Bitfinex fees, explained for lenders
Bitfinex’s fee page is written for traders; the number that actually matters to a margin funding lender is buried in a footnote: 15% of every interest payment you earn goes to Bitfinex before it reaches your wallet — 18% if you place hidden offers. This page covers that fee in detail, plus the deposit and withdrawal costs around it, and the arithmetic of stacking a lending bot’s percentage cut on top.
All figures verified against the official Bitfinex fee schedule on July 10, 2026. Bitfinex can change fees at any time — treat bitfinex.com/fees as the authoritative source. Not financial advice.
The 15% margin funding fee (18% for hidden offers)
When a borrower pays interest on funding you provided, Bitfinex keeps 15.0% of that interest as its fee and credits the remaining 85% to your funding wallet. The fee applies to interest only — never to your principal. Place a hidden offer (one other participants can’t see in the funding book) and the fee rises to 18.0%: visibility costs nothing, privacy costs three points.
Concrete math: lend $10,000 at an average 10% annual rate and borrowers pay $1,000 of interest over the year. Bitfinex keeps $150, you receive $850 — a net 8.5% return. Remember this when comparing quoted rates anywhere: funding-book rates and FRR are gross rates; your wallet receives net. Any tool quoting you returns without saying whether they are gross or net of the 15% is hiding a sixth of the number.
In your account this shows up per payment: the Bitfinex ledger records the interest and the fee deduction on the day each loan pays. That per-payment ledger is also the correct basis for tax reporting — Stratum’s reports and backtests are all stated net of the 15% fee for exactly this reason.
Bot fees stack on Bitfinex’s 15% — mind the combined cut
Bitfinex’s 15% is unavoidable. What you control is the second layer: a lending bot that charges a percentage of earnings takes its cut from the same interest stream. A bot charging 5% of gains on top of Bitfinex’s 15% leaves you ~80.75 cents of every gross interest dollar (0.85 × 0.95), and that second cut scales with your book forever. A flat-fee bot costs the same at $25k as at $250k. Which model is cheaper depends on your book size — the crossover math is on our comparison pages, including the sizes where percentage models or cheaper flat rivals beat us.
Getting money in and out
Crypto & stablecoin deposits
Free for standard deposits. You pay only the sending network’s transaction fee, which never goes to Bitfinex.
Crypto withdrawals
Free for standard withdrawals of digital assets; internal transfers between Bitfinex users are free as well.
Bank wire (USD/EUR)
Deposits 0.1% with a $60/€60 minimum; withdrawals 0.1% with a $100/€100 minimum. Express withdrawal (within 24h) costs 1% with a $125 minimum.
Trading fees
Maker and taker fees for spot, margin, derivatives, securities, and OTC trading have been 0% since December 17, 2025. This is separate from the 15% funding-provider fee on earned interest.
Always compare net numbers
The single most common mistake in Bitfinex lending math is mixing gross and net: quoting the funding book’s 10% while your wallet compounds at 8.5%. Everything Stratum shows — calculator projections, backtest APRs, earnings reports, tax exports — is net of the 15% fee, reconciled against the actual ledger entries Bitfinex writes. When you evaluate any lending tool (ours included), the first question to ask of every advertised number is: gross or net?
Frequently asked questions
What fee does Bitfinex charge on margin funding (lending)?
Bitfinex keeps 15.0% of the interest generated by your active funding contracts — 18.0% if the offer was placed hidden. The fee applies only to earned interest, never to your principal. Verified against the official fee schedule on July 10, 2026.
Is the 15% charged on my capital or my earnings?
Earnings only. If your $10,000 earns $1,000 of interest, Bitfinex takes $150 of the interest; your $10,000 principal is untouched. Your net receipt is $850 — an 8.5% net return on a 10% gross rate.
Are the rates shown in the Bitfinex funding book gross or net?
Gross. The funding book, FRR, and candle data all quote rates before the 15% fee. Multiply by 0.85 for what actually reaches your wallet (0.82 for hidden offers). Stratum’s calculator, backtests, and reports are already net.
Why do hidden offers cost 18% instead of 15%?
Hidden funding offers don’t appear in the public book, and Bitfinex prices that privacy at three extra points of your interest. Most lenders and bots use visible offers; hiding an offer also gives up the queue-position advantages visibility provides.
Can I avoid or reduce the Bitfinex funding fee?
No — it is the platform’s revenue on the funding market and applies to everyone, bot or not. What you can control is the layer on top: whether your automation charges a second percentage of the same earnings, and whether your strategy earns a gross rate high enough to be worth 85% of.
What does it cost to move money onto Bitfinex?
Crypto and stablecoin deposits are free (you pay the network fee only). Bank wires cost 0.1% with a $60 minimum for deposits and $100 minimum for withdrawals; express withdrawals cost 1% (min $125). Figures verified July 10, 2026 — check the official page before a large transfer.
See your net number, not the brochure number
The calculator projects strategy returns net of the 15% fee on three years of real funding data, and the earnings reports reconcile every fee deduction against the Bitfinex ledger. Gross rates are for marketing; you get paid net.