BINANCE & SEPA bank transfer

hi,

i haven't transferred anything in the last months, and haven't followed the binance deposit/withdraw news lately. but i want to top up my funds (so i can buy a lambo much earlier). :)

after sepa transfers were stopped for a short period of time, there are three sepa options available.

1) one that automatically exchanges euro to usdt. (0,5€ fee) (0-3 days) 2) one that costs 1€ per transfer (no auto-exchange) (1-3 days) 3) on that's called open banking with 0,5€ fee (0-7 days) which looks like it's the same lithuanian banking partner as before.

now, previously i always used an instant transfer from my bank, and received the money within 10 minutes (usually), sometimes it took an hour or two, although it said 1-3 days.

i wonder, has anyone tested the deposit options already. can anyone tell me what thhe costs of exchange are?`I assume it's 2%, similar to the convert tool.

is an instant trnasfer still possible, if i choose open banking or the 'regular' SEPA transfer?

thanks.