Binance sub-account fee tier for API orders: volume pools to the master, and spot taker stays 0.1% until VIP 3

What the FAQ settles for sub-account traders

The FAQ answers the fee question in one line: tier and discounts come from aggregate volume across the master and every sub-account. Splitting a strategy across accounts therefore keeps its volume inside one tier calculation. Splitting does not reset anything to a fresh Regular account, and adding a sub-account does not add a second tier.

Other rules from the same page shape how an API desk sets this up:

• Regular users get five sub-accounts. Above that, the limit depends on Ordinary VIP level and account type. Personal accounts reach 10 at VIP 2, 20 at VIP 4 and 30 at VIP 7. Entity accounts reach 30 at VIP 2 and 200 at VIP 9.
• Each sub-account can create up to 30 API keys.
• A sub-account made with a virtual email can only be operated by the master through the API, and that email cannot log in.
• Transfers between master and sub-accounts are instant and carry no fee.
• Only the master account manages asset transfers. A sub-account cannot withdraw on its own, and transfers to third-party accounts are not supported.
• Closing a sub-account cannot be undone, and its historical order information cannot be recovered. It must hold no assets, API keys or open orders first.

The page shows no last-updated date in the data we read, so treat these as Binance's published rules rather than a dated change notice.

Spot rates by VIP level

These are the standard spot rows from Binance's public tier data, with the cost of $10,000 of filled volume worked out by us. The Regular row matches the 0.1% and 0.1% in the partner data behind our Binance profile.

The arithmetic for one cell: $10,000 × 0.060% = $6.00. The data labels the volume floors without a currency or measuring period, so we show them as published. Binance's FAQ example, a spot volume of 5 million qualifying for VIP 2, lines up with the 5,000,000 floor. The same data also carries BNB floors, but they disagree with that FAQ example, so we left them out.

Why a taker-heavy API strategy feels nothing until VIP 3

Tiers help makers first. A strategy that rests orders drops from $10.00 to $8.00 per $10,000 by VIP 2. A strategy that crosses the spread still pays $10.00 at VIP 2, and only sees a change at VIP 3.

Run that across a month. On $5,000,000 of filled taker volume, Regular, VIP 1 and VIP 2 all cost $5,000. VIP 3 costs $3,000, a saving of $2,000. The same volume filled as maker costs $5,000 at Regular, $4,000 at VIP 2 and $2,000 at VIP 3. If your fills split between the two, compute each side separately before deciding whether a tier is worth chasing.

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The BNB requirement belongs in that calculation. Binance says your Ordinary VIP level is the highest status you reach across its Trader, Holder, Borrower and Investor programs, with both program performance and BNB holdings counted. Its worked example shows the limit: 5 million of spot volume with 100 BNB qualifies for VIP 2, and 3 million of Earn subscriptions with the same holding still lands at VIP 2.

So in Binance's own example, 100 BNB counts only toward VIP 2, and VIP 3 needs more than that. At the 695.60 BNBUSDT price in our market feed at 14:40 SGT, 100 BNB is $69,560. That balance carries BNB's own price risk, so set it against the $2,000 in the example above rather than treating the discount as free. Read the exact holding requirement on your account's VIP page.

Futures follow the spot tier with a higher volume bar

Binance's futures fee FAQ says all spot VIPs are also VIPs in the futures market. It adds that the futures volume requirement for each tier is five times the spot requirement. Using the spot row above, that makes VIP 3 on the futures volume route 100,000,000 rather than 20,000,000, by our multiplication.

The FAQ's USDⓈ-M example uses 0.02% maker and 0.05% taker for a Regular User, the same pair as our registry. On $10,000 that is $2 maker and $5 taker. Paying in BNB takes 10% off standard USDⓈ-M fees, so the $5 becomes $4.50, provided the BNB sits in the USDⓈ-M Futures account. If the balance there runs short, the system deducts USDT and the discount is lost.

We could not open Binance's futures tier table this run, so this article gives no futures rate above Regular.

API order limits apply per sub-account

The FAQ says each sub-account has the same API order limit as the master:

We checked these against Binance's live exchange-info data on November 7 SGT and all four numbers matched. The spot figures also appear in Binance's API FAQ, which adds what happens when you break them. Order limits are applied by account, and an account over its limit also cannot create new orders on the website or other applications.

The same page describes a separate machine-learning limit that can restrict an account for 5 minutes to 3 days. A low ratio of trades to orders and cancellations raises the score, as does repeated one-upping of the best bid or ask. Pairs with BNB as base or quote asset amplify it. If your API strategy cancels far more than it fills, read that section before scaling it across sub-accounts.

Check the actual rate before the next order

The published table is a starting point. Three checks tell you what an account actually pays.

1. On spot, sign a request to GET /api/v3/account/commission with the sub-account's key. Binance's spot API documentation lists it at a weight of 20 and returns four blocks: standard, special and tax commission rates, plus a BNB discount block. A special or tax value is a reason your cost can differ from the table above.
2. Check which account holds the tier inputs. The BNB balance and pooled volume decide the level, so look at the master's status as well as the sub-account you are trading from. Binance also says manual adjustments, vouchers and designated account bindings are ignored when it counts the sub-account limit.
3. After the first fills, compare the estimate with the charge. The Order Management tab lets the master filter and export spot, margin and futures order and trade history by sub-account, and the Transaction Statistics tab shows each sub-account's volume for yesterday and the last 30 days.

Keep the decimal straight in your code. A rate returned as 0.00060000 is 0.060%, and using 0.06 as the multiplier would make your estimate 100 times too large.

Getting part of the fee back

Fee tiers take volume and BNB to reach, so a smaller desk should price a rebate first. Binance's FAQ also says sub-account volume counts into the master and that the referral treatment of sub-account trades follows the master account, so the code on the master account is the one that counts.

If you are comparing venues first, Bitget with code nexu888 returns 60% of trading fees, settled daily. A $10,000 futures taker trade at 0.06% costs $6, and 60% of that is $3.60 back. Our Bitget sub-account check covers the same question on that venue.

On Binance, code 11350287 returns 25% of trading fees, settled hourly. A $10,000 spot trade at 0.1% costs $10, and 25% of that is $2.50 back. Across the $5,000,000 month above, $5,000 in Regular fees would return $1,250. Rebate shares and codes are read from our partner registry this run.

What we could not confirm

Binance's fee page answers scripts with an empty challenge, so we read the spot rows from the public data behind it rather than from the rendered page. Your region, product and account can change what you see, which is why the commission query above matters more than our table. Only the Regular row has a second source, our partner data, so confirm any higher row on your own account. We also could not confirm whether the 25% share changes at higher VIP levels, or the period and currency behind the volume floors.

Quick answers

Does each Binance sub-account get its own VIP level?

The FAQ says the tier comes from the aggregate volume of the master and all sub-accounts. Volume in one sub-account helps the whole group's tier.

Do API orders pay a different rate from website orders?

The public tier data we read has one row per level and no API column. Confirm your own rate with the commission query.

Can I get more order capacity by adding sub-accounts?

The FAQ gives each sub-account the same limits as the master, and the API FAQ applies order limits by account. It does not describe sub-accounts as a way to raise limits, and the machine-learning restrictions still apply to each account's behaviour.

Does moving money to a sub-account cost anything?

Transfers between master and sub-accounts are instant and free under the FAQ. Trading fees on the orders placed after the transfer are charged separately, by the rate your tier sets.