How to Buy US Stocks on Binance: Payment, Sessions, Fees and Proceeds (2026)
Binance Stock Trading is a service provided on the Binance platform by Nest Trading Limited. Users are the beneficial owners of the shares they buy, and the shares are held in custody by a brokerage Binance partners with. The rules and figures below come from the Binance Help Center page "What Is Binance Stock Trading and How to Trade Stocks on Binance?" and the stock fee page, with fees as the fee page showed them in October 2026. Both pages change, so check each item below against them before you trade.
What you own and who provides it
The help page says "Users are the beneficial owners of the shares they purchase" and that the shares are held in custody by a brokerage Binance partners with. It does not name the brokerage. While you hold, "Users are eligible to receive dividends and participate in corporate actions, where applicable"; dividends are subject to a default 30% withholding, which is listed on the fee page.
This is a different product from bStocks on Binance Spot. bStocks are tokenized securities and are not the same as direct ownership of the share. How the two differ, and where xStocks fit, is laid out in the comparison of Binance stocks, bStocks and xStocks.
Where it is available: the official page gives one sentence
The help page lists no countries. It says only that "Availability of the service and its features will vary by jurisdiction, and users in some markets will not be able to access these services." The threshold is worded as "Eligible users with an existing Binance account", and the page does not spell out what makes a user eligible. The only way to know is to log in, see whether your account shows a stock trading entry, and read the terms presented when you enable it.
What you can pay with and the minimum order
- Minimum: the help page gives a minimum investment of 5 USD. Each stock also has its own trading parameters, such as a minimum notional amount, so check the stock's parameters before ordering.
- Fractional shares: "Fractional trading is supported for selected stocks", which means not every stock.
- Payment assets: stock purchases are primarily made in USDC. BNB, USDT, U and USD1 are also supported (the help page lists U and USDT as two separate assets) and are converted to USDC when the order is submitted. The assets have to sit in your Funding or Spot Account.
- Conversion cost: the fee page lists conversion between USDC and USD at zero. For USDT and the other assets, the page gives no fixed rate for the conversion into USDC; the order confirmation shows it.
So the accurate version of "buying US stocks with USDT" is this: you can place the order with USDT, it becomes USDC before the trade, and what comes back when you sell is USDC as well.
Four trading sessions, and how market and limit orders differ in each
| Session | Eastern Time (ET) | Days | Market orders | Limit orders |
|---|---|---|---|---|
| Pre-Market | 4:00 AM – 9:30 AM | Monday to Friday | Queued until the next Market-Open session | Active for extended-hours or 24-hour session orders |
| Market-Open | 9:30 AM – 4:00 PM | Monday to Friday, excluding US public holidays | Active | Active |
| Post-Market | 4:00 PM – 8:00 PM | Monday to Friday | Queued until the next Market-Open session | Active for extended-hours or 24-hour session orders |
| Overnight | 8:00 PM – 4:00 AM | Sunday to Thursday | Queued until the next Market-Open session | Active for 24-hour session orders only |
Taken together, the page describes the service as running up to 24 hours a day, 5 days a week. Eastern Time is UTC-5 in winter and UTC-4 during daylight saving time, so the Market-Open session is 14:30–21:00 UTC in winter and 13:30–20:00 UTC in summer.
The order types are market, limit and stop-limit. A limit order can be DAY or GTC, and a GTC order stays active for up to 90 days. A market order can be placed at any time but is only active during regular trading hours: submit one in the pre-market, post-market or overnight session and it waits for the next open, where it fills at the market price of that moment, which may differ from the quote you saw when you submitted it.
From order to sale, in sequence
- Confirm that your account shows a stock trading entry (see the availability section above).
- Put the assets you plan to use in your Funding or Spot Account. USDC is the most direct; USDT, BNB and the others are converted to USDC when the order is submitted.
- Find the stock by ticker and read its trading parameters first: the minimum notional amount and whether fractional trading is supported.
- Choose the order type and time in force. Use a limit order if you want control over the fill price; a market order submitted outside the Market-Open session is queued.
- Before you submit, check three things on the confirmation screen: the amount you will pay, the platform fee or spread, and the USDC amount after conversion. For a first order, an amount close to the minimum lets you go through one buy and one sell cheaply.
- When you sell, the proceeds are credited as USDC to your Funding Account. Settlement happens on the next settlement cycle, which in the page's words "may fall in the range of T+1 trading day". Until settlement completes, sale proceeds can only be used for spot, stock trading and earn subscriptions.
Fees: promotional pricing until the end of 2026
Binance charges no commission on stock trades. It charges a platform fee or a spread, in two bands by order value. Promotional pricing runs until 2026-12-31 23:59 (UTC); standard pricing applies after that:
| Order value | Promotional price (until 2026-12-31 23:59 UTC) | Standard price |
|---|---|---|
| Smaller orders | 340 USD and below: a platform fee of 0.17 USD per order | 350 USD and below: 0.35 USD per order |
| Larger orders | Above 340 USD: a spread of 0.05% instead | Above 350 USD: a spread of 0.10% |
A 100 USD purchase at the promotional price costs 0.17 USD, which is 0.17 ÷ 100 = 0.17% of the order; the same purchase at the standard price costs 0.35 USD, or 0.35%. The help page is still written at the standard price, so where the two pages disagree, go by what the fee page currently shows.
Currency conversion, dividend withholding, regulatory fees, the ADR fee and DTC transfers out, along with three worked examples at current prices, are in the Binance US-stock fee table. To run your own amounts, use the US Stock Trading Cost Calculator.
Transfers out, corporate actions and other limits
- Moving shares to another broker: shares can be transferred out through DTC, priced on the fee page at 150 USD per security per transfer. ACATS is not supported. On a position worth one or two hundred dollars, that transfer fee outweighs every trading fee.
- Corporate actions: events such as splits and dividends can affect GTC orders that have not filled yet, so anyone leaving long-dated limit orders open should watch the announcements.
- Custody: the shares sit with an external brokerage and you are the beneficial owner. What happens if the service provider or the brokerage runs into trouble depends on the terms you accept when enabling the service; the help page does not go into it.
- USDC on both ends: your assets become USDC before a purchase and sale proceeds arrive as USDC, which puts a stablecoin on each side of the trade.
The help page also notes that other fees and costs may apply, such as currency conversion, regulatory fees, dividends, taxes and holding fees. The items the fee page actually prices are listed line by line in the fee table linked above.