lowest fee way

Hello, everyone

I'll get back to you because unfortunately I still haven't received a solution.
I would like to top up my money at Binance, but it looks like this:

Credit card = 1.8% few
SEPA transfer = bad exchange. 5 euro gap at 100 euro

Soloutions maybe?
Advcash = i don't know ... mixed feelings here on reddit (for 1 euro per SEPA)
Gemini? = read it often but never used it ...

Whats the easiest way to get money to my binance account without loosing much money for fees / trades?

Please only answer this question and not where you are active. :-P
Unless I can easily upload to binance via gemini, for example.