How to Use Binance Auto-Invest for Monthly DCA

To set up monthly dollar cost averaging on Binance, go to Convert on the Binance app or website, switch to the Recurring tab (this is what most people still call Auto-Invest), pick a coin and a funding asset, set the amount and choose Monthly as your cycle, then confirm. Your first purchase happens right away and every future purchase happens automatically on the same date each month. If you're in the United States, you'll do this on Binance.US instead, under a feature called Auto-Buy, since Binance.com does not serve US residents.

That's the short version. The rest of this guide covers the parts that actually trip people up: the name change nobody explains, what it really costs, whether it works in your country, and the mistakes that quietly cost people money.

Key takeaways

• Binance retired the original Auto-Invest product on 31 March 2025. Single coin and portfolio plans now run through a feature called Convert Recurring. Only the Index-Linked Plan kept the old Auto-Invest name and location.
• There's no separate line item fee anymore. Convert Recurring trades execute at a quoted price that already has any cost built into it, so you compare the quote on screen instead of checking a fee percentage.
• Monthly, weekly, biweekly, daily, and even hourly cycles are all available. Monthly is just one setting among several.
• US residents use Binance.US, a separate company with a separate product called Auto-Buy. It is not the same tool and has different minimums, coins, and state restrictions.
• Canada has no legal access to Binance at all since 2023. UK and Australian users can generally still use it for spot DCA, with some caveats explained below.
• Crypto you buy through Auto-Invest lands in your Spot Wallet. It does not automatically earn interest anymore unless you separately turn on Simple Earn's Auto-Subscribe feature.

What Binance Auto-Invest actually is right now

Here's the thing almost every guide on this topic gets wrong, because it hasn't been updated since 2023 or earlier: Binance Auto-Invest, as a standalone product, doesn't fully exist anymore.

Binance's own support documentation confirms the change. Auto-Invest was merged into a feature called Convert Recurring, and the migration was completed after 31 March 2025. If you visit binance.com/en/auto-invest today, you get redirected straight into the Convert page with the Recurring tab already open. The word "Auto-Invest" still shows up in Binance's website footer and in a lot of marketing copy, which is exactly why the confusion persists. Under the hood, though, your monthly DCA plan is a Convert Recurring subscription.

There's one exception. The Auto-Invest Index-Linked Plan, which buys a basket of the top ten cryptocurrencies by market cap and rebalances it monthly, was not folded into Convert Recurring. It kept its original name and still lives under the Earn menu.

Can You Even Use Binance From Where You Live? read more...

So in practice, "Binance Auto-Invest" today means one of two things:

1. A Convert Recurring plan (single coin or a multi-coin portfolio you build yourself). This is what almost everyone searching for "Binance Auto-Invest monthly DCA" actually wants.
2. The Auto-Invest Index-Linked Plan, a separate, more specific product that tracks a fixed index rather than coins you choose.

Both accomplish the same underlying goal: you set a fixed amount, a schedule, and Binance buys crypto for you automatically without you touching a chart.

Why does this matter beyond trivia? Because if you go looking for "Auto-Invest" in the Earn tab expecting the old single and portfolio plan setup from 2022, you won't find it in the same place, and older screenshots and tutorial videos will not match what you see on screen. Knowing the current name and location saves you ten minutes of confused clicking.

Is Binance Auto-Invest available where you live?

This is the part most articles skip entirely, and it matters more for crypto exchanges than for almost any other financial product because the regulatory map keeps shifting.

Country/Region	Current access	What to know
United States	Not on Binance.com. Use Binance.US instead.	Binance.US runs a separate product called Auto-Buy, not Auto-Invest. Coin selection, minimums, and fees differ. Several states, including New York, Texas, and Vermont, are not supported at all.
United Kingdom	Existing verified users can generally still use Binance.com for spot products, including Convert Recurring.	Binance stopped onboarding new UK users in October 2023. No Binance entity is FCA authorized for UK regulated activity, so there's no Financial Ombudsman or FSCS protection if something goes wrong. Derivatives are blocked, but spot DCA is not.
Canada	Not available.	Binance fully exited the Canadian market in 2023 after new provincial securities rules made it unworkable for them. Existing accounts were moved to withdrawal only. There is no legal path to opening a new Binance.com account from Canada.
Australia	Available for spot products through Binance's AUSTRAC registered local entity.	Binance's Australian derivatives license was canceled by ASIC in 2023 after regulatory failures, but that only affects crypto derivatives and futures. Spot buying and Auto-Invest style DCA are unaffected.

A general pattern worth remembering: almost every restriction Binance has faced in the last three years has hit derivatives and futures products, not plain spot buying. Auto-Invest and Convert Recurring are spot products. That's why they've mostly kept working in places where leveraged trading got shut down.

If you're unsure about your own situation, check Binance's official list of supported countries and, if you're American, the Binance.US supported states page, before you fund an account. Rules change, and the safest move is to verify current status rather than trust a screenshot from last year, including this one.

Setting up a monthly DCA plan on Binance.com (step by step)

This walks through a single coin plan, which is what most beginners want. The portfolio and index-linked variations are covered right after.

Step 1: Open Convert and switch to Recurring. Log in, go to Trade, then Convert & Block Trade. At the top of the Convert page you'll see three modes: Instant, Limit, and Recurring. Tap Recurring.

Step 2: Choose what you're buying and what you're paying with. Pick the crypto you want to accumulate, for example BTC or ETH, and the asset you'll fund it with. Most people use a stablecoin like USDT or USDC, but Binance also supports funding with fiat currencies, credit or debit cards, and even other cryptocurrencies depending on your region.

Step 3: Enter the amount per purchase. This is the fixed dollar (or other currency) amount that gets spent every cycle. Start with a number that genuinely would not hurt if the market dropped 40% tomorrow. There is no universal "correct" amount. What matters is that it's sustainable enough that you won't panic and cancel the plan during a downturn, which defeats the entire point of dollar cost averaging.

Step 4: Set the cycle to Monthly. You'll see options for hourly, daily, weekly, biweekly, and monthly. Select Monthly, then pick the specific day of the month and the time of day the purchase should run. Picking a day right after your paycheck typically lands, like the 1st or the 15th, keeps the plan easy to fund without thinking about it.

Step 5: Review the preview. Before you confirm, Binance shows you a preview quote, the exact rate you'd get if you executed right now. This quote briefly locks in place so you can review it. Look at this number. It's your only real window into what you're actually paying, since there's no separate fee line to check.

Step 6: Confirm. Confirming creates the plan and executes the first purchase immediately. Every future purchase happens automatically at your chosen time, funds permitting, until you pause or cancel it.

Step 7: Check where your coins landed. Purchased crypto is delivered to your Spot Wallet. It sits there earning nothing by default. If you want it to earn yield, you have to separately opt into that (covered below).

Setting up a portfolio (multi-coin) plan

If you'd rather DCA into several coins at once instead of managing five separate single-coin plans, use the multi-asset option inside the same Recurring flow.

1. In the Convert Recurring screen, look for a Multi-Assets or portfolio option rather than a single coin.
2. Add coins manually, or use an auto-populate option if Binance offers a suggested basket in your region.
3. Assign a percentage weighting to each coin. The total has to add up to 100%.
4. Set your funding asset, amount per cycle, and Monthly frequency exactly as you would for a single coin plan.
5. Review and confirm.

A common setup is something like 60% BTC, 30% ETH, and 10% split across one or two smaller coins, but the right mix depends entirely on your own risk tolerance and how much research you've done on those specific assets. Don't copy someone else's allocation just because it showed up in a video with a lot of views.

Setting up the Auto-Invest Index-Linked Plan

If you specifically want exposure to the top ten cryptocurrencies by market cap without picking coins yourself, this is the tool built for that, and it still lives under its original name.

1. From the Earn menu, find Auto-Invest, then select the Index-Linked Plan.
2. Review the index composition. It tracks the Binance CoinMarketCap Top 10 Equal-Weighted Index, meaning all ten assets start out equally weighted at 10% each.
3. Choose your funding stablecoin and the amount per cycle.
4. Pick your recurring schedule, including Monthly.
5. Confirm, and read the plan notes carefully. This plan works differently from a portfolio plan you build yourself: the ten holdings rebalance back to equal weighting once a month automatically, and the underlying assets are held in a custodian account rather than delivered straight to your personal spot wallet the way single and portfolio plan purchases are.

That custodial detail matters. With the Index-Linked Plan you're holding a claim on a managed basket, not directly holding ten separate coins in your own wallet the way you would with a self-built portfolio plan. If direct ownership of each coin matters to you, the multi-asset Convert Recurring portfolio plan is the better fit, even though it requires you to rebalance manually if you want to.

If you're in the US: setting up Auto-Buy on Binance.US

Binance.com is not available to US residents. Binance.US is a separate, independently operated company, and its recurring purchase tool is called Auto-Buy, not Auto-Invest. The steps are similar in spirit but happen in a different app with different limits.

1. On the Binance.US app or website, tap Buy and switch to Auto-Buy.
2. Choose the cryptocurrency you want to buy on a recurring basis. Binance.US supports a smaller coin list than the global Binance.com platform.
3. Enter your purchase amount and payment method. Binance.US allows purchases from as little as $1.
4. Set your frequency, including options like weekly, monthly, or specific dates such as the 1st and 15th.
5. Confirm. Your first purchase runs immediately, and later ones repeat on schedule.

One detail that catches people off guard: if you fund purchases with ACH bank transfer, a debit card, or Apple Pay, Binance.US holds the purchased crypto's USD value for 7 days before it can be withdrawn, even though it appears in your account right away and is usable on the platform. And check your state first. As of the most recent Binance.US update, states including New York, Texas, Vermont, Connecticut, Ohio, Oregon, and Washington are not supported at all, and Kansas and Wisconsin are crypto only, meaning you can't fund with USD there. State support changes fairly often, so check Binance.US's own supported states list before you sign up rather than relying on a list from a blog post.

Single plan, portfolio plan, or index-linked plan: which one fits?

	Single Coin (Convert Recurring)	Portfolio (Convert Recurring)	Index-Linked Plan
What it buys	One coin you pick	Up to 10 coins you pick and weight	Fixed top 10 market cap basket
Rebalancing	None, you just keep buying	Manual, you decide if and when	Automatic, monthly
Where your crypto sits	Your Spot Wallet	Your Spot Wallet, split by coin	Custodian account
Where to find it	Convert, Recurring tab	Convert, Recurring tab, Multi-Assets	Earn menu, Auto-Invest
Best for	Someone with a specific coin conviction, like BTC only	Someone who wants a custom mix without ten separate plans	Someone who wants broad exposure and doesn't want to pick winners

What it actually costs

This is the single most misunderstood part of Auto-Invest today, so it's worth slowing down here.

Under the old Auto-Invest product, Binance charged an explicit fee on top of the quoted price. That changed with the move to Convert Recurring. Binance's own FAQ states plainly that Convert Recurring has no additional fee beyond the quoted price you see before confirming.

That sounds like "it's free," and in one narrow sense it is: there's no separate percentage deducted after the fact the way there is with a standard spot market order. But "no additional fee" does not automatically mean "the cheapest possible execution." Binance Convert works off a quoted price rather than the live order book, and quoted prices for instant conversion tools generally build their cost into a spread between the quote and the live mid market price, rather than showing it as a separate charge. Binance does not publish a fixed spread percentage for Convert Recurring, so you can't calculate the exact cost the way you can with a stated 0.1% trading fee.

Here's how to think about it in practical terms, with real numbers.

For comparison, Binance's standard spot trading fee for a regular retail account is 0.1% on both the maker and taker side, dropping to 0.075% if you pay fees using BNB. If you manually DCA'd $200 into BTC every month for a year using a regular spot market order instead of Auto-Invest, your total trading fees on $2,400 of purchases would come out to roughly:

• $2.40 for the year at the standard 0.1% rate
• $1.80 for the year at the 0.075% BNB discounted rate

That's the explicit, published cost of manual DCA through the spot order book. On amounts this small, that fee is close to irrelevant either way.

With Convert Recurring, you won't see a number like that. Instead, compare the quoted execution price shown in your Auto-Invest preview against the live spot price for the same coin at that exact moment, which you can check on Binance's regular trading page in a second tab. If the quote is noticeably worse than the live price, that gap is your real cost, whatever it's called. In practice, for large, liquid coins like BTC and ETH, that gap tends to be small. For thinner, less liquid coins, it can be wider, so it's worth spot checking occasionally, especially the first time you set up a new plan.

Binance also runs a Convert Recurring Rebate Program periodically, which pays a small cashback in USDC based on your monthly recurring investment size and how many consecutive months you've kept a plan active. Program terms and dates change, so treat any specific numbers you see quoted online as temporary, and check the current terms on Binance's announcements page before assuming a rebate applies to you.

A worked example of how DCA smooths your cost

To see why monthly DCA works the way it does, walk through a simple, fully hypothetical scenario. These are made up round numbers for illustration only, not real historical prices.

Say you commit $200 a month to Bitcoin for three months, and the price happens to move around like this:

• Month 1: BTC at $60,000 → $200 buys 0.003333 BTC
• Month 2: BTC at $50,000 → $200 buys 0.004000 BTC
• Month 3: BTC at $70,000 → $200 buys 0.002857 BTC

Total invested: $600. Total BTC bought: about 0.010190 BTC.

Your average cost per BTC comes out to $600 ÷ 0.010190, or roughly $58,880 per coin.

Compare that to the simple average of the three prices, which is ($60,000 + $50,000 + $70,000) ÷ 3 = $60,000. Your actual average cost, $58,880, is lower than the simple price average, because you automatically bought more coins in the month the price dipped and fewer in the months it spiked. That's the entire mechanical benefit of DCA in one example. It doesn't guarantee a profit and it doesn't protect you if the price only goes down for the whole period, but it does stop you from accidentally putting your entire month's worth of buying into the single worst possible day.

Managing an existing plan

You are not locked into a plan once it's running.

• Pause: You can pause a Convert Recurring or Index-Linked plan from your plan management screen without canceling it, which is useful if you know you'll be short on funds for a cycle or two.
• Edit: You can typically change the amount, the funding asset, or the schedule on an existing plan rather than deleting it and starting over. Check the plan detail screen for an Edit option.
• Cancel: Canceling stops all future purchases immediately. Coins you've already bought stay exactly where they are, they don't get sold or reversed.
• Multiple plans: You can run more than one plan at a time, for example a monthly BTC plan and a separate weekly ETH plan, as long as each one is funded when its turn comes up.
• Skipping a single cycle: Neither Convert Recurring nor Binance.US Auto-Buy currently lets you skip one specific occurrence while leaving the plan otherwise untouched. If you don't want a given month's purchase to happen, you need to pause the whole plan before that date and resume it afterward, or make sure the funding wallet is empty so the purchase simply fails (see below for what happens then).

Common mistakes people make with Auto-Invest DCA

Funding the wrong wallet. Convert Recurring pulls from your Spot Wallet (or Funding Wallet, depending on setup) at the moment your cycle runs. If your stablecoin balance is sitting in Earn, a P2P wallet, or hasn't landed yet from a bank transfer, the purchase can fail or get delayed. Keep your funding source stable and check it a day or two before your scheduled purchase date, especially the first month.

Treating "monthly" as "set and forget forever." A monthly plan still needs occasional maintenance. Prices change enough over a year that a fixed dollar amount which felt comfortable in January can feel very different in December if your income or expenses shift. Revisit the amount every few months rather than assuming it's permanently correct.

Canceling during a crash. The entire mathematical benefit of DCA depends on continuing to buy when prices are low, not just when they're rising. Pausing or canceling a plan the moment the market drops undoes the strategy's main advantage. If a downturn genuinely changes your financial situation, reducing the amount is usually a better move than canceling outright.

Assuming Auto-Invest automatically earns yield. Under the original 2021 version of Auto-Invest, purchased coins were deposited straight into Flexible Savings for you. That auto-linkage is gone under Convert Recurring. Your coins now land in your ordinary Spot Wallet and sit there earning nothing unless you separately turn on Simple Earn's Auto-Subscribe feature (see the next section).

Not checking the quote before confirming. Because there's no explicit fee line to glance at, some users assume every recurring buy executes at a great price by default. It usually does for major coins, but it's worth a quick sanity check against the live spot price, especially for less liquid tokens or right after you first set up a plan.

Overcomplicating a portfolio plan on day one. Spreading $50 a month across eight different coins means each individual position grows so slowly it's hard to tell if the strategy is even working. Starting with one or two coins and adding more later, once the monthly amount is large enough to matter across more positions, tends to be easier to stick with.

Confusing Auto-Invest with Recurring Buy. Binance historically ran two separate recurring purchase tools: Auto-Invest (funded only by stablecoins) and Recurring Buy (funded by fiat, card, or bank transfer, typically tied to the Buy Crypto section). Both have now largely converged into the same Convert Recurring experience, but if you're reading an older guide or forum post, it may describe them as if they're still two completely separate products with different rules. Treat anything written before 2025 about "Auto-Invest vs Recurring Buy" as historical context, not current instructions.

Questions other guides don't answer well

What happens if I don't have enough funds when a purchase is scheduled? The scheduled purchase simply fails to execute for that cycle. It does not go into debt, borrow on margin, or retry automatically at a worse price a few hours later. Your plan stays active and will attempt the next scheduled purchase as normal. Repeated failures don't cancel the plan on their own, but they also don't make up for the missed purchase, so check your funding balance if you notice a gap in your purchase history.

Is my crypto actually safe sitting in Auto-Invest between purchases? For single and portfolio Convert Recurring plans, your coins are held in your normal Spot Wallet, the same wallet used for regular trading, subject to the same custody arrangement as any other crypto you hold on the exchange, meaning Binance holds it on your behalf rather than you controlling a private key. For the Index-Linked Plan specifically, your holdings sit in a custodian account rather than your personal spot wallet, which is a meaningfully different arrangement. Either way, this is exchange custody, not self custody. If you want your Auto-Invest purchases to end up in a wallet only you control, you'll need to withdraw them manually to an external wallet, which Auto-Invest itself does not do for you automatically.

Does DCA through Auto-Invest count toward my VIP fee tier or trading volume? Binance's VIP tier system is based on 30-day trading volume across spot and other eligible products. Regular recurring purchases do add to that volume over time, but the amounts involved in a typical personal DCA plan are usually far too small to meaningfully move you up a VIP tier on their own. Don't set up Auto-Invest purely as a fee tier strategy.

Is monthly better than weekly or daily DCA? There's no universal right answer, and honestly this depends on your own cash flow more than the markets. Monthly aligns naturally with a paycheck for most people, which makes it easier to sustain for years, and consistency matters more to long term outcomes than the exact interval. Weekly or biweekly plans buy more often in smaller chunks, which smooths short term volatility slightly more but requires funds to be available more frequently. If your income arrives monthly, a monthly plan that you'll actually keep funded beats a weekly plan you eventually neglect.

Is DCA actually better than investing a lump sum all at once? Historically, in markets that trend upward over long periods, investing a lump sum immediately has, on average, outperformed spreading the same amount out over time, simply because more of the money is exposed to growth for longer. DCA's real advantage isn't that it mathematically beats lump sum investing on average. It's behavioral: it removes the pressure of picking a single entry point, and it lets you invest money you don't have all at once yet, like a portion of each paycheck. If you already have a lump sum sitting in cash and are only avoiding investing it because you're nervous about timing, that's a different decision than using DCA to invest new income as it arrives, and it's worth thinking about which situation actually applies to you.

Honest limitations

Auto-Invest and Convert Recurring are convenience tools, not guarantees. A few things worth being upfront about:

• DCA does not protect you from a sustained downturn. If an asset's price simply declines for years, buying smaller amounts along the way reduces your average cost compared to a single bad lump sum entry, but it does not turn a loss into a gain.
• The lack of a visible fee line makes cost comparison harder, not easier. You're trusting the quoted price rather than checking a transparent percentage, which is a real tradeoff even if the price itself is usually reasonable for major coins.
• Regulatory status can change with little warning. Canada's experience in 2023, where Binance exited the market within months of new guidance, is a reminder that "available today" is not the same as "guaranteed available next year," anywhere.
• Automation can dull your attention. Because the whole point is to not think about it, it's easy to go a year without checking whether the plan, the amount, or the coin selection still matches your actual goals.

Taxes and record keeping

Every purchase your Auto-Invest plan makes creates a new cost basis lot, the price you paid for that specific slice of crypto at that specific moment. Over twelve monthly purchases, you end up with twelve separate lots, not one. When you eventually sell, swap, or spend any of that crypto, most tax authorities treat it as a disposal event, and you generally need to know which lot (or lots) you're disposing of to calculate the gain or loss correctly.

This gets complicated fast if you're doing it by hand, which is why most active DCA users end up using a dedicated crypto tax tool or working with an accountant who's familiar with crypto specifically, rather than trying to track 12, 24, or 60 individual purchase lots in a spreadsheet.

A brief, general overview by country, none of which should substitute for professional advice given how often these rules change:

• United States: Crypto is treated as property. Each disposal can trigger capital gains or losses, generally taxed differently depending on whether you held that specific lot for more or less than a year.
• United Kingdom: HMRC treats most crypto disposals as subject to Capital Gains Tax. For the 2026/27 tax year, the annual tax free allowance for capital gains is £3,000, a sharp reduction from previous years, after which gains are typically taxed at 18% or 24% depending on your income band.
• Canada: The Canada Revenue Agency generally treats crypto gains as capital gains, with 50% of the gain included in your taxable income, though frequent or business-like trading patterns can sometimes push activity into fully taxable business income instead.
• Australia: The ATO generally treats crypto disposals as CGT events, and assets held for more than 12 months before disposal can qualify for a 50% CGT discount for individuals.

Since Auto-Invest deliberately creates many small purchases rather than one big one, good record keeping matters more here than it does for a single lump sum trade. Export your transaction history periodically rather than trying to reconstruct a year of monthly purchases from memory at tax time.

FAQ

Is Binance Auto-Invest free? There's no separate percentage fee charged on top of the quoted price, since it runs through Convert Recurring. The cost, if any, is built into the quoted execution price itself rather than shown as a line item, so "free" is only accurate in a narrow sense.

What's the difference between Auto-Invest and Recurring Buy? Historically Auto-Invest only accepted stablecoin funding while Recurring Buy accepted fiat, cards, and bank transfers. Both have largely merged into the same Convert Recurring experience today, so the distinction mostly only matters when reading older articles or forum threads.

Can I do Auto-Invest with just $10 or $20 a month? Yes, on Binance.com the minimum depends on the specific coin pair and is shown before you confirm a plan. On Binance.US, Auto-Buy allows purchases starting from $1.

What happens to my plan if I don't have enough balance for a scheduled purchase? That cycle's purchase simply doesn't execute. The plan itself stays active and will try again on the next scheduled date, it doesn't cancel automatically just because one purchase was missed.

Can I skip just one month without canceling my whole plan? Not directly. Neither Convert Recurring nor Binance.US Auto-Buy currently supports skipping a single scheduled purchase. You'd need to pause the plan before that date and unpause it afterward.

Is Binance Auto-Invest available in my country? It depends heavily on where you live. US residents use the separate Binance.US platform under a different product name, Canadian residents currently have no legal access to Binance at all, and UK and Australian residents can generally still use it for spot products with some caveats. Check the country section above and always verify current status directly with Binance before funding an account.

Do I get taxed every single time Auto-Invest buys crypto for me? No. Buying and holding crypto is not itself a taxable event in most jurisdictions. Tax generally applies when you later sell, swap, or spend that crypto, at which point the price you originally paid in each individual purchase becomes relevant for calculating your gain or loss.

Does my Auto-Invest crypto automatically earn interest? Not by default anymore. That was true of the original 2021 Auto-Invest product, but Convert Recurring purchases land in your ordinary Spot Wallet. You have to separately enable Simple Earn's Auto-Subscribe feature if you want idle crypto to start earning yield automatically.

Can I change the amount or schedule after my plan is already running? Yes, most plans can be edited directly from the plan management screen rather than requiring you to cancel and recreate them from scratch.

This article covers a financial product. It is educational information, not investment, tax, or legal advice. Crypto prices are volatile and you can lose money. Talk to a licensed financial or tax advisor before you commit real money to any plan.