USDT top-up cost estimator: what the fees add up toFold in the buy fee, the network withdrawal fee and any top-up rate on arrival, and see what the whole route costs and how high your effective cost rate really runs
The real cost of the USDT top-up route is buy fee + network withdrawal fee + top-up fee on arrival, and that total divided by your principal is your "effective cost rate". The easy one to miss is the flat network fee, which weighs heavily on small amounts. You type in the four figures for your own route, and the table under it shows what each network cost to send from Binance on 28 September 2026, so you have a real number to start from.
An estimate from the figures you entered; the withdrawal screen shows the fee that applies right now
What sending USDT costs on each network
These are the USDT withdrawal fees in Binance's public list of networks, read on 28 September 2026. The fee is charged per withdrawal whatever the amount, and Binance adjusts it when network costs move, so its withdrawal screen always shows the figure that applies at that moment.
| Network | Fee per withdrawal | Minimum withdrawal |
|---|---|---|
| BNB Smart Chain (BEP20) | 0.01 USDT | 5 USDT |
| Optimism | 0.04 USDT | 3 USDT |
| AVAX C-Chain | 0.04 USDT | 5 USDT |
| Polygon PoS | 0.07 USDT | 5 USDT |
| Ethereum (ERC20) | 0.3 USDT | 5 USDT |
| Solana | 0.3 USDT | 5 USDT |
| TON | 0.3 USDT | 3 USDT |
| Arbitrum One | 0.4 USDT | 3 USDT |
| Tron (TRC20) | 1.5 USDT | 5 USDT |
Two things follow. The receiving side picks the row: a card provider or merchant that only lists TRC20 costs 1.5 USDT per trip from Binance, one that takes BEP20 costs 0.01. And on small amounts the flat fee is most of the cost: 1.5 USDT on a 50 USDT top-up is 3 percent before anything else; on 500 USDT it is 0.3 percent. Put your network's fee into the calculator above and try both amounts.
Buying is the smaller part. Binance's fee schedule showed 0.1% for a regular spot trade that day, or 0.075% with the fee paid in BNB. Sending on a network the receiver doesn't list is how USDT gets stuck, so match the network name on both screens before you confirm; what to do if it has already happened is in the guide to paying with USDT.
Where to find the buy, network and top-up fees
How accurate this is comes down to getting the four figures right. Here's where to find them:
- Top-up amount. The principal you plan to put in this time, such as 1000. Type the number only; no currency symbol needed.
- Fee to buy USDT %. The trading fee charged when you convert cash into USDT on an exchange. You'll see it on the Binance order screen or fee schedule, usually a very small percentage. If you're unsure, leave it blank and the tool treats it as 0.
- Network / withdrawal fee. The flat on-chain fee charged per transaction when you move USDT off the exchange. It doesn't depend on how much you send, so enter a flat figure here, not a percentage. If it doesn't apply (say you spend on-platform), leave it blank.
- Top-up rate on arrival %. Once the USDT lands, if it still has to be loaded onto a virtual card, a merchant or a platform, that side may charge another rate; enter that percentage. If you're just holding the coins with no next step, leave it blank.
To see whether the route is worth it at a small size, keep the same fees and run the "Top-up amount" once at your small bracket and once at your large one, watching the "effective cost rate" line. You'll notice the flat network fee pushes the rate way up on small amounts and only gets diluted once the figure grows. That tells you how much to save up before making a single trip, instead of letting the flat fee eat a chunk every small top-up.
Questions people ask
- How much does it cost to send USDT?
- From Binance on 28 September 2026: 0.01 USDT on BNB Smart Chain, 0.07 on Polygon, 0.3 on Ethereum, Solana or TON, and 1.5 on Tron (TRC20), per withdrawal whatever the amount, with a 3 or 5 USDT minimum. The network is decided by what the receiving side accepts, so check that first.
- Why is the network fee a flat amount, not a percentage?
- Because an on-chain withdrawal fee is usually charged per transaction and barely depends on how much you send: moving 50 or 500 can cost the same network fee. So it weighs heavily on small amounts and gets diluted on large ones. Treating it as a flat per-transaction fee is exactly what lets you see when the route isn't worth it at a small size.
- Should I fill in the top-up rate on arrival?
- It depends on your use. If the USDT still has to be loaded onto a virtual card, a merchant or a platform that charges a rate for that step, enter that percentage; if you're just holding the coins with no further cost, leave it blank and the tool treats it as 0.
- Can I treat the effective cost rate as the exact percentage I'll be charged?
- No. The real cost also depends on the spread when you buy, fee swings when the network is busy, and each platform's specific rules on arrival. The withdrawal screen shows the exact network fee before you confirm, and the order screen the trading fee; enter those and the estimate comes close to what you will actually pay.
Note: what you type is worked out on this page only; it isn't sent anywhere or saved. The fee table above was copied from Binance's public network list and fee schedule on 28 September 2026. Updated 2026-09-28.