Before you think about the Binance referral code BTC2026, it helps to know the fee you would pay in the first place. Binance publishes it in one table on the Spot fee rate page. Here is how to read it in under two minutes.
The Binance Spot fee rate table, column by column
Level: Regular User or a VIP level.
30D Trade Volume (USD): your trading volume over the last 30 days.
and/or + BNB Balance: some levels also need a BNB balance.
Maker / Taker: the standard rate for each side of a trade.
Maker / Taker, BNB 25% off: the rate when the fee is paid with BNB.
Which row applies to a new Binance account?
Almost every new account starts on the first row. On Nov 12, 2026 the Regular User rate was 0.100% maker and 0.100% taker, or 0.075% for both when paying with BNB. VIP levels need much higher 30-day volume, so most beginners can ignore them.
Where the referral code BTC2026 fits in
The table does not change when you sign up with a code. The Binance referral code BTC2026 sign-up link page shows up to 20% trade rebates on qualifying Spot fees, which is a share of the fee you already paid. Since April 29, 2026, Spot referral commission is calculated on net fees, so the amount can be lower.
Does the table show my personal rate?
No. It shows the public tiers. Your own rate depends on your level and whether you pay fees with BNB.
Is maker always cheaper than taker?
Not for a Regular User on this table: both were 0.100% on the day I checked. The gap only appears at some VIP levels.
Check the table, then sign up
Read the first row, note your rate, then open the BTC2026 sign-up page to register with the code shown.
Disclosure: BTC2026 is my referral code, and I may earn commission from qualifying activity. This is an independent guide, not an official Binance post. Benefits depend on Binance's terms, your region and your eligibility. Crypto trading carries risk. Not financial advice. DYOR.