Why is my Binance fee higher than expected?

You checked the fee schedule.
It said 0.1%.

But your actual fee feels higher.
Here is why.

Binance fees depend on three things:
order type, payment method, and whether
you used a referral code at registration.

Market orders cost more than limit orders.
Paying fees in USDT costs more than BNB.
Registering without a referral code means
you are on the highest default tier — permanently.

None of this is explained during signup.
None of it is easy to find afterward.

The only one you can still fix right now:
you have not created your account yet.

GERMANY20 at registration.
Drops your base fee 20% before your first trade.
Stack BNB payments on top: total reduction hits 45%.

Spot + Futures. Forever.
Up to $19,800 USDT welcome bonus.