The percentage on a fee page is a starting point, not a price. Four discounts multiply on top of it, and three separate costs never appear under the word "fee" at all. People who carefully optimise the first group and ignore the second are often paying more than people who did neither.
The seven layers, in one table
| Layer | Effect | Shows up as a fee? |
|---|---|---|
| Maker or taker | Sets the starting rate | Yes |
| Tier level | Reduces it | Yes |
| Platform token discount | Reduces it | Yes |
| Referral rebate | Reduces it | Yes |
| Purchase premium | Increases your real cost | No |
| Funding rate | Increases it, every interval | No |
| Bid-ask spread | Increases it, every trade | No |
The articles in this section
- How Binance fees actually stack: four discounts, in order
Why the layers multiply rather than add, when the token discount is a bad idea, and the three costs that never appear as fees. - Withdrawal fees: why the same coin costs ten times more on another chain
The two pricing models, how to choose in the right order, and what is recoverable when a transfer has gone to the wrong network. - Should a beginner start on spot or on futures?
Different in kind, not degree. What funding does to a position over time, and why leverage is arithmetic before it is psychology. - Binance Convert vs spot: how to work out the spread in the quote
Convert charges no trading fee; the cost sits in the quote as a spread. Three steps to put the Convert preview next to a spot order after its fee, plus the cases where Convert wins.
Why there is no fee table on this site
Because it would be wrong, and a wrong number here is worse than no number. Rates move with tier, with promotions, with product line and with policy. A table published today becomes misinformation on a schedule nobody controls, and unlike a vague statement, a precise figure gets used for calculations.
So this section explains structure and points at the platform's own page for the current figure. Less convenient, considerably harder to make wrong. The effective fee calculator does the arithmetic once you have the numbers, and it deliberately contains no stored rates for the same reason.
The mistake almost everyone makes
Discounts multiply. A 25% reduction followed by a 20% reduction is not 45% off. It is 0.75 × 0.80, so 40%. The gap widens with every layer, and it always runs the same direction: you are paying more than the addition suggests.
The second mistake is scope. Comparing a futures trading fee against a spot trading fee and stopping there can produce a conclusion that is backwards, because the costs that do not carry the word "fee" are frequently the larger ones.
Where to start depends on what you are doing
- Trading regularly? The fee stacking article, then work out your own rate rather than remembering a number.
- Moving crypto between places? Withdrawal fees by network. The cost difference is large, and the way people lose whole transfers is picking the cheapest network before asking the recipient what they accept.
- Considering leverage? Spot or futures, particularly the funding section. Use the funding rate converter to see what holding actually costs before opening anything.
Where the money mostly goes for people buying crypto in the first place is not on this page at all — it is the premium paid on acquisition, covered in deposits and withdrawals.