Which USDT?
ERC-20 and TRC-20 can be sent to Binance easily.
BEP-20 I don't know, it might be harder but like I said I'm not sure.
Somebody sent me USDT-BEP20 a few days ago and now I'm racking my brains over it trying to figure out a cheap way to sell it for USDT-TRC20 without selling my BTC to buy BNB so that I can pay for gas.
It's made me move a lot of assets around, so I guess next time someone offers to pay me in USDT it's going to be in ERC20 or TRC20 only.

If you meant sending in Binance exchange account, either on chain or between users as internal transfers, you can pick a favorite chain and it's easy. Different chains will have different withdrawal fees on USDT.
You will only need to have BNB if you want to send your USDT on BSC in your non custodial wallet like Metamask for example. Directly withdraw it from your Binance account won't require you to have BNB.
Binance supports many chains for USDT.
https://www.binance.com/en/fee/cryptoFee