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Binance crypto purchase fees : understand them and minimize them
If you're considering or already use Binance , a common question concerns the fees for buying crypto on Binance . This article will provide a detailed explanation of the applicable fees and, more importantly, how to optimize them. Whether you're a complete beginner or already familiar with the platform, the goal is to help you minimize your commissions and understand every detail of the fee structure, from deposits and trading to futures and withdrawals.
In short: the fees for buying crypto on Binance
In 2025, Binance remains one of the most competitive cryptocurrency exchanges on the market. Base fees on the spot market are around 0.10% for maker and taker orders. These fees can be reduced by using BNB to pay commissions, with a 25% discount, or by joining a VIP program. Binance is among the exchanges with the most competitive fees. Furthermore, deposits and withdrawals of funds in euros or cryptocurrencies are subject to specific rules that should be understood to avoid excessive charges. Below, we will discuss each aspect of these trading fees and the most effective strategies for reducing them.
Table of contents
Understanding the structure of crypto purchase fees on Binance
In the world of decentralized finance , Binance is known for its fees and high liquidity . Fees vary across several products: the spot market (for the direct purchase and sale of crypto assets), futures (forward contracts), and options . Futures and options are not available Binance
In parallel, the exchange also offers various deposit and withdrawal methods, each involving different costs.
Fresh on the Spot Market
The spot market is the primary market, where you directly buy and sell cryptocurrencies ( BTC BTC ETH, BNB , etc.) at the market price. Fees depend primarily on the distinction between a maker order and a taker order:
- Maker order : Your limit order creates liquidity by entering the order book. As long as your order is not executed immediately, you are a “maker”.
- Taker order : when an order is executed directly at the market price or will immediately take existing liquidity, you are a “taker”.
In 2025, for a standard user (VIP 0), the maker and taker fees on Binance are each around 0.10%. Therefore, simply multiply your transaction amount by 0.10% to obtain the applicable commission.
If you buy, for example, 1 ETH at $1,500, the transaction cost is $1.50 (0.10% of $1,500). But there are several ways to pay less, including:
- Using BNB : paying commissions in BNB (the platform's native token) grants a discount on fees of approximately 25% (standard spot rate).
- Reaching VIP level : The VIP program allows you to reduce commissions once you reach a certain trading volume (over 30 days) and BNB balance . However, significant trading volumes are required to achieve this.
Fees on futures and derivatives
Futures (or forward contracts) and other derivative products (such as perpetual futures ) have a different fee structure. At the standard level, maker fees start around 0.02% and taker fees around 0.04%. Again, using BNB to pay fees will allow you to save money (by about 10% in this market), and accessing VIP levels will gradually reduce these commissions.
Fees on options
Regarding options (financial instruments that allow you to buy or sell an asset at a predetermined price), Binance typically applies a fee of around 0.03% for both maker and taker orders. However, this market fluctuates regularly, and it's recommended to check the table provided by Binance for the current pricing.
Deposit and withdrawal fees
Beyond trading costs, deposit and withdrawal fees must be taken into account, whether in fiat currencies (EUR, USD, etc.) or in crypto.
- Euro deposits : Binance SEPA transfers, generally with a fixed fee of only €1, regardless of the amount. Deposits by bank card (Visa or Mastercard) are often charged at 2% of the amount.
- Euro withdrawals : withdrawal via SEPA incurs a €1 fee, while withdrawal via bank card (if available in your area) may incur additional fees (varying depending on the region and payment institution).
- Crypto deposits : no deposit fees. Transferring BTC , ETH, USDT or other tokens from an external wallet Binance does not generate any additional commission (apart from the gas fee paid at the time of sending, which is not collected by Binance but by the relevant blockchain
- Crypto withdrawals vary depending on the blockchain and network congestion. For example, withdrawing BTC on the Bitcoin network might cost 0.00005 BTC , while using a network like BEP-20 ( Binance Smart Chain) would reduce the cost to 0.0000039 BTC . Withdrawal fees can therefore be significantly optimized by choosing the right blockchain when a cryptocurrency is available on multiple networks.
Summary table of crypto purchase fees on Binance
The table below provides a general overview of Binance crypto purchase fees in 2025. The exact amounts are subject to change, but this overview illustrates the orders of magnitude:
| Type of fee | Standard Rate/Cost | Discount if paying in BNB | Noticed |
|---|---|---|---|
| Spot (Maker/Taker) | 0,10 % / 0,10 % | 25% discount | VIP 0 (standard user) |
| Futures (Maker/Taker) | 0,02 % / 0,04 % | 10% discount | Levels vary according to VIP |
| Options (Maker/Taker) | 0,03 % / 0,03 % | N/A (often not applicable) | May fluctuate depending on demand |
| Deposit in euros (SEPA transfer) | 1 € | — | Fixed costs |
| Deposit in euros (bank card) | 2% of the amount | — | Varies by region |
| Withdrawal in euros (SEPA) | 1 € | — | Single price |
| Crypto withdrawal | Depends on the network | — | Suitable for congestion |
To compare these fees with other platforms, we invite you to consult our comparison of trading fees of the main cryptocurrency exchange platforms and our detailed comparison of fees between Binance and Coinbase .
The VIP program: a way to reduce crypto purchase fees on Binance
Binance offers a VIP program with nine levels. Access to these levels depends on both your 30-day trading volume BNB you hold in your account. The higher you climb in these levels, the lower your trading fees become. This applies to both the spot and futures markets.
Here is a non-exhaustive overview of the VIP program conditions in 2025:
In practice, reaching even VIP level 1 requires a relatively high level of trading activity, coupled with holding at least 25 BNB . The benefits are cumulative, as you can apply the 25% discount associated with paying fees in BNB significantly reducing your fees
Optimizing your crypto purchase fees on Binance : 2 strategies
Pay commissions in BNB
The simplest trick is to activate automatic payment of trading fees in BNB . Specifically, Binance deducts the fees directly from your BNB , giving you discounts of up to 25% on the spot market, 10% on futures, and so on. Over a year of regular trading, this can add up to a significant amount.
Depositing and withdrawing euro funds via SEPA
The fee for a bank card payment might seem attractive if you want instant funds. However, if you have the option of making a SEPA transfer, you'll pay a flat fee of just €1. For example, on a €1,000 deposit, a SEPA transfer costs only €1, compared to €20 for a 2% card payment. The same logic applies to withdrawals, where a SEPA transfer also costs just €1. This approach optimizes the cost of depositing and withdrawing funds with Binance .
How to reduce your crypto purchase fees on Binance by paying them in BNB ?
- Go to Settings:
- Scroll down to the trader and fee deduction tab:
- Make sure you have BNB in the account and activate the option:
Network charges, gas fees and alternative networks
One of Binance 's major advantages is the choice of multiple blockchains for withdrawing or depositing the same asset. For example:
- BTC can be withdrawn via the native Bitcoin network, the Lightning (in some cases) or the BTC Binance Chain (BEP-20) depending on availability.
- ETH can be sent on the Ethereumnetwork, the Binance Smart Chain (BEP-20), Arbitrum, Polygon, or Base. Each of these networks charges separate transaction fees (gas fees).
Therefore, if you're looking to minimize fees , you can select a less congested alternative network. However, always ensure that the destination platform supports this network, or you risk permanently losing your funds. In fact, optimizing crypto purchase fees on Binance isn't solely about exchange commissions, but also about the blockchain's choices for withdrawals and deposits.
Numerical examples to visualize the impact of crypto purchase fees on Binance
Example 1: Purchase of $2,000 worth of BTC on the spot market
Let's imagine a standard user (VIP 0) who wants to buy BTC. Without paying in BNB, the commission is 0.10%. On a $2,000 purchase, this represents:
Fees = $2,000 x 0.10% = $2
If he decides to hold enough BNB and pay the fees with it, he receives a 25% discount. Instead of $2, he will pay:
Fee = $2 x 0.75 = $1.50
A saving of $0.50 on a single transaction. This may seem insignificant, but accumulated over dozens or hundreds of orders throughout the year, the difference becomes significant.
Example 2: Intense trading on the spot market
Let's say a day trader makes $100,000 worth of buy/sell transactions each day. Over a 30-day month, that's $3,000,000. Without any discounts, the fees would be:
$3,000,000 x 0.10% = $3,000
By using BNB, these fees drop to 75% of $3,000, or $2,250. The savings amount to $750 per month, or $9,000 per year, simply by paying commissions with BNB. Even better, if this trader qualifies for VIP 1 or VIP 2 status, they can reduce these costs even further.
Crypto purchase fees on Binance : stablecoinpairs without fees
In an effort to gain market share or during targeted promotions, Binance sometimes offers stablecoin pairs (e.g., USDC / USDT , TUSD/ USDT , FDUSD / USDT ) with zero fees (Maker and Taker orders), or with zero fees on maker orders only. These offers are particularly attractive for arbitrage or for those managing liquidity between different stablecoin stablecoin - stablecoin pairs free of fees for a few weeks or months.
Very competitive fees compared to the competition
In the global market, Binance is still positioned as one of the platforms with the lowest fees
Therefore, someone looking to invest small amounts regularly or trade at a higher frequency will find Binance pricing model very attractive.
Answers to some frequently asked questions
Are there any hidden fees on Binance ?
According to the platform's official documentation and numerous community audits, there are no hidden fees on Binance . All costs are clearly displayed on transparent pages: trading fees, fiat deposit fees, withdrawal fees, etc. The only potential hidden fees you might encounter are slippage Binance 's Convert function . However, you can avoid this by trading directly on the order book. There are also unpredictable fluctuations related to congestion , but these are not Binance direct responsibility.
Does Binance charge inactivity fees?
No, there are no fees for an inactive account. You can leave your funds on the platform, and as long as you don't trade or withdraw your crypto, you won't pay a cent.
Are there fees for transfers between Binance users?
If you use the "Internal Transfer" function to send crypto to a friend who also has a Binanceaccount, there are no fees. You simply need to know the recipient's BUID (user ID) to complete the transaction.
Conclusion: Properly managing your crypto purchase fees on Binance can boost your returns
Mastering Binance crypto buying fees is key for any investor or trader looking to maximize profits. Between the various VIP tiers, the option to pay in BNB , zero-fee promotions on certain pairs, and choosing the right network for your withdrawals, you have numerous options to optimize your experience. On small volumes, every euro counts; on large volumes, optimizing fees can translate into thousands of euros in annual savings.
In summary, if you want to reduce your trading fees on Binance in 2025, keep the following points in mind:
- Activate commission settlement in BNB (up to 25% spot discount).
- When possible, favor limit orders (maker) to benefit from potentially lower fees.
- Check regularly for 0 fee promotions, especially on stablecoinpairs.
- Deposit euros via SEPA transfer to pay a single euro fee, rather than 2% by card.
- Consider the VIP program if you trade large volumes and maintain a significant BNBbalance.
With these strategies, you'll have all the tools you need to adapt your trading decentralized market and fully capitalize on the opportunities offered by cryptocurrencies, with minimal impact on your fees. Finally, consider comparing solutions offered by competitors if you feel Binance no longer meets your specific needs. That said, for most traders, the combination of competitive pricing, a comprehensive ecosystem (spot trading, futures, options, NFTs, etc.), and ease of use makes Binance one of the essential platforms in 2025.
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Yoann
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
