Funding cost estimator
From USD, HKD or CNY to USDT sitting in an exchange—what does that trip actually cost? Drop in an amount, a method and a rate, and see the bill for yourself.
What this estimator is doing
From the cash in your hand to USDT you can actually buy coins with, money passes through three gates, and a little can leak at each:
- Channel cost: every funding method charges differently. C2C usually has no explicit fee, but the buy price carries a small premium; card funding often runs 1%–2%; a wire has a fixed cable fee plus correspondent-bank deductions.
- FX spread: turning HKD or CNY into USD or USDT means a gap between the executed price and the mid-rate. We use a conservative estimate here.
- Trading fee: buying and selling spot on Binance is 0.1% as standard; sign up with our referral code and you get 20% off, about 0.08%.
Rates, limits and fees change constantly, and platforms sometimes waive fees during promotions. Treat the figure as a rough sense of scale. Before you actually place an order, go by whatever the bank and exchange show on their pages at the time.
How people usually bring the cost down
Picking the right funding method often saves more than fussing over fee decimals: instant local transfers (Hong Kong's FPS, a local bank card via C2C) are usually cheaper than a cross-border wire; on large amounts, once the fixed cable fee is spread thin a wire can actually come out ahead; and for frequent traders, the gap between 0.1% and 0.08% adds up over a year. For the step-by-step on each funding method, read funding Binance from a Hong Kong card and C2C vs card funding compared.