Fee Comparison8 min read

Binance Spot vs Futures Fees: With vs Without Referral

Understand the fee differences between Spot and Futures trading on Binance, and see exactly how much you save with referral code TRADEOFF20 on each.

0.1%
Spot Base Fee
0.02%
Futures Maker
20%
Referral Discount
40%+
Max Savings

Exclusive 20% Fee Discount

Use code TRADEOFF20 to save 20% on all Spot and Futures trading fees.

Register Now

Quick Overview: Spot vs Futures Fees

Spot Trading

Maker Fee0.10%
Taker Fee0.10%
With TRADEOFF200.08%

Standard fees for regular users (VIP 0). Buy and sell crypto assets directly.

Futures Trading

Maker Fee0.02%
Taker Fee0.05%
With TRADEOFF200.016% / 0.04%

Standard fees for regular users (VIP 0). Trade perpetual and quarterly contracts with leverage.

Detailed Fee Comparison Table

Fee TypeSpot (Standard)Spot (TRADEOFF20)Futures (Standard)Futures (TRADEOFF20)
Maker Fee0.100%0.080%0.020%0.016%
Taker Fee0.100%0.080%0.050%0.040%
With BNB Discount (25% off)0.075%0.060%0.015% / 0.0375%0.012% / 0.030%
Combined (Referral + BNB)-0.060%-0.012% / 0.030%

Fees shown for VIP 0 (regular users). BNB discount applies when using BNB to pay fees. Referral discount is 20% off standard fees.

Real-World Savings Examples

See how much you save per month at different trading volumes when using referral code TRADEOFF20.

$10,000
Monthly Volume
Spot Savings
$2.00
per month
Futures Savings
$0.70
per month
Combined Savings
$2.70
per month
$32.40 / year
$50,000
Monthly Volume
Spot Savings
$10.00
per month
Futures Savings
$3.50
per month
Combined Savings
$13.50
per month
$162.00 / year
$100,000
Monthly Volume
Spot Savings
$20.00
per month
Futures Savings
$7.00
per month
Combined Savings
$27.00
per month
$324.00 / year

Spot Trading Fees Explained

Spot trading on Binance means buying and selling actual cryptocurrency assets. You own the coins and can withdraw them to your wallet.

Maker Fee (0.10%)

You pay a maker fee when you place a limit order that doesn't fill immediately. Your order goes on the order book and "makes" liquidity.

Taker Fee (0.10%)

You pay a taker fee when you place a market order or a limit order that fills immediately. Your order "takes" liquidity from the order book.

With TRADEOFF20: Both Fees Drop to 0.08%

Register with referral code TRADEOFF20 and both your maker and taker fees drop from 0.10% to 0.08%. A 20% discount on every spot trade, permanently.

Futures Trading Fees Explained

Futures trading on Binance involves trading contracts based on the price of an asset. You don't own the asset itself but can profit from price movements using leverage.

Maker Fee (0.02%)

Futures maker fees are significantly lower than spot. At 0.02%, placing limit orders on futures is 5x cheaper than spot trading. This incentivizes providing liquidity to the futures order book.

Taker Fee (0.05%)

Futures taker fees are 0.05%, which is half the spot taker fee. Market orders in futures are cheaper, but remember that with leverage your effective position size may be much larger.

Funding Rate (Not a Trading Fee)

Funding rates are periodic payments between long and short traders on perpetual contracts. They are NOT part of the trading fee and vary based on market conditions. They can be positive (longs pay shorts) or negative (shorts pay longs).

Leverage Doesn't Multiply Fees

Fees are calculated on your total position size (margin x leverage), not just your margin. So a $1,000 position at 10x leverage means fees are charged on $10,000. However, the fee percentage itself does NOT change with leverage.

With TRADEOFF20: Maker 0.016% / Taker 0.04%

Using referral code TRADEOFF20 gives you a 20% discount on futures trading fees too. Maker drops from 0.02% to 0.016%, and taker drops from 0.05% to 0.04%. This stacks with BNB fee payment for even more savings.

Which Is Cheaper: Spot or Futures?

At first glance, futures fees are significantly lower. But the full cost picture is more nuanced. Here's what to consider:

Futures: Lower Base Fees

  • Maker fee is 5x lower (0.02% vs 0.10%)
  • Taker fee is 2x lower (0.05% vs 0.10%)
  • Great for high-frequency trading strategies
  • Can go short (profit from price drops)

Futures: Hidden Costs & Risks

  • Funding rates add recurring costs (every 8 hours)
  • Liquidation risk with leverage can wipe your margin
  • More complex, steeper learning curve for beginners
  • Fees charged on full leveraged position size

Verdict

For pure fee comparison, futures wins. But for total cost of ownership (including funding rates and risk), spot trading is simpler and more predictable. The best approach: use TRADEOFF20 to save 20% on whichever you choose.

How to Get the Lowest Fees on Binance

Step 1

Register with Referral Code TRADEOFF20

Get an instant 20% lifetime discount on all trading fees. This applies to both Spot and Futures trading.

Step 2

Pay Fees with BNB

Enable BNB fee payment in your account settings. This gives you an additional 25% discount on Spot fees and 10% on Futures fees.

Step 3

Use Limit Orders (Maker Rate)

Whenever possible, use limit orders instead of market orders. Maker fees are lower than taker fees, especially on Futures.

Step 4

Increase Your VIP Level

Higher 30-day trading volume qualifies you for better VIP tiers with progressively lower fees. VIP 1 starts at $1M monthly volume.

Maximum Savings Stack

Spot Trading
  • TRADEOFF20: -20%
  • BNB payment: -25%
  • Limit orders: maker rate
  • Result: 0.060% per trade
Futures Trading
  • TRADEOFF20: -20%
  • BNB payment: -10%
  • Limit orders: maker rate
  • Result: 0.012% per trade

Start Saving on Every Trade

Register with TRADEOFF20 and save 20% on both Spot and Futures trading fees. It takes less than 2 minutes.

Frequently Asked Questions

Save on Every Trade

Whether you trade Spot or Futures, TRADEOFF20 gives you a permanent 20% fee discount on Binance. Register now and start saving.

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