Hi, I usually stay clear of cards and send fiat payments through bank transfer for free. In terms of fiat to crypto transactions I use Coinbase Pro. Coinbase Pro isn’t the cheapest but I find them fairly competitive and I’ve not had issues so far. One note of caution with regards to ETH, the transaction costs for transfers are very high so bear that in mind if you need to move your ETH around. I’ve been stung with crazy fees in the past.
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Any worries about some of the more illiquid alts getting hammered by whales who can move large sums and crash price?