OKX Account Levels Explained: Regular Users vs VIP

OKX

10 July 2026

OKX account levels fall into two parallel systems: identity verification levels (Lv 1–3) determine your trading and withdrawal limits, while VIP levels (Platinum / Gold / Diamond) determine your fee rates and exclusive privileges. The two systems are independent of each other. Most regular users only need to complete Lv 2 verification to meet day-to-day trading needs. VIP status is designed for high-frequency or large-volume traders and requires you to meet asset or trading volume criteria and apply proactively.

OKX Exchange
A leading global cryptocurrency platform,suitable for both beginners and experienced traders.
New user benefit: 20% off trading fees upon registration!！

1. Identify which level system your account is currently in

Log in to the OKX app or website, go to the "Profile" page, and tap the tier label below your avatar. You will see two numbers or names:

Lv 1 / Lv 2 / Lv 3: This is your identity verification level, based on the KYC documents you submitted.
VIP badge or no VIP: This is your fee and benefits level, based on your asset size or trading volume.

At this point, you will know exactly where you currently stand.

Prerequisite: You already have an OKX account and are logged in.

2. Complete identity verification (Lv 1 → Lv 2)

This is the first step that the vast majority of regular users need to take.

What you do: Submit your identity information to unlock withdrawal limits and fiat trading permissions.

How to do it:

App: Go to "Profile" → "Identity Verification" and follow the prompts.
Web: Go to your personal center → "Identity Verification".

Scenario A: Individual user Complete the following steps:

Lv 1: Enter your full name and ID number. The system verifies them automatically, usually instantly.
Lv 2: Upload photos of the front and back of your ID, then complete facial recognition or a liveness check as prompted.

Scenario B: Institutional user After completing Lv 2, you can proceed to submit Lv 3 professional verification, which requires additional documents such as proof of address and a business license.

How you know it's done:

After completing Lv 1: daily withdrawal limit is 2 BTC.
After completing Lv 2: daily withdrawal limit increases to 100 BTC, and fiat trading (OTC) functionality is unlocked.

For the vast majority of users' daily trading, buying, and selling needs, Lv 2 verification is more than sufficient.

Common reasons for failure:

The uploaded ID photo is blurry, has glare, or is partially covered.
Insufficient lighting during facial recognition, or not following the prompts to complete the required actions (e.g., blinking, turning head).
Mismatch between name and ID number (includes rare characters or input method switching errors).

Risk reminder:

Once verification information is submitted, it cannot be modified at will. Please ensure accuracy.
The verification process involves sensitive personal information. Always use the official app or website and avoid clicking on third-party links.

3. Check and improve your trading fee level (Regular User Lv 1–5)

Based on your 30-day trading volume and OKB holdings, OKX divides regular users' trading fees into five levels, Lv 1 through Lv 5. The higher your level, the lower your taker fee rate.

What you do: Check your current fee level and decide whether it makes sense to upgrade based on your trading habits.

How to do it:

Go to "Trade Settings" → "Fee Level" to see the maker and taker fee rates for your current level.
The system automatically assesses your level based on your 30-day trading volume (USD) and OKB holdings. No manual application is required.

How you know it's done: You are aware of your current fee rate. If you are not satisfied with the rate, you can increase your trading volume or hold more OKB to move up a level (the system updates on the next day).

Taking first-tier perpetual contract coins as an example: Lv 1 taker fee is 0.050%, and Lv 5 taker fee drops to 0.030%. Fee rules may be adjusted; please always refer to the latest rates displayed on the official page.

Common reasons for failure:

Mistakenly thinking that simply holding OKB upgrades your level instantly. In reality, the level updates on a T+1 basis.
Not distinguishing between "first-tier" and "second-tier" coin fees; different coins have different fee rates.

4. Apply for VIP status (Platinum / Gold / Diamond)

VIP levels are designed for users with large assets or high-frequency trading. You must apply proactively; the system will not upgrade you automatically.

What you do: Once you meet the asset or trading volume threshold, submit a VIP application.

How to do it:

Go to the "VIP Center" to check whether you currently meet the eligibility criteria.
The VIP system consists of three tiers: Platinum, Gold, and Diamond. The baseline entry requirement is total assets exceeding 20 BTC (or the equivalent in other assets).
The system will verify your 30-day average daily assets and fee contribution value. Once the criteria are met, submit the application for review.

How you know it's done: After submitting, the level change is usually completed within 2 hours. You can check the result in the "VIP Center".

If approved, you will enjoy lower fee rates (e.g., taker fee can drop to 0.03% or even lower), exclusive loan channels, dedicated OTC counterparty matching, and a withdrawal whitelist (daily limit can increase to 2,000 BTC), among other benefits.

Prerequisites:

Your account must have at least Lv 2 identity verification.
Your 30-day average daily total assets must reach 20 BTC or above, or your trading volume must reach the amount required by the corresponding VIP level.

Common reasons for failure:

Asset calculation scope: Only total account assets count; borrowed or leveraged funds are excluded.
Your 30-day average daily assets met the threshold, but you withdrew assets before applying. The system checks the real-time asset snapshot at the time of application.

Risk reminder:

VIP applications involve asset verification. Please ensure your assets come from legal and compliant sources.
Some VIP benefits (such as exclusive loan rates) require signing additional agreements. Please read the terms carefully.

OKX Exchange
A leading global cryptocurrency platform,suitable for both beginners and experienced traders.
New user benefit: 20% off trading fees upon registration!！

5. Confirm your account level has taken effect and verify your benefits

Whether you completed identity verification or applied for VIP status, the final step is to confirm that the change is effective and to check what actual benefits you have gained.

What you do: Confirm the level change was successful and verify key updates such as fee rates, withdrawal limits, and loan permissions.

How to do it:

Return to the "Profile" page and see if your level badge has been updated.
Go to "Trade Settings" → "Fee Level" to check the latest fee rates.
If you applied for VIP, go to the "VIP Center" to view the list of activated benefits (such as exclusive OTC channels, experience cards, etc.).

How you know it's done: The level badge has been updated, and the corresponding benefits are visible and usable on the trading page.

Next step: Log in to OKX and spend 3 minutes checking your "Identity Verification" and "VIP Center". If you only completed Lv 1 verification, you can finish Lv 2 today to unlock OTC trading and higher withdrawal limits. If your 30-day average assets are close to 20 BTC, you may consider applying for VIP to enjoy lower fees.