Binance Trading Fees Explained: How to Save Up to 45% in 2026

Binance charges 0.1% on spot trades by default. But with the right setup, you can reduce that by up to 45%. Here is exactly how. Default Binance Fee Structure Trade Type Maker Fee Taker Fee Spot 0.10% 0.10% Futures 0.02% 0.04% Margin 0.10% 0.10% Method 1: Referral Code (20% Off) Apply referral code PRM26 during registration for a permanent 20% fee reduction on all trades. This is the maximum referral discount Binance offers. Spot fee drops from 0.10% to 0.08% Futures taker drops from 0.04% to 0.032% Applies for the lifetime of your account Verified details and registration link Method 2: BNB Fee Payment (Additional 25% Off) Enable BNB fee payment in Settings > Fee to get an additional 25% discount that stacks with the referral code. Combined Savings Setup Spot Fee Savings Default 0.10% 0% With PRM26 0.08% 20% With PRM26 + BNB ~0.055% 45% Real Dollar Savings For a trader with $10,000 monthly volume: Default: $10/month in fees With PRM26 + BNB: $5.50/month Annual savings: $54 For $100,00