Binance, kraken, I didn't try kucoin, I was using Binance, and now I need a SEPA account in $ or Euro, I was exchanging directly RON in Binance and withdrawing to card, now RON was removed, to change Euro/$ to RON at my bank, those are other fees... To use Bit refill is not a good choice, when I need to use small amounts of money, for example 1 bread and 1 liter of milk, this are less than 3 Euro, with bit refill I'm forced to spend 10 Euro at least.