Binance Invitation Code (Referral Code) 2026: Fee Rebate Up to 20%, So Where Do 40% and 50% Come From? How to Check Before You Sign Up, and How to Add One After Signing Up

Under Binance’s official rules, the fee rebate you can get with a Binance invitation code is capped at 20% on spot, margin and futures: Binance’s “Binance Affiliate Program Starter Guide” (updated 4 November 2026) says affiliates can set “a trading fee rebate of up to 20%” for invitees “for Spot, Margin, and Futures trading”, and the inviter sets the rate when creating the invitation link. So with headlines like “Binance invitation code 40%” or “50%”, the part above 20% cannot come from Binance.

On 1 November 2026 I searched for terms such as “幣安邀請碼” (Binance invitation code), “币安邀请码 返佣” and “Binance referral code”, collected 58 invitation codes from 54 pages, and looked up each code’s rate in Binance’s official system. Of the 26 that claimed more than 20%, none actually exceeded 20%, and 5 had no fee rebate at all; of the 18 that claimed 20%, 8 were actually lower, 5 of them at 0%. This article covers Binance’s official rules, what my check found, how to verify a code yourself before signing up, the steps for sign-up and identity verification, and how people who have already signed up can still add an invitation code.

Before you sign up: on 29 October 2026, about US$6.3 billion was stolen from Binance’s hot wallets. Withdrawals have been resuming in stages since 1 November, and some coins still can’t be withdrawn. For what happened and how Binance’s compensation is going, see “Binance hack”.

What a Binance invitation code gets you: up to 20%, set by the inviter

Binance’s fee rebate rate is set by the inviter, up to 20%. Under Binance’s “Frequently Asked Questions on Binance Referral Pro Mode” (updated 5 August 2026), if the inviter sets it to 0%, you get no rebate.

This site’s Binance invitation code gives 20%, the same for futures and spot; the rate comes from the data synced daily to the invitation box below. How Binance calculates fees, and the discount for paying fees in BNB, are covered in the fees section of the “Binance review”.

Binance invitation codes advertised at 40% or 50%: I checked them

Binance has a public lookup endpoint: enter an invitation code and it returns that code’s maximum rebate rate, which is where the rate on the left side of Binance’s sign-up page comes from. On 1 November 2026 I searched 7 sets of keywords, collected 54 pages that listed a Binance invitation code (in Traditional Chinese, Simplified Chinese and English), 58 codes in all, and looked up each one:

A few patterns:

• Not one rate above 20% exists in Binance’s system. The code advertised as “highest anywhere: 55%” actually had 0%, and one advertised as “lifetime 40%” also had 0%.
• A code advertised at 20% isn’t necessarily 20% either: 8 of the 18 were lower, and two advertised as “permanent 20%” and “save 20%” actually had only 5%.
• Most 40% and 45% figures are stacked calculations: take a 20% invitation code and add the 25% discount for paying fees in BNB (spot fees drop from 0.1% to 0.075%); take another 20% off 0.075% and you get 0.06%, which is 40% less than 0.1%. But Binance gives the BNB discount to all users, with or without an invitation code. And the invitee’s rebate is calculated on the fees actually paid, so I couldn’t check each page’s calculation one by one.
• Only 1 page said outright that the part above 20% is paid by the website itself (“refunded manually” for people who trade a lot, paid weekly). It had no public payout terms, and its only contact was a community group chat.
• Only 1 page included a recent screenshot of Binance’s sign-up page (and the rate it showed matched the system); another page’s screenshot was from 2022. The other pages had only illustrations or text.
• “Lifetime”, “permanent” and “highest anywhere” are common, including on pages whose codes actually had 0% or 5%. Binance’s rules give no “lifetime” guarantee (see the next section).
• One page offered an Android installation file from a third-party domain, not Binance’s official download location.

Pay particular attention to the left side of the second comparison image at the top of this article: “19,800 USD” is the cap on new-user task rewards, not a fee rebate. An inviter can set the rebate to 0% and the page still shows this big number. According to Binance’s “Affiliate-Boosted Welcome Bonus” campaign page, this reward has 7 task tiers, is unlocked only if you complete identity verification within 30 days of signing up, and is paid out as vouchers:

At Binance’s regular-user rates, Tier 1’s US$3,000 of spot trading costs about US$3 in fees; Tier 7’s US$50 million, even if it is all futures at the 0.05% taker rate, costs about US$25,000 in fees. 19,800 is the cap for completing all 7 tiers; a typical user is more likely to reach the first few. The campaign page also says actual tasks and rewards vary by user, and that what the Reward Hub shows is what counts.

My view: many pages give only a number, with no screenshot and no payout rules, and after you sign up, the promised number may never materialize. The method in the next section lets you check these numbers one by one before you sign up.

For the results at all 8 exchanges side by side, see Crypto exchange invitation codes tested.

Check a Binance invitation code yourself before signing up: three checks

Check 1: open Binance’s official sign-up page and read the left side

In your browser, enter https://accounts.binance.com/en/register?ref= followed by the invitation code. For example, open my invitation link and you will see Binance’s official sign-up page saying “UP TO 20% TRADE REBATES”. First make sure the address is binance.com, then read the text on the left:

• If it says “UP TO 20% TRADE REBATES” (or another rate, such as 10% or 5%): the code comes with a fee rebate, at the rate shown on the page.
• If it only says “Up to 100 USD Sign Up Rewards” or “Up to 19,800 USD Sign Up Rewards”: the code has no fee rebate, only new-user tasks.

This is how the page looked when I checked on 1 November 2026. Binance has not officially explained it, and it may differ by region or after a redesign. “Rebates” is the word Binance’s interface uses, and it simply means fees refunded to you.

Check 2: who pays the part above 20%, and how

Under Binance’s rules, the invitee’s rebate is capped at 20%. If a page advertises a higher number, the extra can only be something the website itself promises to pay separately, and it has nothing to do with Binance. Binance’s “Binance Referral Program Terms” (effective 5 January 2026) also say that the amount of rebates is at Binance’s sole discretion.

So when you see a rate above 20%, get clear answers to the following. If they can’t answer, assume there is nothing:

1. Who pays: a company name or a responsible person, not a nickname.
2. How it is calculated and when it is paid: on what basis, whether daily, weekly or monthly, and where it is paid to.
3. Minimums and conditions: the minimum payout, whether you must complete identity verification or deposit first, and any trading volume requirement.
4. Written rules: whether there is a public terms page, rather than “message the site owner”.
5. Evidence: a recent screenshot of Binance’s sign-up page showing the rate, or records of actual payouts.

Check 3: Binance does not guarantee “lifetime” or “permanent”

In the “Frequently Asked Questions on Binance Referral Pro Mode” and “Binance Referral Program - Additional Notes” (updated 22 September 2026), Binance’s official policy sets out several cases in which rebates stop or are not generated:

• Spot: under Binance’s rules, once the invitee reaches VIP 3 or higher, spot rebates stop.
• Futures: under Binance’s rules, futures rebates have a 1-year validity period, after which “you will stop receiving Futures rebates” (except in the cases Binance’s rules provide for).
• Region: under Binance’s rules, if the invitee is a Hong Kong resident, no rebates are generated; from 1 July 2026, users registered in the European Economic Area can’t take part in the referral program in any capacity; referral rewards for UK users have also been removed.
• Closing and re-registering: under Binance’s rules, if you close your old account and open a new one with a different referral relationship using the same identity details, the system identifies a duplicate identity, and the user can’t receive any rebates.

Read the other way: for spot, as long as you don’t reach VIP 3 and your account’s region is eligible, the rebate continues; for futures, Binance’s rules give it a 1-year term.

Signing up for Binance with an invitation code: steps

The steps follow Binance’s “How to Register on the Binance Website?” (updated 24 November 2025). The invitation code is not on the first page; it comes at the last step, after you set your password:

1. Open the invitation link, or go to Binance’s official website, enter your email or phone number and click “Sign Up”. You can also sign up with an Apple, Google or Telegram account.
2. Read the Terms of Service and Privacy Policy, tick the box to agree, and click “Next”.
3. Within 30 minutes, enter the 6-digit verification code sent to your email or by text message.
4. Set a password: at least 8 characters, including at least one uppercase letter and one number.
5. In the last step, confirm the referral code: if you sign up through an invitation link, it is filled in automatically, with a green tick and “Linked” next to it. Once submitted, it can’t be changed, so check the rate one more time here.

Choose between a personal and an entity account first; the account type can’t be changed after sign-up.

Binance is an international exchange. The invitation code, link and rate in the box below come from data synced daily. Sign up with this site’s invitation code and you get a 20% trading fee rebate, the same for futures and spot:

Identity verification (KYC): what you need and how long it takes

You can’t trade right after signing up. Binance’s “How to Complete Identity Verification for a Personal Account?” (updated 5 June 2026) says: “All new users are required to complete [Verified] to access Binance products and service offerings, including cryptocurrency deposits and trades.” Binance’s terms of use require you to be at least 18 (or the age of majority where you live, whichever is higher).

• Where to find it: on the website, “Account” → “Identification”; in the app, “Unverified” in the account center, or “Verify Now” on the homepage.
• ID document: in most regions you can use a passport, ID card or driver’s license. Choose your residence, the document’s issuing country and the document type, then upload the front and back.
• Liveness check: follow the on-screen instructions for face verification. Don’t wear a hat or glasses or use filters, and make sure the lighting is good.
• Confirm your personal information: it must match your ID document, and you can’t change it once confirmed.
• Review time: usually within 48 hours, longer in some cases.
• Proof of address (upgraded verification): required in some regions or for some payment methods. Binance’s “How to Verify My Residential Address on Binance?” says the document generally has to be from the past 6 months (the past 3 months in some countries), and review takes up to 1 to 2 business days.

Common reasons identity verification fails

Binance has not published a full list of rejection reasons. Its “What is Face Verification and How to Complete It Successfully?” lists the reasons face verification fails:

Verification is also rejected if your personal details don’t match your ID document, or if your proof of address has expired or its name or address doesn’t match.

Where you can’t sign up, and where you can’t get the fee rebate

Based on Binance’s “List of Prohibited Countries” (updated 5 January 2026) and “Binance Referral Program - Additional Notes”:

• No service at all: the United States, Canada, the Netherlands, Cuba, North Korea, Iran, Crimea, and the so-called Donetsk and Luhansk People’s Republics. Since 1 December 2023, residents of Japan have been served by Binance Japan instead.
• No new users: the UK (since 16 October 2023).
• Can sign up, but get no rebates: Hong Kong residents; users registered in the European Economic Area (from 1 July 2026). Singapore users, Binance Israel users and retail users in Turkey are also excluded from the referral program.

This site’s invitation code is not for UK or Hong Kong residents. Please follow the laws where you live.

After signing up, check that the fee rebate applies

Binance’s “How to Use the Binance Affiliate Referral Pro Dashboard?” says the “Referral Relationship” on the referral page shows how your account was invited to Binance, “including the referral mode used (Binance Lite or Pro) and the rebate rate linked to your account”.

1. Referral Relationship: on the website, go to “Profile” → “Referral”; in the app, “Referral” on the homepage. An account registered with this site’s invitation code should show a rebate rate of 20%.
2. Check the right account: the rebate on spot trades is converted to USDC every hour and deposited into your spot account within 6 hours. The rebate on futures trades goes back to your futures account, not your spot account (from my own account records), so look there. Records older than 7 days can only be seen by downloading a statement.

Already signed up without an invitation code?

Binance’s rule: an account that already has an inviter can’t switch. Question 6 of the Referral Pro Mode FAQ says “once the referral relationship has been established, it cannot be changed or removed”, and if you close your account and sign up again with the same identity details, the rebates are canceled as well.

But if your account has never had an inviter, Binance has three official ways to add one, with conditions that depend on your account:

Here is this site’s invitation code to enter; click “Copy” and paste it into the binding page:

The detailed steps for each way, the messages the binding page may show and what they mean, and why claims online such as “ask support to switch it” or “close your account, wait 35 days and sign up again” don’t work, are covered in “How to add or change a Binance referral code”. Whether other exchanges let you add a code after sign-up, and for how long, is covered in “Adding a referral code after sign-up”.

If your account already has an inviter and doesn’t meet the conditions above, the only ways left to lower your fees are VIP tiers and paying fees with BNB, covered in the “Binance review”. For how Binance compares with OKX, see “Binance vs OKX”; for how fee rebates work at each exchange, see “What is a crypto exchange fee rebate”.

Sign up for Binance with this site’s invitation code to get a 20% trading fee rebate: