How to Read Exchange Fees in 2026: Basics of Maker/Taker, Spread, and Deposits/Withdrawals

When starting cryptocurrency trading, understanding the fee structure is essential for cost management. Each exchange has its own fee system, and trading without this knowledge can lead to significant differences in actual costs. Based on the latest information for 2026, this article explains the basics of maker/taker fees, spreads, and deposit/withdrawal fees.

What Are Maker/Taker Fees

Exchange fees are divided into "maker" and "taker" categories based on the type of order placed.

• Maker: The party that places a limit order on the order book, providing liquidity. Most exchanges set maker fees lower, and in some cases, they may be zero or even negative (rebates).
• Taker: The party that fills an existing order on the order book (e.g., market orders). Since they consume liquidity, taker fees are set higher.

As of 2026, major domestic exchanges typically charge maker fees ranging from 0% to 0.05% and taker fees from 0.05% to 0.20%. However, rates may be discounted based on trading volume or tier level, so be sure to check each exchange's official website for exact rates.

The Real Cost of Spreads

The spread is the difference between the Ask price and the Bid price. When trading through a market maker model, this spread effectively acts as a fee, often costing 2–5% round trip. In contrast, the exchange model (order book trading) offers tighter spreads and only charges maker/taker fees, making it more advantageous for frequent traders.

For example, buying Ethereum (ETH) through a market maker incurs the spread cost, but placing a limit order on an exchange can keep fees below 0.1%. Beginners are advised to consider using the exchange model first.

Important Notes on Deposit and Withdrawal Fees

Depositing or withdrawing funds from an exchange may also incur fees.

• Deposits in Japanese Yen: Many exchanges offer free bank transfers and convenience store deposits, but instant deposit services may charge a fee.
• Deposits in Crypto: Usually free, but network fees (gas fees) are required separately.
• Withdrawals in Crypto: Each exchange sets fixed or variable fees. For example, Bitcoin withdrawal fees are typically around 0.0004 BTC, and Ethereum around 0.005 ETH, but these can fluctuate during network congestion. Always check before withdrawing.

Additionally, some exchanges offer one free withdrawal per month.

Key Points for Fee Comparison

When comparing fees in 2026, be sure to check the following:

• Spot trading maker/taker fees: These vary by exchange.
• Market maker spreads: If using a market maker, check the spread size.
• Deposit and withdrawal fees: Withdrawal fees in particular can differ between exchanges.
• Staking and lending fees: Also consider the costs of using additional services.

While choosing an exchange with low fees is important, be sure to also evaluate security, available assets, and ease of use comprehensively.

Risks and Considerations

Cryptocurrency trading involves price volatility risk and the possibility of losing your principal investment. Additionally, attention should be paid to exchange hacking risks and fluctuating fees. Always check the official information from each exchange for fee details and stay updated on the latest fee structures. Tax regulations vary depending on your country or region of residence.

It is recommended to not only compare fees but also review the overall reputation and support system of each exchange.

Summary

Understanding the three key components—maker/taker fees, spreads, and deposit/withdrawal fees—allows you to effectively minimize trading costs. As of 2026, competition among domestic exchanges has intensified, leading to fee reductions and promotional campaigns. Before you start trading, compare multiple exchanges and choose a fee structure that suits your trading style.

For a more detailed comparison of exchanges, see Crypto Asset Exchange Comparison.

Risk and Disclosure

Risk: Crypto assets are highly volatile and carry the risk of losing your entire principal. This article provides a general overview based on information as of July 20, 2026, and does not constitute investment solicitation, advice, or a recommendation of any specific asset. Trading eligibility and tax treatment vary by country/region, so please be sure to check the regulations in your country of residence and the latest terms of each exchange before using.

Affiliate Disclosure: This article may contain advertising (affiliate) links, and our site may receive compensation at no additional cost to the reader. Compensation does not affect our evaluations.

Frequently Asked Questions

What is the difference between maker and taker fees?

Makers provide liquidity by placing limit orders and typically pay lower fees, while takers consume liquidity with market orders and pay higher fees.

Which is cheaper: a brokerage or an exchange?

Generally, exchanges (order book trading) have lower fees, while brokerages have wider spreads, resulting in higher effective costs.

How much are cryptocurrency withdrawal fees?

Typical fees are around 0.0004 BTC for Bitcoin and 0.005 ETH for Ethereum, but they vary by exchange and network conditions.

Are there exchanges with zero fees?

Some exchanges offer zero maker fees, but taker fees or withdrawal fees may still apply.

What should I watch out for when comparing fees?

Consider volume-based discounts, promotional rates, and deposit/withdrawal fees to get a complete picture.