Binance Referral ID with a lifetime 20% discount in 2026

The Binance Referral ID in February 2026 is: X3K03HWT. With this ID you receive a 20% cashback on every spot trade and you can combine it with the 25% BNB discount.

Our 20% lifetime cashback works in combination with the 25% Binance Coin discount. So you will get a discount of 40% on trading fees in total. With our Binance Referral ID code you will get a double discount and save a lot of money on fees. Binance will give every trader a discount of 25% when they hold Binance Coin. With our cashback promo, you will get 20% refunded into your Binance account.

It is only possible to apply the Referral ID code when creating a new account. When you are already an account holder you can consider to create a new account with our Referral ID.

Please note that a lot of websites are promising higher discount codes for Binance, but the 20% cashback is the absolute maximum. It is not possible to give a higher discount than 20%. Whenever you create an account, you can verify the cashback.

By using the Binance Referral ID above you support CryptoTips.eu and you save a lot of money. Binance has set up its own partner program to attract potential traders. With this program, anyone can promote Binance and earn cryptocurrency with it. This can be done through a special link, which includes your Referral ID. When someone registers via the special link or uses the ID, this user is linked to the owner of the ID.

To learn more about Binance you can read our Binance review.

How will the discount be calculated?

The standard trading fee on Binance is 0.10% per trade. When you hold Binance Coin you will save 25% on every trade. So you only pay 0.075% fee over every trade. If you do a single trade of € 1,000, you will pay € 0.75 of fee.

With our Binance referral ID activated you will get a cashback of 20% of this amount. Binance will refund € 0.15 to your account. That brings your effective fee down to € 0.60, which is a total discount of 40% compared to the standard fee of € 1.00. You can imagine if you trade high volumes that you can save a lot of money on fees. 

For futures trading, the standard fees are even lower: 0.02% for maker orders and 0.05% for taker orders. You can use the Binance Futures Referral ID deduct10percent to save an additional 10% on these fees.

How do you apply the Binance Referral ID?

Follow these steps to create an account with the Binance Referral ID and activate your lifetime 20% cashback:

• Step 1: Go to Binance.com or download the Binance app on your phone.
• Step 2: Click on ‘Register‘ and choose to sign up with your email address or phone number.
• Step 3: Enter your email, create a strong password and fill in the Referral ID: X3K03HWT. If the referral field is hidden, click on ‘Referral ID (Optional)‘ to expand it.
• Step 4: Agree to the terms and conditions and click ‘Create Account’.
• Step 5: Verify your email address by entering the code Binance sends you.
• Step 6: Complete the identity verification (KYC) to unlock all features including deposits and trading.

You know when you successfully applied it when you see the message: Your commission kickback rate: 20%. Important: the Referral ID can only be entered during registration. If you already have an account without a referral code, you can consider creating a new account with our ID. In our how to trade at Binance tutorial you can see how you open positions and start trading.

Binance fees explained

Binance uses a maker-taker fee model. You pay a fee every time you buy or sell crypto. The fee depends on the type of trade and whether you add liquidity (maker) or take liquidity (taker). 

Here is an overview of the standard Binance fees for non-VIP users:

You can lower these fees in two ways. First, by holding BNB (Binance Coin) in your account. This gives you an automatic 25% discount on spot trading fees. Second, by using our Referral ID to get a 20% cashback on top. Combined, this results in a 40% total discount on spot fees. 

For high-volume traders, Binance also offers a VIP program with up to 9 tiers. The more you trade, the lower your fees become. VIP 1 starts at a 30-day trading volume of 1,000,000 USDT or holding 25 BNB. Deposits in crypto are free. Fiat deposits via bank transfer (SEPA) are also free, but credit card deposits may carry a fee from the payment processor.

Binance Referral ID vs Bybit and OKX

How does the Binance referral discount compare to other major exchanges? Here is a side-by-side comparison of Binance, Bybit and OKX:

As you can see, Binance offers the highest combined referral discount for spot trading. The 20% cashback stacked with the 25% BNB discount gives you a total of 40% off, which no other major exchange can match.

OKX has slightly lower base maker fees (0.08%), but without a comparable referral cashback program. 

Keep in mind that these are the global fee rates. European platforms like Bybit EU and OKX Europe are charging higher fees due to local regulations and separate platform structures.

Is Binance safe?

Binance is widely considered one of the safest cryptocurrency exchanges in the world. The platform has never suffered a major hack that resulted in permanent loss of user funds, and it invests heavily in security infrastructure. One of the key safety measures is the Secure Asset Fund for Users (SAFU). This is an emergency insurance fund that Binance established in 2018 to protect users in extreme scenarios. As of 2025, the SAFU fund holds $1 billion in USDC. 

Binance also publishes Proof of Reserves, allowing anyone to verify that user assets are fully backed 1:1. Combined with two-factor authentication (2FA), withdrawal address whitelisting and real-time monitoring, Binance offers a strong layer of security for your funds. 

The exchange was recognized as one of Forbes’ Most Trusted Crypto Exchanges in 2025 and has been actively working with regulators worldwide to strengthen compliance. 

That said, always remember: keeping your crypto on an exchange means you don’t hold the private keys. For long-term storage, consider moving your assets to a personal hardware wallet.

How does the Binance referral program work?

Besides saving on fees with a referral code, Binance also has a Refer & Earn program that rewards both you and your friends. When you invite someone to Binance and they sign up through your personal referral link, buy at least $50 worth of crypto and trade $100 or more via Spot or Convert, you both receive a 100 USD trading fee rebate voucher. 

In total, you can earn up to $1,000 in fee rebates by referring multiple friends. On top of that, Binance regularly runs limited time promotions where you can earn extra token rewards for referring new users. Setting it up is simple: go to the Refer & Earn page in your Binance account, copy your unique referral link and share it with friends. Once they complete the required steps, the rewards are credited automatically.

What is Binance?

Binance is the world’s largest cryptocurrency exchange, trusted by over 300 million users across 180+ countries. Founded in 2017 by Changpeng Zhao (CZ), the platform has grown into a full blockchain ecosystem with spot trading, futures, staking, an NFT marketplace and much more.

Binance currently offers 350+ cryptocurrencies to trade. The exchange is regulated by the Financial Services Regulatory Authority (FSRA) of the Abu Dhabi Global Market (ADGM) and is led by co-CEOs Richard Teng and Yi He.

Binance was recognized as one of Forbes’ Most Trusted Crypto Exchanges in 2025 and listed #1 in Fortune’s FinTech Innovators Asia 2024. When it comes to security, Binance maintains the Secure Asset Fund for Users (SAFU), a $1 billion reserve in USDC that protects user funds in rare emergencies.

The platform also publishes Proof of Reserves, allowing users to verify that their assets are fully backed.

With over $50 billion in daily trading volume, deep liquidity and 24/7 customer support in 40 languages, Binance remains the go-to exchange for both beginners and experienced traders.