.US, Trading and Withdrawals

How much are Binance fees in 2026? It depends on which Binance you mean. Binance.com, the global exchange, charges 0.10% maker and 0.10% taker on spot trades at its entry level, or 0.075% if you pay the fee in its BNB token. It doesn't serve US residents. Binance.US, a separate US company, charges 0% maker and 0.02% taker on its order book.

Cards cost extra on both. Binance.com also prices each crypto withdrawal by coin and network. On Binance.com a card buy costs 2%, and sending bitcoin out on the Bitcoin network costs 0.00002 BTC. On Binance.US a card deposit costs 3.99%, and its simple Buy screen adds a spread instead of a fee.

We read every Binance fee on this page from Binance.com's fee pages and Binance.US's fee page on November 6, 2026. Binance.com showed us its global site from an EU connection. Where Binance publishes no number, we say so. For everything else about the exchange, see our Binance review.

Two things to check before these fees matter to you.

First, whether you can open an account: Binance's prohibited countries list excludes the United States (including US citizens living abroad), Canada and the Netherlands, among others. And since July 1, 2026 Binance has stopped taking new users in the EU, where ESMA's register lists no MiCA licence for it.

Second, whether you can withdraw. On October 29, 2026, attackers took about $6.3 billion from Binance's hot wallets, and on November 4 Binance said it was still reopening withdrawals in phases.

What does Binance.com charge to trade?

Binance.com's spot fee schedule charges 0.100% maker and 0.100% taker on spot and margin trades until your 30-day volume reaches $1 million. With the BNB fee discount, paying the fee in BNB, both drop to 0.075%. The cheaper VIP levels need both trading volume and a BNB balance. That second condition matters, because a trader with $5 million of monthly volume but no BNB stays at the Regular rate.

Five more VIP levels sit between VIP 3 and VIP 9, and your volume counts trades from spot, margin, Convert, copy trading and trading bots. Pairs quoted in USDC have their own rate: the standard maker fee and 0.095% taker at the Regular level.

Is Binance Convert free?

Not quite. Binance's Convert page says Convert "does not add a separate trading fee", but the cost is "already included in the quoted rate". So you pay through the price. Compare the Convert quote with what the same trade would cost on the spot order book at 0.10%.

What a $1,000 trade costs on Binance.com

A $1,000 spot trade at the Regular level costs $1.00 in fees, or $0.75 if you pay in BNB. That holds whether your order is a maker or a taker, because both rates are the same. A $1,000 card purchase through Buy Crypto costs $20.

What does it cost to buy crypto with a card on Binance?

On Binance.com, Buy Crypto charges 2% by Visa or Mastercard, Apple Pay or Google Pay, 1.5% by PayPal and 1.1% by Revolut, according to its Buy/Sell fee page. A SEPA bank payment costs a flat 1 EUR. Selling to a card costs the same 2%.

Depositing cash by card first and then trading costs more. Binance's fiat fee page lists card deposits at 3.3% in euros and 3.6% in US dollars, against 2% to buy crypto with the same card directly. SWIFT bank deposits are free. Withdrawing euros costs 1 EUR by SEPA Instant or 35 EUR by SWIFT, and US dollars cost 25 USD by SWIFT. The euro figures mainly help existing EU customers, since Binance has taken no new EU users since July 1, 2026.

What are Binance.US fees?

Binance.US is run by BAM Trading Services, a separate US company with money transmitter licenses in 32 states, according to its fee page. On its Advanced (spot) order book it charges 0% maker and 0.02% taker on all pairs except BNB/USD, which costs 0% and 0.01%. The taker fee falls to 0.01% once your 30-day volume reaches $500 million. Paying in BNB takes 5% off.

The simple screens work differently. Binance.US says Buy, Sell and Convert fees "work as a spread built into the price", shown on the Preview Purchase screen, and that the 0% / 0.02% rate doesn't apply to its One Click Buy and Sell. It publishes no size for that spread. Advanced trading "carries no spread".

In dollars, a $1,000 market order on Binance.US costs $0.20 at the 0.02% taker fee, and a limit order that waits on the book costs nothing. Funding that $1,000 by card costs $39.90 first, about 200 times the trading fee. ACH is free.

One more Binance.US charge is easy to miss. Its staking service keeps 9.95% to 39.95% of your rewards, and its Soft-Stake program keeps 90%. Check your state first, too. Binance.US's state list names 16 states and territories where you can't open an account, including New York, North Carolina and Texas.

What does Binance charge to withdraw crypto?

On Binance.com, crypto deposits are free. "Binance does not charge deposit fees," its fee page says. Withdrawals have been coming back in phases since November 1, after the October 29 hack, so check that your coin and network are open before you send.

Each Binance.com withdrawal carries a flat fee per coin and network, which Binance says "can fluctuate without notice due to factors such as network congestion". Binance.US instead shows a dynamic fee before you confirm. Here is what Binance.com's withdrawal fee table listed on November 6, 2026:

The network matters more than the coin. Sending USDT on Tron costs 200 times what it costs on BNB Smart Chain, and the Tron route has a 10 USDT minimum. On a $100 USDT transfer, that is $2 against one cent.

Bitcoin shows the same gap. The BTC (SegWit) option costs 0.001 BTC with a 0.002 BTC minimum, 50 times the 0.00002 BTC fee on the Bitcoin network option, whose minimum is 0.0001 BTC. Check that the receiving wallet supports the network before you pick the cheap one. Binance also lists bitcoin on BNB Smart Chain for almost nothing, but that is a token on Binance's own chain, not bitcoin on the Bitcoin network.

What do Binance futures cost?

Binance.com's USDⓈ-M futures charge 0.02% maker and 0.05% taker at the Regular level, below $5 million of 30-day futures volume. Paying in BNB takes 10% off, to 0.018% and 0.045%, and at VIP 9, the top level, the maker fee reaches 0% and the taker fee 0.017%.

Why do older guides quote different Binance fees?

Partly because withdrawal fees move: Binance prices them by network cost, so an old figure can be far off. Our own Binance review quoted a 0.0005 BTC withdrawal fee until this update; Binance's table showed 0.00002 BTC on November 6, 2026. The review also showed "0.1%/0.075%" as if those were maker and taker rates. They are the standard rate and the BNB rate. We've corrected both.

The other source of confusion is the two Binances. A guide that quotes 0.10% for US readers is describing an exchange they can't use. One that quotes 0.02% is describing Binance.US.

How do Binance fees compare with other exchanges?

On the order book, both Binances are cheap, and Binance.US is cheaper still. These are the lowest-volume maker/taker rates each exchange publishes on its own fee page:

We read the two Binances on November 6, Kraken on November 4, Coinbase on November 3 and Crypto.com on October 17, 2026. Sources: the Crypto.com Exchange, Coinbase Exchange and Kraken fee pages. Low trading fees don't cover everything. Card purchases, the Binance.US spread and withdrawal fees can cost more than the trade itself on a small order.

How can you cut your Binance fees?

1. Trade on the order book, not the simple screens. Binance.com's spot fee is 0.10%; on Binance.US a limit order that rests on the book pays 0%.
2. Use the BNB fee discount. Paying fees in BNB takes 25% off Binance.com spot fees, 10% off futures and 5% off Binance.US.
3. Fund by bank, not card. Card deposits cost 3.3% to 3.99%; ACH on Binance.US and SWIFT deposits on Binance.com are free.
4. Buy directly if you must use a card. Binance.com's 2% card purchase beats a 3.3% or 3.6% card deposit followed by a trade.
5. Pick the withdrawal network. USDT on BNB Smart Chain costs 0.01 USDT to send; on Tron it costs 2.
6. Check the Convert quote. It has no separate fee, but the cost is in the rate.

New to buying crypto? Our guide on how to buy bitcoin covers the main routes. To look past Binance fees to the platform itself, read our full Binance review, or run your own numbers in the crypto fee calculator.