No Sepa, No Ideal and Binance seems to be in heavy waters

Hi,
For years I've been using Binance. Last year some what more active than the years before. But I always had good feeling with them. I'm the Netherlands so the fact that they had instant transfers with Ideal was amazing. Last month we lost this ability. Now we lost Sepa as well. (Not sure how Barckley bank can stop it for us Dutchies unless Binance had their bank account with them)

But, I wish to know what my options are and because I was happy with Binance I never really researched this before. I heard of Cold Storage via a Nano for instance. Would this secure my crypto from a failing Binance? (Is this even possible that Binance will be closed) But once its in cold storage. Can I then go to any exchange put them there and pull my money out via them. Or can that only be done on Binance? So where im unsure is not is a Ledger Nano a safe solution but more the And then part its on cold storage now what what options do I have then.