Card fees were killing my small buys, so I finally tried buying crypto with a bank transfer. This article at https://paybis.com/blog/crypto-exchanges-bank-transfer/ compared ACH, SEPA, and wire options, and explained why some exchanges hold your crypto for 7-10 days. I ended up using Paybis because they show fees upfront and have SEPA Instant – my money arrived in under a minute and I got my Bitcoin right away. No surprise holds. If you're tired of credit card markups, give bank transfers a shot.