Binance.US charges 0% maker fees and 0.01% taker fees on its core USD pairs, with no volume requirements to unlock that rate. Pay with BNB and you shave another 5% off. ACH deposits and withdrawals are free, but wire transfers, card deposits, and crypto network fees still apply. Here is every fee, broken down.
Binance.US Trading Fees
Binance.US overhauled its fee structure in April 2026, cutting spot trading costs to near zero for every account, not just high-volume traders. On Tier 0 pairs, which cover the major USD markets like BTC/USD and ETH/USD, the rate is flat: 0% maker, 0.01% taker, regardless of how much you trade in a 30-day period.
That is a real shift from the old model. Before the cut, Binance.US ran a tiered schedule where light traders paid noticeably more than whales. Now a $200 trade and a $200,000 trade get the same rate on eligible pairs.
Tier I pairs, the smaller-cap and less liquid listings, still run on a volume-based schedule. Your 30-day trading volume is recalculated daily at 8 p.m. EDT on a rolling basis, and lower fees kick in automatically as your volume climbs.
BNB Fee Discount
Binance.US still offers a BNB discount. Opt to pay trading fees in BNB and you get 5% off your spot trading fees on top of the standard rate. Select BNB pairs, like BNB/USD, already trade at 0% maker and 0.01% taker, so the discount mostly matters on other pairs where you are paying a higher base rate.
Trading Fee Summary
| Fee Type | Amount |
|---|---|
| Maker fee (Tier 0 pairs, e.g. BTC/USD, ETH/USD) | 0% |
| Taker fee (Tier 0 pairs) | 0.01% |
| Maker/taker fee (Tier I pairs) | Volume-based, tiered by 30-day volume |
| BNB payment discount | 5% off trading fees |
| Subscription or minimum volume required | None |
Binance.US Deposit Fees
Funding your account is free if you use a bank transfer. Every other method costs something.
- ACH bank transfer: Free. No fee on either end for linking and moving USD from a US bank account.
- Wire transfer: Third-party fee trackers put incoming wire costs around $10 to $15 per transaction. Binance.US does not publish a flat number on its site since your bank may add its own outgoing wire charge, so confirm the total before you send.
- Debit or credit card: Around 3.75% of the deposit amount. This is the most expensive way to fund a Binance.US account and worth avoiding for anything beyond a quick first deposit.
- Crypto deposits: Free. Send BTC, ETH, or any supported token to your Binance.US wallet address and Binance.US does not charge anything on top of the network fee you already pay to move it.
Binance.US Withdrawal Fees
Withdrawals work the same way in reverse. ACH is free, wire costs a flat fee, and crypto withdrawals pass through the actual network cost plus a small platform fee that changes with network conditions.
USD Withdrawals
ACH withdrawals to a linked US bank account are free and typically land in 1 to 5 business days, depending on your bank. Wire withdrawals run roughly $10 to $15 and move faster, usually within a business day. Recently deposited ACH funds are subject to a 7-day holding period before they can be withdrawn, which catches a lot of new users off guard.
Crypto Withdrawals
Binance.US uses a dynamic model for most crypto withdrawal fees rather than a single flat rate. The fee is calculated close to the time you withdraw and reflects actual network gas costs, so it moves with congestion. You always see the exact fee on the confirmation screen before you approve the transaction.
Bitcoin is the exception. A BTC withdrawal costs a flat 0.0002 BTC, roughly $12 to $13 at current prices, with a minimum withdrawal of 0.0004 BTC. Ethereum and ERC-20 token withdrawals use the dynamic model, so the fee shifts with Ethereum network activity. Sending during low-traffic hours, like early morning US time, usually costs less than sending during peak trading hours.
Deposit and Withdrawal Fee Summary
| Fee Type | Amount |
|---|---|
| ACH deposit | Free |
| ACH withdrawal | Free |
| Wire deposit | ~$10 to $15 (varies by bank) |
| Wire withdrawal | ~$10 to $15 |
| Debit/credit card deposit | ~3.75% |
| Crypto deposit | Free (network fee only) |
| BTC withdrawal | 0.0002 BTC flat fee |
| ETH/ERC-20 withdrawal | Dynamic, tied to live network gas costs |
Account and Inactivity Fees
Binance.US does not charge a monthly fee, inactivity fee, or account maintenance fee. You can hold a balance and never trade without getting charged for it.
There is one thing to watch. Accounts left completely inactive for three years or more can be flagged as dormant under state unclaimed property laws, and the balance may eventually be escheated to the state. Logging in periodically resets that clock, so it is not a real risk for anyone who checks their account even a couple of times a year.
Binance.US Fees vs. Coinbase and Kraken
Binance.US now undercuts both major US competitors on headline spot trading fees. Its flat 0% maker and 0.01% taker rate on core pairs sits well below Coinbase’s fees, especially the basic Coinbase app, where simple buys carry spread markups and flat fees that push effective costs much higher than Binance.US.
Kraken’s fees are more competitive than Coinbase’s but still run on a tiered maker/taker schedule that starts higher than Binance.US and only approaches Binance.US rates at high monthly volume. For a trader making occasional trades, Binance.US is the cheaper entry point of the three on trading fees alone.
Where the gap narrows is funding and withdrawing. All three charge similar wire fees and all three offer free ACH. If you are comparing exchanges on total cost rather than just the trading fee line, check our broader roundup of low-fee and free crypto exchanges and our list of the best crypto exchanges for how Binance.US stacks up on the rest of the picture, not just fees.
If your priority is getting through Binance.US verification rather than comparing costs, our Binance.US KYC guide covers the documents, tiers, and timelines for identity verification.
Frequently Asked Questions
What are Binance.US trading fees right now?
Binance.US charges 0% maker and 0.01% taker fees on Tier 0 pairs like BTC/USD and ETH/USD, regardless of your 30-day trading volume. There is no subscription or minimum volume needed to get that rate. Smaller Tier I pairs still use a volume-based schedule.
Does Binance.US still offer a BNB fee discount?
Yes. Paying trading fees with BNB gets you an extra 5% off your spot trading fees on top of the standard rate. Select BNB pairs already trade at the lowest available rate, so the discount matters most on other trading pairs.
Are Binance.US ACH deposits and withdrawals free?
Yes. ACH bank transfers are free in both directions on Binance.US. Withdrawals typically take 1 to 5 business days depending on your bank, and recently deposited ACH funds are held for 7 days before they can be withdrawn.
How much does a Binance.US wire transfer cost?
Wire deposits and withdrawals on Binance.US typically cost around $10 to $15 per transaction, though your own bank may add an outgoing wire fee on its end. The exact fee is always shown before you confirm the transfer.
What is the Binance.US withdrawal fee for Bitcoin?
A Bitcoin withdrawal from Binance.US costs a flat 0.0002 BTC, roughly $12 to $13 at current prices, with a minimum withdrawal of 0.0004 BTC. Ethereum and ERC-20 token withdrawals use a dynamic fee that moves with live network gas costs instead of a flat rate.
Does Binance.US charge an inactivity or account fee?
No, Binance.US does not charge a monthly, maintenance, or inactivity fee. Accounts left untouched for three years or more can be flagged dormant under state unclaimed property law, but simply logging in periodically avoids that.
