How to Pay Fees with BNB: Save 25% Instantly
Using BNB to pay trading fees is one of Binance's most well-known money-saving features, and it is one of the first settings every Binance user should enable after registering. With just a few simple steps, every spot trade you make will automatically have its fee reduced by 25%. This guide covers how to enable the feature, BNB holding strategy, and the real savings you can expect.
What Is the BNB Fee Discount?
Simply put, once you enable this feature, Binance automatically uses BNB from your account to pay spot trading fees, while applying a 25% discount on the fee rate.
Fee Rate Comparison: Before and After Enabling
| Level | Without BNB Discount | With BNB Discount |
|---|---|---|
| VIP 0 Maker | 0.1000% | 0.0750% |
| VIP 0 Taker | 0.1000% | 0.0750% |
| VIP 1 Maker | 0.0900% | 0.0675% |
| VIP 1 Taker | 0.1000% | 0.0750% |
| VIP 2 Maker | 0.0800% | 0.0600% |
| VIP 2 Taker | 0.1000% | 0.0750% |
Regardless of your VIP level, enabling the BNB discount gives you an additional 25% reduction on top of your existing fee rate.
How to Enable the BNB Fee Discount
On the App
- Open the Binance app and tap "More" at the bottom-right corner
- Go to "Profile"
- Find "Fee Rate" or "Fee Discount"
- Toggle on "Pay Trading Fees with BNB"
- Confirm the action to activate
On the Website
- Log in to the Binance website
- Hover over the profile icon in the top-right corner
- Select "Dashboard" or "Fee Rate"
- Find the "Use BNB for Fee Discount" option
- Click the toggle to enable it
Note: After enabling, make sure your spot wallet holds enough BNB to cover fees. If your BNB balance is insufficient, the system will automatically switch to deducting from the traded coin, and the discount will not apply.
Recommended BNB Holdings
How much BNB should you hold? It depends on your trading frequency and volume. Here are BNB holding recommendations for different trading volume tiers:
Recommended Holdings by Monthly Trading Volume
| Monthly Volume (USDT) | Monthly Fees (after BNB discount) | Recommended BNB | ~USDT Value |
|---|---|---|---|
| 10,000 | 7.5 USDT worth of BNB | 0.012 BNB | ~10 USDT |
| 50,000 | 37.5 USDT worth of BNB | 0.06 BNB | ~50 USDT |
| 200,000 | 150 USDT worth of BNB | 0.25 BNB | ~200 USDT |
| 500,000 | 375 USDT worth of BNB | 0.6 BNB | ~500 USDT |
| 1,000,000 | 750 USDT worth of BNB | 1.2 BNB | ~1,000 USDT |
Recommended strategy: Hold BNB equivalent to approximately 1–2 months of your fee spending. This ensures you continuously enjoy the discount without overexposing your capital to BNB price movements.
Real Savings Examples
Let us use three realistic scenarios to calculate the savings from the BNB discount.
Scenario 1: Small DCA Investor
- Monthly volume: 20,000 USDT (weekly DCA of 5,000 USDT)
- Without BNB discount: 20,000 × 0.1% × 2 = 40 USDT/month
- With BNB discount: 20,000 × 0.075% × 2 = 30 USDT/month
- Save 10 USDT/month, 120 USDT/year
Scenario 2: Moderately Active Trader
- Monthly volume: 150,000 USDT
- Without BNB discount: 150,000 × 0.1% × 2 = 300 USDT/month
- With BNB discount: 150,000 × 0.075% × 2 = 225 USDT/month
- Save 75 USDT/month, 900 USDT/year
Scenario 3: High-Frequency Trader
- Monthly volume: 800,000 USDT
- Without BNB discount: 800,000 × 0.1% × 2 = 1,600 USDT/month
- With BNB discount: 800,000 × 0.075% × 2 = 1,200 USDT/month
- Save 400 USDT/month, 4,800 USDT/year
Scope of the BNB Discount
Not all trade types support the BNB discount. Understanding what is and is not covered is important:
Trades That Support the BNB Discount
- Spot trading (all trading pairs)
- Margin trading fee component
Trades That Do Not Support the BNB Discount
- USDT-margined futures trading (fees settled in USDT)
- Coin-margined futures trading (fees settled in the coin)
- Withdrawal fees (paid in the withdrawn coin)
- P2P trading (no platform fee to begin with)
Note for futures traders: Although futures trading does not support the BNB discount, holding BNB can still help you reach higher VIP levels, which indirectly reduces your futures fee rate. Binance's VIP level calculation takes BNB holdings into account.
Additional Benefits of Holding BNB
Holding BNB offers more than just fee discounts:
1. Launchpool Mining
Use BNB to participate in new token mining events, which typically offer short-term annualized returns of 5%–20%. Recent BNB pool rewards from multiple Launchpool projects have been quite attractive.
2. VIP Level Advancement
BNB holdings are one of the key metrics for VIP level qualification:
| BNB Holdings | Achievable VIP Level (holdings dimension only) |
|---|---|
| >= 25 BNB | VIP 1 |
| >= 100 BNB | VIP 2 |
| >= 250 BNB | VIP 3 |
| >= 500 BNB | VIP 4 |
3. Simple Earn
Deposit idle BNB into Simple Earn (flexible) to earn additional interest without affecting your fee discount eligibility.
4. Megadrop and Airdrops
BNB holders frequently have opportunities to receive airdrop tokens from new projects and Megadrop rewards.
Frequently Asked Questions
Q: Does a drop in BNB price affect the discount?
A: The BNB discount is calculated at the real-time BNB price, so the 25% discount rate remains constant regardless of whether BNB goes up or down. However, a drop in BNB price does affect the value of your BNB holdings. It is recommended not to hold excessive BNB solely for fee discounts — keep it within a reasonable range.
Q: Can BNB in my Earn products be used for fee discounts?
A: No. BNB used for fee discounts must be in your spot wallet. However, some of Binance's Simple Earn flexible products support instant redemption, so you can manage your BNB flexibly.
Q: Can I turn off BNB fee discount at any time?
A: Yes, you can toggle it on and off in settings at any time. But there is no reason to turn it off — as long as you hold BNB, you should always keep it enabled.
Q: Can the BNB discount and rebates be used together?
A: Yes, they can be combined. The system first calculates the fee at the BNB-discounted rate, and then applies the rebate on top of the actual fee paid. This is a double saving.
Practical Recommendations
- New user first step: Right after registering, buy a small amount of BNB (20–50 USDT worth) and enable the BNB discount
- Top up regularly: Check your BNB balance each month to ensure it is sufficient to cover next month's fees
- Buy the dip: Top up your BNB reserve when its price pulls back
- Earn with idle BNB: Put excess BNB into Flexible Earn for additional interest
- Combine with rebates: Register through a rebate link + enable BNB discount for dual savings
Summary
The BNB fee discount is one of the most practical money-saving tools Binance offers its users. For anyone trading on Binance, this feature has virtually no downside — simply hold a small amount of BNB and immediately enjoy a 25% fee discount. For a user with a monthly trading volume of 150,000 USDT, this single feature saves 900 USDT per year. Combined with rebate registration, the savings are even more significant. If you have not already enabled this feature, go to settings and turn it on now.
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