Enabling BNB fee deduction is straightforward, but most people overlook one critical point: this feature can take effect in three scenarios—spot trading, futures contracts, and even on-chain gas fees—and each scenario requires BNB balance in a specific location.
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Step 1: Find and Turn On the Switch
In your Binance account, locate the "Use BNB to pay for fees" toggle.
Open the Binance App, tap the profile icon in the corresponding position, go to the fee rate or fee discount page, and turn on the [Use BNB to pay trading fees] switch.
App path: Profile → Fee Rate → Enable "Use BNB to pay fees". On the web version, find the [Fee Rate] or [Fee Discount] entry in the profile dropdown menu to operate.
Completion standard: The page shows the function as "Enabled".
Step 2: Place BNB in the Right Account According to Scenario—Spot, Futures, On-chain Gas Locations Differ
Ensure BNB is stored in the wallet corresponding to the scenario you want to deduct fees from.
For deducting spot trading fees, BNB must be in the Spot Wallet.
For deducting USDⓈ-M futures trading fees, BNB must be in the USDⓈ-M Futures Wallet. According to Binance Futures official rules, BNB balance in the USDⓈ-M Futures Wallet can still be used for fee discounts.
To use BNB to pay on-chain gas fees (e.g., withdrawals or transfers), you need to hold at least 0.01 BNB in your Spot or Funding account, and select "Binance Spot and Funding Account" as the gas payment source when signing.
Completion standard: Confirm that BNB is in the designated account for the corresponding scenario, not in an unrelated account.
Step 3: What Happens If Balance Is Insufficient—Not "No Charge," But "Charge at Full Price"
When the BNB balance in the corresponding account is insufficient to cover the current fee, the system will not reject your transaction. It will automatically fall back and deduct the fee from your trading pair assets at the original rate (no discount).
If BNB is completely zero and the deduction switch is on, your spot orders may fail, usually because the USDT balance is just enough for the order but not enough for the fee. If you place an order using all your USDT, and insufficient BNB causes the fee to be charged in USDT, the system will show "insufficient balance".
High-risk warning: Don't assume that if BNB isn't enough, no fee is charged. The system simply doesn't give you the discount; every cent of the fee will be deducted. A more common situation is that the switch is on, you think you're enjoying a discount, but BNB has long been used up, and you've been paying full fees without realizing it. Most users find it hard to detect this in time.
Verification After Setup
After completing a small trade, check the "Fee" column in "Order History". If it shows BNB was deducted, the discount is working; if it shows USDT or another trading pair asset, it means BNB balance was insufficient or the deduction is not active.
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New user benefit: Enjoy 20% off trading fees upon registration!
Follow-up Optimization Suggestions
If you trade frequently, it's recommended to keep a small amount of BNB as a fee reserve in the corresponding account. Not much is needed—reserve BNB worth 5-10 U in the spot account, and the same amount in the USDⓈ-M futures account. In high-frequency trading scenarios, this can save a lot on fees. Confirm the deduction status by checking the fee currency column in order history.
