Direct answer
At Binance's TRC20 withdrawal fee of 1.5 USDT on the screenshot date, withdrawing 20 USDT delivers only 18.50 USDT, a 7.50% fee; 50 USDT costs 3.00%; 500 USDT only 0.30%. ERC20 cost just 0.4 USDT that day, bringing a 50 USDT withdrawal down to 0.80%. Because the fee is fixed, the smaller the amount, the higher the share; combining withdrawals or using a cheaper network pays off.
The result first
Take Binance's USDT withdrawal fees on the date of this article's screenshot (shown below): Tron (TRC20) 1.5 USDT, Ethereum (ERC20) 0.4 USDT. In the USDT transfer calculator, enter only the amount and the exchange's withdrawal fee, with trading fee and network fee at 0.
Over TRC20: 20 USDT delivers 18.50 USDT, a 7.50% cost; 50 USDT delivers 48.50 USDT, 3.00%; 100 USDT delivers 98.50 USDT, 1.50%; 500 USDT delivers 498.50 USDT, 0.30%; 1,000 USDT delivers 998.50 USDT, 0.15%.
The same 50 USDT over ERC20 pays only 0.4 USDT and delivers 49.60 USDT, a 0.80% cost. 20 USDT over ERC20 delivers 19.60 USDT, 2.00%.
How the share is calculated
Fee share = withdrawal fee ÷ amount. With a fixed 1.5 USDT fee, withdrawing 50 USDT costs 1.5 ÷ 50 = 3%; 500 USDT costs 1.5 ÷ 500 = 0.3%. Ten times the amount, a tenth of the share.
Amount received = amount − withdrawal fee − any trading fee and network fee. The withdrawal fee an exchange shows usually already includes the on-chain cost; the transfer calculator keeps them separate so you can enter exactly what the confirmation screen shows.
Mind the minimums too: on the screenshot date, Binance's TRC20 minimum withdrawal was 5 USDT and OKX's was 10 USDT. Below that, you cannot withdraw at all.
Amount against fee share
Using Binance's fees on the screenshot date: 1.5 USDT for TRC20 and 0.4 USDT for ERC20. Every row reproduces in the USDT transfer calculator.
| Amount (USDT) | TRC20 received | TRC20 share | ERC20 received | ERC20 share |
|---|---|---|---|---|
| 20 | 18.50 | 7.50% | 19.60 | 2.00% |
| 50 | 48.50 | 3.00% | 49.60 | 0.80% |
| 100 | 98.50 | 1.50% | — | — |
| 500 | 498.50 | 0.30% | — | — |
| 1,000 | 998.50 | 0.15% | — | — |
The share formula
A fixed fee's share falls in proportion to the amount. To keep the fee under 1%, withdraw at least 100 times the fee: 150 USDT at a 1.5 USDT TRC20 fee, 40 USDT at a 0.4 USDT ERC20 fee.
Binance's USDT withdrawal fees
Below is a screenshot of Binance's deposit and withdrawal fee page filtered to USDT: each network has its own minimum and withdrawal fee. The figures change with network conditions; the confirmation screen at the time is the one to trust.
OKX's USDT withdrawal fees
OKX's withdrawal page likewise lists a minimum and a network fee per network; on the screenshot date, TRC20 had a 10 USDT minimum and a 1.5 USDT fee, and ERC20 a 0.31 USDT fee.
TRC20 is not always cheapest
Many people send USDT over TRC20 by habit, but on the screenshot date both Binance and OKX charged 1.5 USDT for TRC20, while ERC20 cost only 0.4 and 0.31 USDT. Fees move with network conditions, so look at the figures when you act, not at the network's name.
Before switching networks, always confirm the receiver supports the same one; a wrong network may not credit automatically. The fee saved is nothing next to the risk of sending on the wrong network.
Making small withdrawals cheaper
First, combine: let several small amounts build into one withdrawal and pay the fixed fee once. Second, compare each network's current fee with what the receiver supports and choose the cheapest one you are sure works. Third, check the minimum withdrawal and the receiver's minimum deposit.
Enter the fee from the actual confirmation screen in the USDT transfer calculator to see what arrives and the cost share; the screenshot below only shows that fees differ by network — what you will pay today is on the withdrawal confirmation screen.
Official sources and calculation boundary
Withdrawal fees and minimums are quoted from screenshots of Binance's and OKX's official withdrawal fee pages, dated beneath each image; fees change with network conditions, so the calculations here show how a fixed fee's share behaves, and the actual deduction is on the withdrawal confirmation screen.
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Frequently asked questions
Is the withdrawal fee a percentage?
No. A USDT withdrawal fee is usually a fixed amount set per network, so the smaller the withdrawal, the larger its share.
What happens below the minimum withdrawal?
The exchange will not let you withdraw. On the screenshot date the TRC20 minimum was 5 USDT on Binance and 10 USDT on OKX; the withdrawal page shows the current threshold.
Why were both exchanges' TRC20 fees the same?
Both happened to be 1.5 USDT on the screenshot date, but each exchange sets and changes its own; check the current figure before every withdrawal.
Do internal transfers pay a withdrawal fee?
Transfers between accounts on the same exchange usually do not; moving to another exchange or a wallet goes over the blockchain and is charged, under each exchange's rules.