Binance.US is the US-branded service operated by BAM Trading Services. Its standard Advanced spot tariff is unusually simple: zero maker fees, 0.01% taker on BNB/USD and 0.02% taker on other pairs before qualifying volume or BNB discounts. The BitGo-powered New York and North Carolina route is a different service relationship, not merely another fee tier.[1][3]
Order book versus quoted transactions
Sections ↑Reference table01
Trading interfaces
| Item | Published treatment | Practical scope |
|---|---|---|
| Advanced spot | Customer order book | Maker/taker tariff |
| Buy / Sell / Convert | Executable quote | Spread-based pricing in preview |
| BitGo-powered accounts | Separate partner service | Do not assume standard BAM spot access or tariff |
Reference table02
Liquidity treatment
| Item | Published treatment | Practical scope |
|---|---|---|
| Resting order | Adds liquidity | Maker rate if execution qualifies |
| Immediately matching order | Removes liquidity | Taker rate |
| Limit order | May rest or execute immediately | Order label alone does not determine fee |
Spot schedule and discount calculation
Sections ↑Reference table03
Standard Advanced spot tariff
| Item | Published treatment | Practical scope |
|---|---|---|
| BNB/USD, any volume | Maker 0%; taker 0.01% | Currently the sole Tier 0 pair |
| Other pairs, below US$500 m rolling volume | Maker 0%; taker 0.02% | Ordinary rate |
| Other pairs, US$500 m+ | Maker 0%; taker 0.01% | 30-day volume threshold |
Reference table04
BNB payment discount
| Item | Published treatment | Practical scope |
|---|---|---|
| Discount | 5% off eligible spot fee | Not five percentage points |
| Discounted 0.01% rate | 0.0095% | 0.01% multiplied by 0.95 |
| Discounted 0.02% rate | 0.019% | 0.02% multiplied by 0.95 |
| Qualifying balance | Available BNB | Staked or unavailable BNB does not fund the fee |
Reference table05
Fee clock and subscription scope
| Item | Published treatment | Practical scope |
|---|---|---|
| Volume window | 30 days | Published schedule basis |
| Tier update | Daily at 20:00 Eastern Time | New volume does not necessarily update instantly |
| Membership | No trading subscription fee | No paid membership required for published rates |
Reference table06
Illustrative US$10,000 spot fee
| Item | Published treatment | Practical scope |
|---|---|---|
| BNB/USD taker | US$1 | US$0.95 with qualifying BNB payment |
| Other-pair ordinary taker | US$2 | US$1.90 with qualifying BNB payment |
| Maker | US$0 | Execution must add liquidity |
Reference table07
Quoted and reward products
| Item | Published treatment | Practical scope |
|---|---|---|
| Buy / Sell / Convert | Spread included in quote | Do not substitute Advanced maker/taker percentage |
| Standard staking | 9.95%–39.95% of earned rewards | Reflected in estimated reward rate |
| Soft-Stake | 90% of earned rewards | Different product economics |
| Deposit recovery | Request-specific processing charge | Shown before accepting the recovery service |
USD deposits and withdrawals
Sections ↑Reference table08
Published USD funding fees
| Item | Published treatment | Practical scope |
|---|---|---|
| ACH deposit / withdrawal | Free | Account and availability restrictions apply |
| Wire deposit | US$0 platform fee | Bank may charge |
| Wire withdrawal | US$25 | Bank may charge separately |
| Debit / credit card deposit | 3.99% | Issuer charges may be additional |
Reference table09
Crypto transfer fee models
| Item | Published treatment | Practical scope |
|---|---|---|
| Crypto deposit | Free platform deposit fee | Sending network may charge |
| Standard BAM withdrawal | Dynamic fee in preview | Includes more than estimated gas |
| BitGo-powered withdrawal | 0.05% of USD equivalent | No additional gas charge; asset/network minimum can apply |
Reference table10
What drives the BAM withdrawal quote
| Item | Published treatment | Practical scope |
|---|---|---|
| Network cost | Estimated gas | One input, not the entire fee |
| Account activity | Withdrawal, spot and Convert order activity | Dynamic model can vary by transaction |
| Operational cost and size | BAM expenses and withdrawal amount | Not a fixed reimbursement of blockchain gas |
BAM and BitGo asset handling
Sections ↑Reference table11
State-route custody distinction
| Item | Published treatment | Practical scope |
|---|---|---|
| Standard service | BAM contractual account | Relevant Binance.US terms govern |
| New York / North Carolina via app partner route | BitGo Bank & Trust, N.A. and affiliates | Assets custodied, cleared and settled solely by BitGo outside BAM |
| Crypto protection | No general FDIC/SIPC guarantee inferred | Cash rails do not insure token holdings |
US availability is state- and product-specific
Sections ↑The current fee page expressly describes access through BitGo for New York and North Carolina. Older blanket statements excluding those states can therefore misdescribe the app’s partner route. That does not prove that every BAM feature is available there, or that other states and products share the same eligibility.[1][3]
Identify the account route before escalating
Sections ↑Reference table12
Account-case references
| Item | Published treatment | Practical scope |
|---|---|---|
| Trade | Interface and order/quote reference | Distinguishes Advanced from Buy/Convert |
| Withdrawal | BAM or BitGo route, token and network | Determines which fee model applies |
| Funding | ACH, wire or card reference | Separates bank settlement from crypto execution |
Operator disclosures and their scope
Sections ↑BAM’s fee page states FinCEN MSB registration and NMLS 1906829. Those company disclosures describe a money-services framework, not a federal endorsement or blanket permission for securities and derivatives. BitGo’s custody/trading relationship for the named states is separately disclosed.[1]
Brand and counterparty distinction
Sections ↑Binance.US, Binance.com and Binance TH are separate service scopes. The applicable US account agreement, state route and transaction preview determine the customer relationship; a shared Binance name is not sufficient to transfer another platform’s fees, products or permissions.[3][1]
- Operator
- BAM Trading Services Inc.
- Exchange model
- Centralised
- Service scope
- Binance.US spot order-book pricing differs from quoted Buy, Sell and Convert. New York and North Carolina customers using the BitGo-powered route have a separate custody and withdrawal arrangement.
- Client types
- Retail clients; Institutional clients
- Pricing publication
- Public pricing
- Other names
- BAM Trading; Binance United States
- Headquarters
- United States (BAM operating scope)
- Covered jurisdictions
- United States
- Pricing scope
- Advanced maker 0%; taker 0.01% BNB/USD or 0.02% other pairs, falling at US$500 m volume; 5% BNB payment discount. BitGo route and quoted trades differ.
- Funding scope
- ACH, wire, eligible card and blockchain transfers are described with method-specific costs and verification holds. The withdrawal screen determines applicable network/service charges.
- Custody and asset handling
- Standard BAM account terms differ from the BitGo-powered NY/NC app route, where assets are custodied, cleared and settled solely by BitGo outside BAM.
- Client eligibility
- US eligibility varies by state and product. Current fees describe a BitGo-powered route for New York and North Carolina; do not treat it as standard BAM spot eligibility.
- Support
- Official Binance.US authenticated help; identify standard BAM versus BitGo-powered account and the relevant transaction reference.
- Authorisation and registration scope
- BAM publishes FinCEN money-services registration and state money-transmitter licensing information, with NMLS ID 1906829. FinCEN registration is not a federal endorsement or an interchangeable securities/derivatives licence.
Exchange metadata checked 26 Oct 2026Source 1Source 2Source 3
Covered contracting entities
BAM Trading Services Inc.
- Jurisdiction
- United States
- Covered services
- Binance.US digital-asset exchange services, trading and available funding methods.
- Client and location scope
- Eligible verified U.S. accounts subject to geographic restrictions.
BitGo Bank & Trust, National Association
- Jurisdiction
- United States
- Covered services
- BitGo-powered NY/NC app route with affiliated trading services and BitGo custody, clearing and settlement.
- Client and location scope
- Eligible New York/North Carolina users onboarded to the separately disclosed partner route.
Sources & further reading
- Binance.US trading, deposit and withdrawal fee schedule Binance.US · Accessed 26 Oct 2026
- Trading fee methodology and staking charges, June 2026 Binance.US Help · Accessed 26 Oct 2026
- Binance.US terms of use, updated June 5 2026 BAM Trading · Accessed 26 Oct 2026
This profile reports dated public information, including exchange-published services and terms. It does not independently test or guarantee trading, custody, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.