Pump.Fun App Referral Code "HQTRADE" – Fees and the 0.4% Discount Explained

Every trade in the Pump.fun app now carries a platform fee, and the rate you pay depends on one choice you make at signup: whether you applied a referral code. This guide focuses on that fee. It shows what Pump.fun charges, how the pump fun referral code HQTRADE lowers it, what the saving looks like in real numbers, and how the separate signup bonus works alongside it.

Quick Answer: The main verified Pump.fun referral code in this article is HQTRADE. With it, your Pump.fun platform fee is 0.4% per trade instead of 0.45%, and you can also unlock a bonus of up to USD 50 after your first qualifying purchase. Apply the code in the app before you buy any crypto, or tap to use code HQTRADE straight from the invite link.

Disclosure: we may earn money (a referral reward) when you sign up with code HQTRADE. Using the code costs you nothing, and your own fee goes down, not up.

What Pump.fun Charges Per Trade

Pump.fun introduced a platform fee on October 17, 2026. It applies to trades placed in the Pump.fun web app and the Pump.fun mobile app. According to Pump.fun's fee documentation, there are two rates for this fee, and which one you get is decided by your referral status rather than your trading volume or account age.

• Standard rate: 0.45% of each trade, for wallets that never applied a referral code.
• Referred rate: 0.4% of each trade, for wallets that applied another user's code, such as HQTRADE.

The copytradehq.com tool ranking lists the same numbers: Pump.fun charges 0.45% per trade, or 0.4% with code HQTRADE. We re-checked that ranking before publishing this guide.

Which Costs the Platform Fee Covers and Which It Does Not

The platform fee is not the only cost on a Pump.fun trade, so it helps to know what it sits next to. Pump.fun's documentation says the platform fee is charged in addition to protocol fees, creator fees and liquidity fees, and that bridge or network costs can apply too. These other costs are not changed by a referral code.

The fee is collected in SOL or USDC, and the app shows it as a separate line before you confirm the trade, so you can see the exact amount each time. It does not apply to trades placed through Terminal or through third-party interfaces, which have their own pricing. The HQTRADE discount therefore matters most to people who trade inside the official app.

How Much You Save With HQTRADE

The gap between the two rates is 0.05 percentage points. That sounds small on one trade, but it is charged on every trade, buys and sells alike, for as long as you use the app. Here is what the platform fee alone comes to at different trade sizes:

• A USD 100 trade costs USD 0.45 without a code and USD 0.40 with HQTRADE.
• A USD 500 trade costs USD 2.25 without a code and USD 2.00 with HQTRADE.
• A USD 2,000 trade costs USD 9.00 without a code and USD 8.00 with HQTRADE.

Now picture an active trader who places 100 trades of USD 200 each in a month. That is USD 20,000 in volume. At 0.45% the platform fee totals USD 90, while at 0.4% it totals USD 80, so the code keeps USD 10 in that trader's wallet every month. Put another way, the referred rate is about 11% cheaper than the standard rate on every single trade.

You can run your own numbers with the CopyTradeHQ fee calculator before you decide how actively you want to trade.

Why the Code Must Be Applied Before Your First Purchase

The fee discount and the bonus both depend on timing. Pump.fun's Referral Rewards Program Terms say a referral is only credited when the code is applied before the new user's first crypto purchase through an in-app payment provider. Simply opening an invite link does not attach the code by itself, so check that HQTRADE shows in the app's referral field.

The terms also say the code has to be applied in the mobile app or another interface Pump.fun designates. If you already bought crypto in the app without a code, you cannot qualify for the referral bonus later. Doing it in the right order takes a minute and protects both the lower fee and the bonus.

The Signup Bonus That Comes With the Lower Fee

The 0.4% rate is permanent, while the bonus is a one-time reward. Joining with HQTRADE can unlock up to USD 50, according to the code page on copytradehq.com and Pump.fun's program terms. The amount is set by your first qualifying deposit:

• Your first crypto purchase through an integrated payment provider becomes your match base.
• The match base equals the USD value of that purchase, up to a cap of USD 50.
• The smallest qualifying purchase is USD 1.
• Crypto sent in from an exchange or another wallet does not count as a qualifying purchase.

Ready to lock in the referred rate before you fund your account? Open the invite link and use code HQTRADE, then confirm it is applied before you buy anything.

How the Bonus Is Paid Out

The bonus is not paid on deposit. It is released in five parts, one for each of your first five qualifying trading days. A qualifying trading day is a calendar day in UTC on which you make at least one genuine trade from the wallet that received the deposit.

• On each of trading days one to four, you receive one-sixth of your match base.
• On trading day five, you receive two-sixths of your match base.

All five days must fall within 10 days of the day your deposit is confirmed, though they do not have to be back to back. Any part you do not earn inside that window is lost. Pump.fun reviews each installment before crediting it, does not promise a fixed payout time, and pays in SOL, USDC or another asset it chooses, converted from the USD amount when the reward is credited.

Where the Referral Fee Share Goes

A common question is whether a referral code makes your trades more expensive so someone else can earn. It does the opposite. You pay 0.4% instead of 0.45%, and Pump.fun routes part of that already lower fee to the person whose code you used. Pump.fun sets that share itself and says it may change, so it does not publish a fixed percentage.

The referrer also receives a bonus that mirrors yours, funded by Pump.fun and released on the same trading days. Nothing is taken from your deposit or your bonus to pay the referrer.

Who Qualifies for the Discount and Bonus

Pump.fun's terms set a few conditions. Read them in the app before you sign up, because Pump.fun can change them.

• You must be at least 18 and of legal age where you live.
• You must be a new user who started using Pump.fun on or after October 7, 2026, when the referral program began.
• You can receive the new-user bonus only once, across all of your wallets and devices.
• Residents of the United Kingdom, Brazil, Indonesia and Nigeria are excluded from the rewards program, as are countries blocked under Pump.fun's general terms.
• Self-referral, wash trading or hiding your location with a VPN can lead to rewards being withheld or reversed.

The program runs until its budget is used up or until Pump.fun ends it.

Risks to Keep in Mind

• Crypto can lose value quickly, and tokens traded on Pump.fun can drop to zero. A reward paid in crypto can also lose value after you receive it.
• Never share your seed phrase or private key with anyone, including people who offer to help with a referral code.
• A referral code never costs money. If someone asks you to pay for HQTRADE or any other code, it is a scam.
• There are no guarantees. Pump.fun can review, delay, reduce or end rewards, and a lower fee does not make any trade profitable.
• Taxes on rewards are your own responsibility.

Trade only with money you can afford to lose, and never place trades just to chase the bonus.

Pump.fun Fee FAQ

Is the 0.4% rate temporary? No. Pump.fun's fee documentation ties the 0.4% rate to having applied a referral code, not to a time limit. Pump.fun can still change its fees in the future.

Does HQTRADE lower the creator or protocol fee? No. The code only changes the Pump.fun platform fee. Protocol, creator, liquidity and network costs stay the same.

Do I get the lower rate on Terminal? No. The platform fee, and therefore the discount, applies to the Pump.fun web and mobile apps, not to Terminal or third-party interfaces.

Can I add a code later to get the lower fee? The code has to be applied before your first purchase through an in-app payment provider for the referral to count, so add it at signup.

Start Trading at the Lower Rate

If you are new to Pump.fun, a referral code is the simplest way to pay less on every app trade. HQTRADE takes the platform fee from 0.45% to 0.4% and opens the door to a bonus of up to USD 50 once you trade on five days within your 10-day window. Before your first purchase, use code HQTRADE and check it shows as applied in the app.