I used to think buying crypto instantly with a debit/credit card was the easiest option… until I realized how much money was disappearing through hidden spreads and payment fees.

After comparing different methods, here’s what stood out:

Spot trading is usually much cheaper than using the “Instant Buy” button. Bank transfers often cost far less than credit cards. P2P marketplaces can be great if you’re careful and only trade with verified merchants. Network withdrawal fees matter just as much as trading fees. Many “zero-fee” platforms still hide costs through wider spreads.

I also noticed that buying USDT first and then trading on the spot market can sometimes be more cost-effective than buying BTC or ETH directly.

I’m curious how everyone here approaches it.

Questions:

What’s your go-to method for buying crypto with the lowest fees? Do you mainly use Spot, P2P, or Instant Buy? Which exchange has consistently been the cheapest in your experience?

Looking forward to hearing real experiences rather than advertisements.

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