What Binance.US is
Binance.US is a custodial exchange for U.S. customers and is separate from the global Binance.com platform. It offers simple purchases, Convert, Advanced spot order books, staking, APIs, crypto transfers, and direct USD services where eligible.
The core value proposition is low-cost spot execution. Its current Advanced table lists 0% maker / 0.01% taker for Tier 0 pairs and 0% maker / 0.02% taker for Tier 1 pairs. An optional BNB fee-payment setting gives a 5% discount on eligible charges.
What the low rate covers
Those figures apply to Advanced spot pairs. They do not automatically cover One Click Buy/Sell, Convert, card or third-party funding, staking, or withdrawals. Convert can carry zero trading fees while incorporating a spread. Network withdrawals have asset-specific costs.
Compare total dollars paid with crypto received. A low percentage fee cannot offset a wide spread, poor liquidity, slippage, or an expensive transfer route. Use a limit order carefully and inspect depth on smaller pairs.
State eligibility
As of June 3, 2026, Binance.US listed 16 unsupported jurisdictions: Alaska, American Samoa, Connecticut, Georgia, Guam, Maine, Northern Mariana Islands, New York, North Carolina, North Dakota, Ohio, Oregon, Texas, U.S. Virgin Islands, Vermont, and Washington.
Kansas and Wisconsin were listed as crypto-only. Customers there should not assume that direct USD funding works. Eligibility can change, so the current support article takes precedence over a ranking or old account experience.
USD funding and withdrawal holds
Binance.US restored direct USD services for eligible customers in 2025. It says its ACH deposits and withdrawals carry no Binance.US fee, although banks can charge and limits apply.
ACH deposits can create a seven-day or 168-hour withdrawal hold, including on crypto bought with those funds. A customer planning immediate self-custody should wait for settlement or use an eligible alternative after comparing its cost.
Assets, pairs, and networks
The platform advertises more than 190 supported cryptocurrencies and over 250 trading pairs. Exact pairs and transfer networks change independently. A token can trade while one network is suspended or unsupported.
Match the network at both ends, include any required memo, and test a small transfer. A long asset list adds choice but does not certify the liquidity, quality, or permanence of every listing.
Staking costs
The staking schedule lists service fees from 9.95% to 39.95% of rewards for applicable assets. Soft Staking deducts 90% of rewards under the current table. Compare the net result, not the gross protocol rate.
Staking also adds token-price, validator, slashing, unbonding, custody, and tax risk. State and asset eligibility can change.
Custody and security
Binance.US terms describe customer assets held beneficially in custodial omnibus hot and cold wallets. The user owns the beneficial interest but does not control the exchange keys. The terms state that crypto and fiat balances are not FDIC- or SIPC-insured.
Enable strong two-factor authentication, use a unique password, secure email, review devices, and protect withdrawal settings. Do not share codes or install remote-access software for unsolicited support. Security claims and audit work reduce risk but do not eliminate phishing, operational, or counterparty loss.
Binance.US is not Binance.com
The global and U.S. sites have different legal entities, products, eligibility, assets, liquidity, and terms. A tutorial for Binance.com futures, card, leverage, or deposits may not apply to Binance.US. Use .us documentation for every decision.
Execution and operational risk
Tiny percentage fees do not guarantee a good fill. On a smaller pair, the spread and depth can dominate the published taker charge. Inspect the order book, calculate the maximum notional value, and use a limit price when price control matters. A post-only instruction can help avoid taker treatment but can also reject or leave an order unfilled.
After a purchase, confirm that the desired withdrawal network is operational before assuming the asset can move. A platform can support trading while a network is suspended for maintenance or migration. Preserve the deposit reference, order ID, transaction hash, and screenshot of the network selection.
Jurisdiction changes are another operational risk. A customer who moves should update residency and read the current state page before funding. Do not use a VPN or false address to reach an unavailable service; that can create account restrictions when access is most important.
Where Binance.US appears on DollarScout
DollarScout's full review scores fees, usability, asset selection, security, and support. Comparisons begin with jurisdiction eligibility and separate Advanced rates from Convert spread, staking deductions, and withdrawal costs.
Rankings do not describe the platform as universally available or every transaction as fee-free. The low spot rate is a real advantage inside a narrower operating boundary.
Decision checklist
Before using Binance.US:
- Confirm current state eligibility and USD access.
- Verify whether the pair is Tier 0 or Tier 1.
- Compare Advanced execution with the Convert quote.
- Account for the ACH withdrawal clock.
- Calculate net staking rewards after the service fee.
- Match the exact withdrawal network and memo.
- Set a deliberate maximum custodial balance.
Editorial conclusion
Binance.US offers the most compelling published entry spot rates in this DollarScout group. The advantage is genuine for an eligible customer using liquid Advanced pairs. It does not erase state restrictions, ACH holds, staking deductions, spread, or uninsured custody. Start with eligibility, then price the entire transaction path.