The standard spot trading fee on Binance is 0.1% for both sides. After enabling BNB deduction, you enjoy a 25% discount on spot trading and a 10% discount on futures trading, immediately dropping the actual rate to 0.075% (spot) and 0.018% (futures). Over a year, this can save you hundreds to thousands of USDT. This article clearly explains how to enable and correctly use BNB fee deduction. The most direct path to enable it is in the Account Center on the Binance Official Website. Mobile users can also complete this on the Binance Official App; iPhone users please refer to the iOS Installation Guide.
How the Discount is Calculated
| Scenario | Standard Rate | With BNB Deduction | Discount |
|---|---|---|---|
| Spot Trading | 0.1% | 0.075% | 25% |
| USDⓈ-M Futures Taker | 0.04% | 0.036% | 10% |
| USDⓈ-M Futures Maker | 0.02% | 0.018% | 10% |
| Margin Borrowing | Standard Rate | Same as above | No Discount |
Example: You trade 100,000 USDT in a month.
- Without deduction: 100 USDT fee
- With deduction: 75 USDT fee
- Save 25 USDT per month
The larger the trading volume, the more you save. If your annual trading volume is 1 million USDT, you can save 3,000 USDT.
Complete Steps to Enable BNB Deduction
Web Version
- Top right corner profile icon → "Dashboard" (or Account)
- Left menu → "Overview"
- Find the "Using BNB to pay for fees" toggle
- Switch it to the "On" state
- It takes effect immediately
App Version
- Bottom "Wallets" or "Account" → Profile icon
- Scroll down to find "Use BNB to get discount"
- Turn on the switch
It takes effect immediately upon activation, and the next trade will be deducted at the discounted rate.
Detailed Deduction Rules
Rule 1: Your Account Must Have Enough BNB
Enabling the deduction is just turning on the switch; you must also have BNB in your account for the deduction to actually happen. If your BNB balance is 0:
- The system still deducts the fee from your account
- But it will deduct USDT or the corresponding coin based on the stated price when the BNB deduction switch is on
- Without BNB, the actual deduction is at the standard rate
Therefore, after turning on the switch, remember to keep a little BNB in your spot account.
Rule 2: Priority to Pay with BNB
When you have BNB, the fee is prioritized to be deducted from BNB, and then from the corresponding coin of the trade.
- Buy BTC for 100 USDT → Fee 0.075 USDT → Deducted corresponding BNB from your BNB balance
- Sell BTC to get 100 USDT → Fee 0.075 USDT → Still deducts BNB
BNB will slowly decrease, and you need to replenish it regularly.
Rule 3: BNB's Own Trading Pairs
When trading with a BNB pair (e.g., BNB/USDT), buying BNB pays the fee in USDT, and selling BNB pays the fee in BNB. In this case, the BNB deduction takes effect inherently, and no extra BNB is needed.
Rule 4: Only Applies to Certain Accounts
BNB deduction applies to:
- Spot Account
- USDⓈ-M Futures Account (independent switch)
- COIN-M Futures Account (independent switch)
- Margin Trading
Does NOT apply to:
- P2P Trading (P2P has no fees)
- Earn Products
- Launchpad Subscriptions
How Much BNB is Enough
The price of BNB is calculated in USDT, so how much BNB you need depends on your trading volume:
| Monthly Volume | Needed BNB | Estimated at BNB=$500 |
|---|---|---|
| 10,000 USDT | 0.015 BNB | $7.5 |
| 100,000 USDT | 0.15 BNB | $75 |
| 1,000,000 USDT | 1.5 BNB | $750 |
It is recommended to always maintain enough BNB to cover at least 3 months of trading volume to avoid it running out and disabling the discount.
Auto Top-Up BNB
If you are worried about running out of BNB, you can enable Auto Top-Up:
- "Account" → "Auto Buy BNB"
- Set the Trigger Price: e.g., "Automatically buy 1 BNB when BNB balance is below 0.1"
- Set the Funding Source: Automatically convert from USDT
- Save and it will execute automatically
This ensures your BNB supply never cuts off, and fees will always enjoy the discount.
Stacking with VIP Level Discounts
BNB deduction can be stacked with VIP level discounts:
| VIP Level | 30-Day Volume | Spot Maker | Spot Taker | Taker with BNB Deduction |
|---|---|---|---|---|
| VIP 0 | <$1M | 0.1% | 0.1% | 0.075% |
| VIP 1 | $1M | 0.09% | 0.1% | 0.075% |
| VIP 2 | $5M | 0.08% | 0.1% | 0.075% |
| VIP 3 | $20M | 0.042% | 0.06% | 0.045% |
| VIP 9 | $4B | 0.02% | 0.04% | 0.03% |
Under the dual discount of High VIP + BNB deduction, the cost for million-dollar traders can be as low as 0.03%.
Common Misconceptions
Misconception 1: Enabling the deduction means saving money forever
Incorrect. Your account must have a BNB balance to truly save money. When there is no BNB, fees are still deducted at the standard rate.
Misconception 2: BNB price fluctuations affect the discount percentage
They do not. The discount is fixed at 25% (Spot) / 10% (Futures). BNB price fluctuations only affect "how much BNB is deducted for a single fee", not the discount percentage.
Misconception 3: BNB deduction works on P2P
Invalid. Binance P2P is inherently fee-free, so deduction is irrelevant.
Misconception 4: If I use a referral rebate, I don't need BNB deduction
Both can be enjoyed simultaneously. Referral rebates return "a portion of the fee you have already paid," meaning deduct first, then rebate. Enabling BNB deduction makes the deduction stage itself discounted, and stacking it with rebates gives the best effect.
Frequently Asked Questions
Q: How do I know if the BNB deduction is working?
A: Check your "Order History" or "Trade History", and look at the "Fee" field to see if the coin is BNB. If it's BNB, the deduction worked; if it's USDT or another coin, it means your account did not have enough BNB balance at the time, and the deduction failed.
Q: Can BNB deduction be turned off?
A: Yes, it can be turned off at any time. Simply switch the same toggle to the "Off" state. After turning it off, fees will be deducted in the corresponding coin of the trade (buy BTC deduct BTC, sell BTC deduct USDT), and your BNB balance will no longer be used.
Q: Is holding BNB only for fee deductions?
A: No. BNB has other uses: Launchpad new coin subscriptions (requires holding BNB), Earn products (BNB interest), Gas fees on the BNB Chain, Staking dividends, etc. BNB is the core token of the Binance ecosystem.
Q: Will BNB deduction affect Maker rebates?
A: No. Maker rebates (VIP 3 and above) and BNB deductions are two independent mechanisms. Rebates are still calculated at the original rate, while the deduction simply discounts the portion you actually pay. Both can be obtained simultaneously.