How to Use Binance AI Pro: Who Can Activate It, the 9.99 USDC Monthly Fee, and AI Account Permissions
Binance AI Pro is the conversational AI assistant inside the Binance app and website. You describe what you want in plain language, and it helps with research reports, market monitoring, alerts and signals, and can also run automated trading in a separate "AI strategy account." This page follows the order you'd deal with things in: who can use it, how the free Basic Plan differs from 19.99 USDC Premium, how billing and cancelling work, which funds a strategy account can touch, and what happens to your positions after you cancel.
1. What AI Pro is and how it relates to your main account #
AI Pro is a conversational agent platform: you describe a goal in natural language, and it helps you plan, build and manage research reports, market monitoring, alerts, trading signals and automated trading workflows. It doesn't trade in your main account. Automated trading runs in a dedicated virtual sub-account that Binance calls an "AI strategy account," kept separate from the main account.
- A strategy account can only run strategies generated by AI Pro. It's created when you deploy a strategy, and can't be linked to an account or sub-account you already have.
- You can have up to 10 strategy accounts; stopping an active strategy frees its account for reuse.
- The API key is generated and bound by Binance's system. You don't manage it, and you can't use your own.
- Strategy accounts don't support Portfolio Margin mode.
You can also use it without trading: ask it for market analysis and leave live trading alone.
So whatever you transfer into a strategy account is everything the AI has to work with. Move in only the part you're willing to let it handle, and leave the rest in your main account.
2. Before you start: who can use it, where, and how you pay #
- Main account only. Sub-accounts can't use AI Pro.
- Default plan: the first time you enter Binance AI Pro, your account is automatically put on the free Basic Plan. There's nothing to pay.
- Devices: it's currently available on iOS, Android and the Binance website.
- Region: some regions are restricted, and whether products such as spot and futures are available depends on your country of residence and local regulation.
- Payment: upgrading to Premium is Binance Pay only; fiat isn't supported. Make sure your Binance Pay can pay before you upgrade.
3. Free Basic vs 19.99 USDC Premium: the differences and how billing works #
| Basic Plan | Premium Plan | |
|---|---|---|
| Price | Free | 19.99 USDC a month |
| Monthly credits | 250,000 | 10 million |
| Models | Default model only | All listed models, including frontier Claude and GPT models |
| Credit packs | Not available | Can be bought; used only after the monthly credits run out |
- Prices can change: Binance says pricing may be subject to changes, so go by what AI Pro shows you when you upgrade.
- Billing: you're charged once when you upgrade to Premium, then on the same date each month. The next payment date is on the AI Pro settings page; you're notified 2 days before renewal, and again if a payment fails.
- No refunds: cancelling Premium doesn't get you a refund, and neither does a blocked account.
What happens if a renewal payment fails
If your Binance Pay balance is too low at renewal, you're reminded to top up, and the system tries to charge you once a day for the next 3 days. If it still can't, your account goes back to the free Basic Plan. Strategies that are already running aren't affected, but they may stop once the Basic Plan credits are used up. In any month where you hold positions, check before the payment date that your Binance Pay balance covers the fee.
If you activated the Beta (now Legacy) before 19 October 2026
The original beta is now called Binance AI Pro Beta (Legacy). It's still available on the website with the same features and subscription, and you can use the new version straight away. The app has an optional migration that gives you credits equal in value to what you bought on the Beta without affecting the Beta subscription; funds in the old strategy accounts aren't shared with the new version. Binance Academy's beta-era guide describes a first-time discounted price of $9.99 a month followed by $29.99 a month, a 7-day free trial on first activation, and strategies being terminated and positions in the AI account closed when you cancel or the subscription expires, which is the opposite of the new version, where positions stay open at period end. If you're on Legacy, your Legacy subscription is what applies, and the details shown in your account take precedence.
4. Which models each plan can use, and how credit packs are drawn down #
The Basic Plan uses the default model only. Premium can use every model listed in AI Pro, and Binance names frontier Claude and GPT models among them; which ones you can pick is whatever your account lists.
If Premium's 10 million monthly credits aren't enough, you can buy credit packs on top:
- A credit pack is a separate balance and doesn't reset each month.
- It expires 12 months after purchase.
- Your monthly credits are used first; the pack is only drawn on once they run out.
- Only Premium can buy packs; Basic can't.
What to watch when credits are running low
Binance says that after a fall back to Basic, strategies carry on, but they may stop once the Basic credits are used up. If a strategy account holds positions or open orders, don't wait for credits to hit zero: deal with the positions ahead of time, or top up with a credit pack on Premium.
Choosing a plan is simple. Use the Basic Plan the way you normally would for a while and see whether 250,000 credits and the default model are enough; upgrade only if they aren't.
5. Strategy account permissions and fund transfers #
- Permissions: Spot and USDS-M Futures. Where your country of residence carries a regulatory restriction, some permissions are locked and you can't change them.
- Getting funds in: you transfer from your main account to the strategy account's spot wallet, and only between your own accounts.
- The AI cannot withdraw or transfer funds to external addresses.
- Getting funds out: money in a strategy account can be moved back to your main account at any time, and you can use the account switcher to handle leftover positions or funds yourself.
USDS-M futures are leveraged, so a misread instruction costs far more than it would on spot. Decide how much to move into a strategy account, and whether to let it trade spot or futures, based on the loss you can actually absorb.
6. After you cancel Premium: what happens to strategies and positions #
Premium can stop renewing in two ways. They take effect at different times and treat your strategies differently:
| Situation | When it takes effect | Strategies and positions |
|---|---|---|
| You cancel Premium on the AI Pro settings page | Only the next payment cycle is stopped; it keeps running until the current billing period ends, with no refund | When the period ends, all active AI strategies stop and open positions remain open |
| Renewal payments keep failing | After the top-up reminder, one charge attempt a day for 3 days, then back to the Basic Plan | Strategies aren't affected, but may stop once the Basic credits are used up |
Cancelling doesn't mean stopping right away: for the rest of the current period, your strategies are still trading. When the period ends and they stop, the positions are still sitting in the strategy account, still moving with the market, and the system won't close them for you.
Once the period is over, go to [Sub Account Management] - [Asset Management] to manage those positions and transfer the remaining funds back to your main account. Beta (Legacy) subscriptions taken out before 19 October 2026 follow different cancellation rules; see the end of section 3.
7. Is it worth it? Run the numbers yourself #
The Basic Plan costs nothing, so start there. When it comes to upgrading, only a few quantities can actually be checked: the 19.99 USDC Premium fee, its 10 million monthly credits, and how often and how much you trade. Three sums follow from them:
- The fee as a share of your capital: 19.99 ÷ the amount you plan to move into the strategy account. On 500 USDC the fee is about 4% a month; on 5,000 USDC, about 0.4%. That percentage is a fixed cost you have to earn back every month before anything else.
- The cost per action: 19.99 ÷ the number of times a month you expect it to execute something. At 10 a month, that's about 2 USDC each; at only 2 a month, about 10 USDC each.
- The cost over a year: assuming 12 months at today's monthly price, 19.99 × 12 = 239.88 USDC. That's simply the monthly price multiplied out, not an annual plan, and Binance says pricing may be subject to changes. If the monthly credits run short, add any credit packs you buy.
Cancelling Premium brings no refund; the month you've paid for runs to the end of the period. So get to know how you'd use it on the Basic Plan first, and upgrade only once the default model and 250,000 credits are clearly not enough. If you only want market analysis and don't plan to let the AI place orders, Basic may be all you need.
These sums only tell you what the tool costs. Whether a strategy makes money is a separate question, and a low monthly fee doesn't make the trading profitable.
We take part in Binance's referral programme. The button opens the binance.com sign-up page; AI Pro has to be activated from a main account.
8. FAQ #
Is Binance AI Pro free? How much is Premium per month?
The Basic Plan is free, with 250,000 credits a month and the default model only; it's what you're on the first time you enter AI Pro. Premium is 19.99 USDC a month with 10 million credits and access to all listed models; Binance says pricing may be subject to changes. Cancelling Premium doesn't get you a refund.
Can I use AI Pro on an iPhone?
Yes. Binance says it's currently available on iOS, Android and the Binance website.
Can I choose whether it uses ChatGPT or Claude?
The Basic Plan uses the default model only. Premium can use all listed models, which Binance says include frontier Claude and GPT models; which ones you can pick is whatever AI Pro lists.
What happens when my credits run out?
On Premium, once the monthly credits are used up you can carry on with credit packs you've bought; a pack is a separate balance, doesn't reset monthly and expires after 12 months. On the Basic Plan, strategies may stop once the credits are used up.
Can the AI withdraw my coins?
No. Binance says the AI cannot withdraw or transfer funds to external addresses; funds only move between your own accounts and can be moved back to your main account at any time. What it can use is the money you've transferred into the strategy account.
After I cancel Premium, what happens to the money and positions in the strategy account?
Cancelling only stops the next payment cycle; it keeps running until the current billing period ends, and what you've paid isn't refunded. When the period ends, all active AI strategies stop and open positions remain open; go to [Sub Account Management] - [Asset Management] to manage them and transfer the remaining funds back to your main account.
— PromptDeck, published 2026-05-22, revised 2026-10-24
Further reading: Binance Features: Automation, AI and Megadrop ｜ a 30-day evaluation method for AI and manual execution