What Is BNB?
BNB (Binance Coin) is Binance's native token. Beyond being tradable like any other crypto, its most practical everyday use is paying your trading fees at a discount. It's the platform's primary fee-reduction tool, which is why active traders keep a small balance on hand.
How Much You Save
When you choose to pay fees with BNB, you get:
Spot & Margin
25% off
Standard 0.10% becomes 0.075% for both makers and takers.
Futures
10% off
Applies on top of the lower futures base rates.
The 25% rate has held steady since 2023, though Binance reserves the right to change it with advance notice.
Pro Tip
VIP users receive the BNB discount on top of their VIP tier discount — the two stack.
How the Discount Works
The mechanism is simple, but there are a few rules worth knowing:
- You must hold BNB in your Spot Wallet (your available balance — staked BNB doesn't count).
- When the feature is on, Binance automatically deducts fees in BNB at the real-time conversion rate.
- If you don't have enough BNB to cover a fee, Binance charges the full standard fee for that trade instead.
So the discount only applies as long as you keep a sufficient BNB balance available.
How to Enable BNB Fee Payment
The setting is called "Using BNB Deduction" (sometimes shown as "BNB Discount" or "Pay with BNB").
On the website
- Open a Spot trading page, click Fee Level, and toggle BNB on — or
- Go to the Fees & Transactions Overview page and toggle on the BNB Discount switch.
On the app
- Tap the Profile icon → Fees, and turn on the BNB toggle — or
- Go to Trade → Spot, tap the [ ··· ] menu, open Fee, and enable it.
Once it's green/on, your eligible fees are paid in BNB at the discounted rate.
Stack Your Discounts for the Lowest Fees
The BNB discount isn't the only lever — and the best part is that they stack. Three layers compound together:
- 01
BNB fee payment
25% off spot and margin (10% off futures).
- 02
VIP tier discounts
As your 30-day trading volume and BNB holdings grow, your base rate drops, and the BNB discount applies on top.
- 03
A sign-up fee discount (kickback)
Applied at registration, this credits back a percentage of the fees you actually pay.
Important
The sign-up fee discount can only be set up when you create your account — it can't be added later. If you're not yet registered, see our Sign-Up Guide, and confirm your kickback rate is shown on the registration page before you continue. We don't ask you to take a number on faith — verify it yourself.
How Much BNB Should You Keep?
Just enough to cover your fees, plus a small buffer:
- Estimate your monthly fee spend and keep a little more BNB than that in your Spot Wallet.
- Buy slightly more than needed to absorb BNB price fluctuations, so you never accidentally drop below the threshold and pay full fees.
- Top up periodically rather than letting the balance run to zero.
A Quick Example
Say you trade $10,000 in spot volume in a month at the standard 0.10% rate:
Without BNB
$10.00
in fees
With 25% BNB Discount
$7.50
You save $2.50
Scale that to $100,000 in monthly volume and the same 25% turns $100 into $75 — $25 saved every month, before VIP or kickback discounts are even applied.
Things to Watch
Price volatility
BNB's price moves, so the value of the BNB you hold can rise or fall. For sporadic traders, the savings may not justify holding the token.
The 25% rate can change
It has been stable since 2023, but Binance can adjust it with notice — check the official fee page periodically.
Staked BNB is excluded
Only available Spot Wallet BNB pays fees.
FAQ
Do I have to hold a minimum amount of BNB?
No fixed minimum — you just need enough available BNB to cover each trade's fee. If you run out, full fees apply.
Does the BNB discount work on futures?
Yes, at 10% (versus 25% on spot and margin).
Can I combine BNB with a referral fee discount?
Yes. The BNB discount, VIP discounts, and a sign-up kickback all stack.
Will enabling BNB deduction change my trade execution?
No — it only changes how (and in what asset) your fee is charged, applying the discount in the process.
Next Steps
Ready to put this into practice? Head back to the Trading Fees & Discounts page to see the full fee breakdown and use the savings calculator. If you haven't joined yet, start with the Sign-Up Guide, and once you're set up, the Deposit & Withdraw Guide covers funding your account.