TABLE · 01
Binance fee and rebate calculator
Enter a USDT notional to see the indicative spot fee with or without the 25% BNB cut, plus an optional referral cashback line. Checked September 2026.
Enter a notional
The BNB cut lowers the fee taken when the trade fills. A referral rebate does not change the trade rate: the fee is charged in full, then converted to USDC hourly and credited to your spot account. The referrer picks the share when creating the link, and it can be 0, so the field starts at 0. Fill it in only after you have confirmed the share on the referral page or with the referrer; we have not found an official range.
How to use this (collapsed by default)
What this table answers
Two separate things: roughly what fee this trade is charged at the base rate, with or without the BNB cut; and, if your referrer shares a rebate with you, roughly what comes back later. It does not forecast your VIP tier. It does not read an account.
How to run it
Change the notional and the base rate, and decide whether to tick the BNB cut. The rebate share starts at 0; enter a number only once you know the share you were given. The large number is the indicative fee charged. The rebate sits on its own line below.
Why the rebate has its own line
The BNB cut reduces the fee at the moment of the trade. A referral rebate is a separate USDC credit after the trade, and the rate on the fee schedule stays the same. Binance has not published the order in which the two are calculated, so the tool does not fold the rebate into the rate and gives no combined "both on" figure. The rebate line is simply fee charged × the share you entered, as an illustration.
Where the default comes from
The 0.10% default is the regular-user spot rate, 0.075% when paying with BNB, checked against the Binance fee page in September 2026. Trust the fee page that day.
Who it is for
Anyone who wants to keep "what the trade costs now" apart from "what may come back later". If you already sit on a higher VIP schedule, read the official table; once a referred user reaches VIP 3 or above, spot rebates stop.
Can the number stand in for a bill
No. Campaigns, maker versus taker, and a thin BNB balance all make the live debit differ from the sketch. A rebate counts only when the USDC credit shows in your spot account, and users in some regions cannot join the referral program.
Related notes
Fee wording sits in Combining Binance fee discounts. Account steps sit in Open a Binance account. This tool has no sign-up button.