Does Binance Fixed-Term Savings Auto-Renew Upon Expiry?
Conclusion: It depends on whether you enabled the "Auto-Subscribe" feature when subscribing or afterwards. If enabled, the product will auto-renew for the same term upon maturity; if not, the principal and earnings will be automatically redeemed to your spot wallet. However, if the product quota is fully subscribed at the time of maturity, even with Auto-Subscribe turned on, renewal cannot be processed.
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Step 1: Check the "Auto-Subscribe" status of your current fixed-term product
What to do: Go to [Earn] → [Simple Earn] → [Fixed-Term] page, find your position, and check whether the "Auto-Subscribe" toggle next to the product is turned on.
How to do it:
If the toggle is on, the product will auto-renew upon maturity. The renewal only covers the initial subscription principal; earned interest will be credited to your spot wallet.
If the toggle is off, the product will be fully redeemed automatically at maturity, with both principal and interest returned to your spot wallet.
When you're done: You will know exactly the auto-subscription status of your current fixed-term product.
Key reminder: Even if Auto-Subscribe is enabled, if the fixed-term product quota is full (the platform's subscription cap has been reached), the system will not be able to renew successfully. In that case, the assets will be automatically transferred to the coin's Flexible Savings product upon maturity, earning interest at the flexible rate.
Step 2: Check whether the current quota of that fixed-term product is sufficient
What to do: Go to the subscription page of that fixed-term product and see if it shows "Quota Full" or "Maximum subscription limit reached".
How to do it:
Go to [Earn] → [Simple Earn] and find the detail page for that coin's fixed-term product.
If the page shows that the quota is full, we suggest you manually redeem before maturity, or prepare for the funds to be automatically moved into the flexible product after expiry.
Every fixed-term product has a specific subscription cap. Once the cap is reached, the system will not process any further subscriptions, including auto-subscription requests. The cap can be adjusted at any time.
When you're done: You have confirmed whether there is currently subscription quota available and can judge whether the renewal will succeed at maturity.
Step 3: Manage your auto-subscription setting
What to do: If you need to adjust it, you can turn Auto-Subscribe on or off at any time before maturity.
How to do it:
Turn on: On the subscription page, under the "Subscribe" tab, tick the "Auto-Subscribe" checkbox, or in the fixed-term product list, enable the toggle next to the corresponding coin.
Turn off: Before the fixed term ends, you can disable Auto-Subscribe anytime in your Earn Wallet. Once disabled, the assets will be automatically transferred to the flexible product or spot wallet at maturity.
When you're done: You have enabled or disabled Auto-Subscribe according to your needs, and the system will act on your latest setting at maturity.
Prerequisites
Before you proceed, make sure you are logged into your Binance account and that the [Earn] → [Simple Earn] menu is accessible. If the feature is not supported in your region, some options may not be displayed.
Common reasons for failure
Assuming Auto-Subscribe guarantees renewal: When the quota is full, the system cannot renew and will move funds into the flexible product, causing a change in the yield.
Forgetting to turn off Auto-Subscribe: If you don't want to lock up funds again but forget to turn it off, your money will be locked into another term. Early redemption will result in the loss of all interest earned in that period.
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New user benefit: Enjoy 20% off trading fees upon registration!
Risk Warning
Liquidity risk: Enabling Auto-Subscribe means your funds will be continuously locked. If you need to redeem early, you will lose all interest for that term and it may take up to 72 hours to arrive.
Interest rate change risk: The APR of fixed-term products is dynamic; when the product renews at maturity, the APR may differ from the previous term.
Signs you have completed the process correctly: Open [Earn] → [Simple Earn] → check your fixed-term positions, and confirm that the product's "Auto-Subscribe" toggle is in your desired state (on/off). After the product matures, check the fund flow in [Earn History] – if renewal was successful, you will see a new fixed-term subscription record; if it was redeemed at maturity, the funds will appear in your spot wallet.
