What you actually pay: fee comparison table
Fees are four layers multiplied, not added. This lays out every combination — and for most people it shows that dropping the habit of hitting market orders beats grinding for a tier.
Cheapest cell, per round trip
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Fill in the parameters and press the button.
| Combination | Effective rate | Fee, one side | Total incl. round trips |
|---|---|---|---|
| Press the button above to generate. | |||
How to read this, and what each layer is (expand)
What it is for
Fee discounts multiply; they do not add. "A 20% rebate plus a 25% discount equals 45% off" is wrong, and it makes people overestimate what they are saving. This does the multiplication and hands you the amount, along with how far apart the combinations actually are.
The four layers
- Base rate — the platform's list price for that product line, set by your account tier.
- Maker or taker — whether you provided liquidity or consumed it. The maker rate is usually at or below the taker rate, but not always: at entry tiers the two are frequently the same number, and the gap only opens further up. Check whether your two numbers actually differ before deciding this layer is worth working on.
- Fee-token discount — for paying fees in the platform token. Requires a toggle and a sufficient balance.
- Referral rebate — from the referral relationship bound at registration, and unavailable afterwards.
Filling in the numbers
Take the maker and taker rates from your current tier on the platform's fee page — note that there are two of them, so do not read one and put it in both boxes, and do not assume the maker one is lower. The discount and rebate percentages likewise come from whatever the platform currently displays. All of these change with policy: do not use numbers from someone's article, and do not use the ones this page loads with.
If you have no referral relationship, put 0 in that box. If the fee-token discount is switched off, put 0 in that one. What you get is then what you are actually paying today.
What "cheapest cell" means
It is the lowest of the four combinations (maker/taker × all discounts/none) — the best you can currently reach. The rows below it tell you how much moving from your present behaviour to that cell saves per round trip.
If your tier really does have a lower maker rate, you will usually find that switching from taker to maker saves more than the fee-token discount and the referral rebate combined. That is the most useful thing this table outputs. And if the two numbers you entered are identical, it will honestly tell you that this layer earns you nothing right now and the effort belongs elsewhere.
What this table does not include
- Spread and slippage. A market order on a thin pair can execute meaningfully away from the price you saw. That loss never appears on the fee line, and it is a real cost.
- Withdrawal fees. Set per asset and per chain, and no trading discount touches them — see which chain to withdraw on.
- Funding. Derivative positions only, and a separate account entirely — see the funding rate.
- The price risk of holding the fee token. The discount is not free; you have to hold the asset to use it.
Related reading
- How Binance fees are calculated — the full four-layer structure
- How VIP tiers work — why it comes last in priority
- Opening an account — the step where the rebate layer is bound