I'll start by saying that I've been using Binance for years and I won't stop today but I'm still annoyed by this.

Let's say you want to deposit 1000€ and then convert it (let's use USDT to simplify things) so you have to chose one of the three options, at the moment the market rate it's about 1,0789 USDT per EUR.

1. Open Banking (if your bank is supported), starting from 0.5€ fee;
2. SEPA transfer ( credited as USDT), 1€ fee;
3. Bank Card, 2% fee;

Now let's se how much of these 1000€ will remain to you after the deposit, 0 fee would be 1000€ = 1078 USDT:

1. 998.80€ that will be 1077.6 USDT atm. if converted on Binance with someting like 0.8€ fee;
2. automatically converted so 1066.6 since they are applying this Convert Ratio is 1:1.06(EUR:USDT) instead of 1:1.078 or more (current rate);
3. 980€ that will be 1057.3 USDT atm. if converted on Binance with someting like 0.8€ fee;

What should the point 2 be considered? A deposit fee? Spread? I would only use Open Banking but it doesn't allow instant transfer as far as I can see.