After Fixed Earn matures, where your principal and interest go depends on whether you have "Auto-Subscribe" turned on and which maturity handling option you chose.
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Fund Flows Based on Auto-Subscribe Status
This is the core setting that decides where funds go. There are two main cases:
Auto-Subscribe is ON: At maturity, the system automatically renews your principal into a Fixed Earn product of the same term and type, so it stays locked and continues earning. Any interest already earned is sent directly to your Spot Wallet and is not included in the reinvestment.
Auto-Subscribe is OFF: At maturity, the system automatically redeems the position. Funds are transferred to the preset destination, which by default is your Spot Wallet. You can also set it in advance in your Earn Wallet to transfer funds into a Flexible product.
Where to View and Change Maturity Settings
Path: Open the Binance App → [Earn] or [Savings] → find the "Fixed" or "Locked" tab → tap the product details → view or change "asset destination after maturity". You can change this setting anytime before maturity. Once the product matures, the system will follow the setting at that time.
Special Cases to Note
There are two common special situations:
Product quota is full: Even if Auto-Subscribe is ON, if the same Fixed product's total subscription quota is full at maturity, the system will not renew it. Instead, it will automatically move your funds into a Flexible product of the same currency. Flexible products usually pay lower returns than Fixed ones, but funds can be withdrawn at any time.
Early redemption: If you manually redeem before maturity, the interest already earned will be fully deducted, and only the principal is returned. Funds generally arrive in your Spot Wallet within 72 hours.
Warning: Some Binance Fixed Earn products pay rewards in a different currency. These rewards are not sent to your Spot Wallet daily. They are distributed together with the principal only after the whole Fixed Earn period ends. If you redeem early, these rewards will be lost.
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How to Verify Assets After Maturity
On the day after maturity, go to Binance [Assets] → [Spot Account] to check:
- Auto-Subscribe ON: The asset still appears in your Earn holdings, the period has been updated to the new maturity date, and interest has arrived in your Spot balance.
- Auto-Subscribe OFF: Principal + interest have appeared in your Spot account balance, and the product position is no longer shown in your Earn holdings.
If funds have not arrived more than 24 hours after maturity, or the destination does not match your setting, contact support through the Binance App Help Center.
