Best Binance Settings for Lowest Possible Fees
Learn how to optimize every single Binance setting to minimize your trading fees. Combine referral discounts, BNB payment, and VIP levels for maximum savings.
Step 1: Use Referral Code for 20% Off
Register with TRADEOFF20 to unlock a permanent 20% fee discount on every trade.
The 3-Layer Fee Stack: How Discounts Combine
Binance offers three independent discount layers that stack on top of each other. When combined, they can reduce your trading fees by over 40%. Here is how each layer works:
Layer 1: Referral Code TRADEOFF20
20% OffA permanent 20% reduction on all trading fees. This is applied automatically to every trade once you register with the code.
Layer 2: BNB Fee Payment
25% Off RemainingWhen you enable paying trading fees with BNB, Binance gives you an additional 25% discount on the fee amount. This stacks with the referral discount.
Layer 3: VIP Level
Varies by VolumeYour VIP level is determined by your 30-day trading volume. Higher levels mean lower base fees, and all other discounts stack on top of these reduced rates.
Combined Result
Up to 40%+ Total Savings
All three layers work independently and stack multiplicatively, giving you the lowest possible fees on Binance.
Setting 1: Register with Referral Code TRADEOFF20
What It Does
Gives you a permanent 20% lifetime fee discount on every single trade you make on Binance. This applies to both spot and futures trading.
How to Apply
Enter code TRADEOFF20 during the registration process. The discount is automatically applied to your account and cannot be added later.
Where to Set It
This can ONLY be set during the initial account registration. If you already have an account without a referral code, you cannot add one retroactively.
Impact
Saves approximately $240/year on $100K monthly trading volume. The discount is applied before any other fee calculations.
Register with TRADEOFF20 Now
This is the only chance to lock in your 20% lifetime discount.
Setting 2: Enable BNB Fee Payment (25% Additional Discount)
Binance offers a 25% discount on trading fees when you choose to pay them using BNB (Binance Coin). This discount is applied on top of your referral discount, meaning you save even more.
What It Does
Reduces your trading fees by an additional 25% when fees are deducted from your BNB balance instead of the traded asset. Works on spot trading.
Impact
Saves an additional ~$150/year on $100K monthly volume. Combined with referral code, your effective fee rate drops significantly.
How to Enable BNB Fee Payment
Buy BNB
Purchase a small amount of BNB (Binance Coin) on the spot market. Even $10-20 worth is enough to cover trading fees for a while.
Open Fee Settings
Navigate to your Dashboard or Profile, then go to Fee Settings in your account settings.
Enable BNB Fee Deduction
Toggle on the 'Use BNB for Fees' option. All trading fees will be deducted from your BNB balance at a 25% discount.
Important Note
Always keep a small amount of BNB in your spot wallet to cover trading fees. If your BNB balance runs out, fees will be charged at the standard rate without the 25% discount.
Setting 3: VIP Level Optimization
Your Binance VIP level is automatically determined by your 30-day trading volume and BNB holdings. Higher VIP levels unlock progressively lower base fee rates. All referral and BNB discounts stack on top of these already-reduced VIP rates.
| VIP Level | 30d Volume | Spot Maker | Spot Taker | Futures Maker | Futures Taker |
|---|---|---|---|---|---|
| VIP 0 (Regular) | < $1M | 0.1000% | 0.1000% | 0.0200% | 0.0500% |
| VIP 1 | > $1M | 0.0900% | 0.1000% | 0.0160% | 0.0400% |
| VIP 2 | > $5M | 0.0800% | 0.1000% | 0.0140% | 0.0350% |
| VIP 3 | > $20M | 0.0420% | 0.0600% | 0.0120% | 0.0320% |
| VIP 4 | > $100M | 0.0420% | 0.0540% | 0.0100% | 0.0300% |
| VIP 5 | > $150M | 0.0360% | 0.0480% | 0.0080% | 0.0270% |
| VIP 6 | > $400M | 0.0300% | 0.0420% | 0.0060% | 0.0240% |
| VIP 7 | > $800M | 0.0240% | 0.0360% | 0.0040% | 0.0220% |
| VIP 8 | > $2B | 0.0180% | 0.0300% | 0.0020% | 0.0200% |
| VIP 9 | > $4B | 0.0120% | 0.0240% | 0.0000% | 0.0170% |
How to Check Your VIP Level
Log in to your Binance account and go to your Dashboard. Your current VIP level is displayed at the top of the page along with your 30-day trading volume and progress toward the next level.
Tips to Reach Next VIP Level Faster
Consolidate trading on Binance instead of splitting across multiple exchanges.
Use futures trading which counts toward your VIP volume at a higher multiplier.
Hold BNB to meet BNB balance requirements for each VIP tier.
Check Binance promotions for temporary VIP upgrades and trial periods.
Bonus Settings: 4 Additional Ways to Save
Use Limit Orders Over Market Orders
Limit orders (maker) have lower fees than market orders (taker) at higher VIP levels.
Trade During Promotions
Binance regularly offers zero-fee trading pairs and promotional fee discounts. Check the announcements page.
Avoid Unnecessary Conversions
The Binance Convert feature is convenient but may include a spread. Use the spot trading interface with limit orders instead.
Monitor Fee Changes
Binance occasionally updates its fee structure. Follow official announcements to always pay the lowest rates.
Complete Savings Calculation by Volume
See exactly how much you save at different monthly trading volumes when combining all three discount layers (Referral + BNB + VIP 0):
| Monthly Volume | Standard Fee | With Referral | + BNB Discount | Combined Fee | Monthly Saved | Yearly Saved |
|---|---|---|---|---|---|---|
| $10K | $10.00 | $8.00 | $6.00 | $4.80 | $5.20 | $62.40 |
| $50K | $50.00 | $40.00 | $30.00 | $24.00 | $26.00 | $312.00 |
| $100K | $100.00 | $80.00 | $60.00 | $48.00 | $52.00 | $624.00 |
| $500K | $500.00 | $400.00 | $300.00 | $240.00 | $260.00 | $3,120.00 |
Note: Calculations based on VIP 0 taker fees (0.10%). Actual savings may be higher with VIP upgrades. Referral = 20% off, BNB = 25% off remaining fee.
Frequently Asked Questions
Optimize Your Fees Now
Follow all three settings to unlock the lowest possible Binance trading fees. Start with the referral code - it is free and permanent.
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