Tool · look up your row
Fee impact table
Not a calculator. A table, because the useful thing is seeing the whole shape at once — particularly how brutal a flat charge is at the small end and how it stops mattering by the time you reach the bottom rows.
The five cost structures in the columns
These are illustrative shapes, not quoted rates. No platform's fees are printed on this page, because published rates differ by country, method, and account tier and change without notice. Take your own two numbers from the deposit and confirmation screens, then read the column closest to them.
| A | 0.1% of the amount, no flat charge | Free deposit route, trading screen, resting order |
| B | 0.5% of the amount, no flat charge | Free deposit route, simplified widget markup |
| C | 1% of the amount + $1 flat | A funding route with a small fixed charge |
| D | 2% of the amount + $1 flat | A costlier funding route |
| E | 3.5% of the amount + $2 flat | Markup plus a minimum charge |
What the cost takes, as a share of what you put in
Top figure is the percentage. Grey figure underneath is the same thing in money. Shaded cells are simply above 3% and above 8%, to make the shape visible.
| You put in | A · 0.1% | B · 0.5% | C · 1% + $1 | D · 2% + $1 | E · 3.5% + $2 |
|---|---|---|---|---|---|
| $20 | 0.10% $0.02 | 0.50% $0.10 | 6.00% $1.20 | 7.00% $1.40 | 13.5% $2.70 |
| $50 | 0.10% $0.05 | 0.50% $0.25 | 3.00% $1.50 | 4.00% $2.00 | 7.50% $3.75 |
| $100 | 0.10% $0.10 | 0.50% $0.50 | 2.00% $2.00 | 3.00% $3.00 | 5.50% $5.50 |
| $200 | 0.10% $0.20 | 0.50% $1.00 | 1.50% $3.00 | 2.50% $5.00 | 4.50% $9.00 |
| $350 | 0.10% $0.35 | 0.50% $1.75 | 1.29% $4.50 | 2.29% $8.00 | 4.07% $14.25 |
| $500 | 0.10% $0.50 | 0.50% $2.50 | 1.20% $6.00 | 2.20% $11.00 | 3.90% $19.50 |
| $1000 | 0.10% $1.00 | 0.50% $5.00 | 1.10% $11.00 | 2.10% $21.00 | 3.70% $37.00 |
| $2500 | 0.10% $2.50 | 0.50% $12.50 | 1.04% $26.00 | 2.04% $51.00 | 3.58% $89.50 |
How far the price has to rise before you break even
The same costs, expressed as the gain needed to get back to the amount you started with. This is the number people find most persuasive, and it is the one nobody shows you.
| You put in | A | B | C | D | E |
|---|---|---|---|---|---|
| $20 | +0.10% | +0.50% | +6.38% | +7.53% | +15.6% |
| $50 | +0.10% | +0.50% | +3.09% | +4.17% | +8.11% |
| $100 | +0.10% | +0.50% | +2.04% | +3.09% | +5.82% |
| $200 | +0.10% | +0.50% | +1.52% | +2.56% | +4.71% |
| $350 | +0.10% | +0.50% | +1.30% | +2.34% | +4.24% |
| $500 | +0.10% | +0.50% | +1.21% | +2.25% | +4.06% |
| $1000 | +0.10% | +0.50% | +1.11% | +2.15% | +3.84% |
| $2500 | +0.10% | +0.50% | +1.05% | +2.08% | +3.71% |
One platform's published rates, read on 2026-08-26
Everything above is illustrative arithmetic that works on any platform. This one table is different: these are rates quoted from Binance's own published fee pages, read directly from the source on 2026-08-26. It is here because the size of the gap is the entire argument of this page, and one real example makes it concrete.
| Route | Published fee | What it means |
|---|---|---|
| Trading screen (spot), regular user | 0.100% | The cheapest ordinary route, taker side. |
| Same, with the exchange-token fee discount | 0.075% | Requires holding their token and opting in. |
| Trading screen, fiat pair, taker | 0.150% | Buying with money rather than another coin costs a little more. |
| P2P zone, taking an existing advert | 0% | What a first-time buyer normally does. One stablecoin is the exception, at a small flat charge. |
| P2P zone, posting your own advert | 0.1% | You are the maker here, and makers pay. |
| P2P “Express” quick-buy | 0.2% | The simplified front end to the same market — and it charges where the full one does not. |
| Bank transfer (SEPA), quick-buy | 1 EUR | A flat charge: trivial on a large amount, brutal on a small one. |
| Revolut, quick-buy | 1.1% | Cheaper than a card, dearer than the trading screen. |
| PayPal, quick-buy | 1.5% | Cheaper than a card, dearer than the trading screen. |
| Card (Visa/Mastercard), quick-buy | 2% | Twenty times the trading-screen rate. |
| Apple Pay / Google Pay, quick-buy | 2% | The same as a card, because they settle through one. |
The gap is about 20×. The convenient card button and the trading screen buy you the identical asset on the identical platform. One is charged at 2%, the other at 0.100%. Nothing about the coin differs; only the screen you reached it through.
The P2P rows are worth a second look, because they repeat the same pattern one level down. The full peer-to-peer order book charges the buyer nothing. Its simplified “Express” front end — same market, fewer decisions — charges 0.2%. Convenience is priced separately from the thing you are buying, consistently, at every layer.
These were true on the published pages on 2026-08-26 and are certain to drift. They also vary by country, by payment provider and by account tier, and the peer-to-peer rows are for the KZT zone specifically — of the 133 currencies offered there, the figures differ. Check the current numbers at the published fee schedule before acting on them. The relationship between the rows outlasts the rows themselves; the exact digits do not.
It is not advice about how much to buy, and the shaded cells are not a verdict. A small purchase at an ugly percentage can be an entirely sensible way to learn how the process works — as long as you saw the percentage first. What it should not be is a habit repeated weekly at the same ratio.
Where these numbers come from, and how to find your own row
Where the numbers come from
The five-column tables are arithmetic, done when this page was built, from the cost structures listed at the top. There is no live data on this page and no API call: each cell is (amount × percentage) + flat charge, divided by the amount, and you can check any of them on paper, which is the point. The one exception is the dated snapshot lower down, which quotes one platform's published rates as read on 2026-08-26 and says so in place.
How to find your own row
- Read the deposit fee on the deposit screen after choosing your funding method.
- Read the trading fee on the order confirmation before you press buy.
- Add them into a rough “percentage plus flat” shape, and pick the column nearest to it.
- Read across from the amount you intend to spend.
If your real numbers sit between two columns, so does your answer. Precision is not the point here; the shape is.
Why the flat charge matters so much at the top of the table
Because a fixed amount divided by a small number is a large percentage. That is the whole mechanism, and it is why “you can start with $20” is technically true and practically misleading. Look down column E: the same charge that is a rounding error on the bottom row is more than a tenth of the top one. Nothing about the fee changed — only what it was a percentage of.
Why the break-even table is included
A cost expressed as a percentage of what you put in is easy to dismiss. The same cost expressed as “the price now has to rise by this much before you are level” is harder to wave away, and it is the more honest framing, because that is genuinely the position you are in the moment the order fills.
What is deliberately missing
The spread. It is not in these columns because it is not a stated fee — it is folded into the price you are quoted, and it is frequently the largest single cost for someone using a simplified buy widget. Add a rough allowance for it if you are using one, or see it directly by comparing the widget's rate against the trading screen. The fee breakdown explains how.
The network fee is also absent, because it only applies if you move coins off the platform. It behaves like the flat charge in column E, only more so — entirely fixed, regardless of the amount.
Related
- What fees am I actually paying? — the four separate costs, and which two are invisible.
- Payment method comparison — which funding route carries which shape of charge.
- Minimum amounts — the four different floors, including the withdrawal one.
- What a referral code actually does — which of these columns it moves, and by how little.