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How to Buy and Sell Stellar (XLM) on Binance? Step-by-step Guide
Author: Emre Ata
Last updated: October 6, 2026
Buying and selling Stellar (XLM) on Binance starts with a verified account, a supported funding method, and an understanding of trading orders. Before your first transaction, it is also useful to compare fees, secure your account, and learn why XLM transfers may require a memo.
This beginner guide explains the process step by step, including Binance Spot trading fees and eligible referral opportunities through CRYPTOFEE20, FUTURESFEE20, 19800BONUS20, and BESTCODEMAX2.
Quick Answer: How Do You Buy and Sell XLM on Binance?
To buy Stellar on Binance, register, complete identity verification, fund your account, and open an available XLM Spot pair. Select Buy, choose a market or limit order, enter your amount, and confirm. To sell XLM, open the trading pair, select Sell, enter your quantity, and submit the order.
Available pairs, payment methods, and account features depend on your region.
What Is Stellar (XLM)?
Stellar is a blockchain network that supports value transfers, digital asset issuance, and smart contracts. Its native asset, the lumen, uses the ticker symbol XLM.
XLM is used to pay Stellar network transaction fees and satisfy account minimum balance requirements. These functions support network operations, but they do not guarantee that XLM will increase in value.
Buying XLM also does not give you shares in the Stellar Development Foundation. Its investment performance depends on market demand, liquidity, adoption expectations, and broader cryptocurrency conditions. YouTube video:
Binance Square video: https://www.binance.com/square/post/374336265293130
Binance Referral Codes and Registration Links
Before registering, check the referral benefits Binance displays for your chosen code.
Referral code | Intended use |
CRYPTOFEE20 | Main code for checking eligible Spot and Futures commission cashback |
FUTURESFEE20 | Alternative for checking eligible Futures referral benefits |
19800BONUS20 | Code for exploring eligible welcome reward opportunities |
BESTCODEMAX2 | Alternative for checking eligible Spot referral benefits |
If Binance confirms 20% commission cashback, the benefit applies to qualifying trading fees. It does not mean you receive XLM at a 20% lower market price.
Use one applicable code during registration. Benefits depend on account eligibility, location, product, and current program conditions.
Registration links:
Affiliate disclosure: I may earn commission from qualifying activity through these referral links.
Step 1: Open and Verify Your Account
Register using an email address or phone number you control. Create a unique password and confirm that your referral code appears correctly.
Complete identity verification, also known as KYC. Depending on your location, Binance may request an accepted identity document and a facial verification check.
Follow the instructions shown in your account. Verification requirements and processing times can differ between users.
Step 2: Enable Account Security
Before depositing funds, enable a supported authenticator or passkey. Review your anti-phishing code and withdrawal security options.
Secure your email account too, because it may be used for login alerts and account recovery.
Never share passwords or authentication codes with someone claiming to provide support. Avoid entering account information through unexpected messages or advertisements.
Step 3: Add Funds to Binance
Choose a funding method available in your account. This may include a bank transfer, card payment, or cryptocurrency deposit.
Compare the final amount you receive after payment and currency conversion charges. The Spot trading fee alone does not describe the total cost of every purchase method.
If depositing cryptocurrency, select a network supported by both platforms.
Important: XLM Deposits and Memos
When Binance provides an XLM deposit address and a required memo, enter both correctly on the sending platform.
The memo helps Binance identify the account that should receive the deposit. A correct address with an incorrect or missing memo can still cause crediting problems.
Check every detail and consider a small test transfer before sending a larger amount.
Step 4: Buy Stellar on Binance Spot
Open the Binance app or website.
Enter the Spot trading section.
Search for XLM.
Choose an available pair, such as XLM/USDT, where supported.
Select Buy.
Choose your order type and enter the amount.
Review the details and submit your order.
A market order executes against available liquidity. Its average execution price may differ from the price initially displayed.
A limit order sets the maximum price you are willing to pay. It may remain open if the market does not reach your selected price.
Check your order history to confirm whether the purchase was fully completed.
Step 5: Sell Stellar on Binance
Open a supported XLM trading pair and select Sell. Enter your quantity, choose a market or limit order, and confirm after reviewing the details.
Selling XLM through XLM/USDT credits USDT when the order executes. It does not automatically transfer local currency to your bank.
For a bank withdrawal, use an available fiat conversion and withdrawal method. Review its fees, minimum amounts, and processing time.
If part of your XLM balance is unavailable, check whether an open order has reserved it.
Binance Fees for Buying and Selling XLM
At the October 6, 2026 check, Binance’s public Spot schedule listed these regular-user standard rates:
Spot fee setting | Maker | Taker |
Standard trading fee | 0.10% | 0.10% |
Eligible BNB fee payment | 0.075% | 0.075% |
Eligible BNB payment provides a 25% reduction from the standard Spot rate. Enable the relevant setting and maintain sufficient BNB to cover fees.
Your actual fees can differ because of VIP status, account conditions, or pair-specific promotions.
A maker trade adds liquidity by resting in the order book. A taker trade executes against existing liquidity. A limit order is not automatically a maker trade.
Example: $1,000 Purchase and $1,000 Sale
Scenario | Purchase cost | Sale cost | Combined cost |
Standard 0.10% fee | $1.00 | $1.00 | $2.00 |
Confirmed 20% fee cashback | $0.80 net | $0.80 net | $1.60 net |
Eligible BNB payment | $0.75 | $0.75 | $1.50 |
These examples exclude spreads, slippage, funding charges, and withdrawals. Cashback may be credited separately. Confirm the applicable conditions before assuming referral cashback and BNB savings combine.
XLM Spot Trading vs. Futures
Spot trading purchases XLM. Futures trading provides exposure through a derivative contract without buying withdrawable lumens.
Binance’s Futures FAQ illustrates regular-user fees of 0.02% maker and 0.05% taker. Check your live contract fee before trading. Eligible BNB payment provides a 10% USDⓈ-M Futures fee discount.
Futures also introduces liquidation risk and possible funding payments.
Welcome Rewards With 19800BONUS20
Check 19800BONUS20 for available welcome missions. If Binance displays an Affiliate-Boosted package worth up to $19,800, review the requirements carefully.
Rewards can depend on deposits, trading milestones, deadlines, and account eligibility. The advertised maximum is conditional rather than guaranteed cash for signing up.
Frequently Asked Questions
Can I buy a small amount of Stellar on Binance?
Yes, if your order meets the selected pair’s current minimum requirements.
Do I need identity verification?
Complete the verification required for the Binance services available in your region.
Does selling XLM send money directly to my bank?
No. A Spot sale credits the quote asset. Fiat withdrawal requires a separate supported process.
Is Binance’s XLM withdrawal fee the same as Stellar’s network fee?
No. Binance displays its withdrawal charge separately before confirmation.
Does every XLM transfer require a memo?
Follow the receiving platform’s instructions. Include a memo whenever the destination requires one.
Is Stellar a guaranteed profitable investment?
No. XLM can lose value. Consider your budget, time horizon, and ability to tolerate losses before buying.
Editor’s note: Understand your order, total costs, and exit plan before trading. This article is educational and does not constitute personalized investment advice.
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