BUSD conversion from EUR ”fee”

Hi everyone,

So I’m new to Binance, and I have a question regarding buying crypto using BUSD and whether or not it’s actually ”worth it”. So I’m checking the price of spot trading deposited EUR to BUSD, and it’s not 1:1 relative to EUR to USD. This makes me think that I’m paying more for the same amount of crypto compared to for example Kraken. Sure, the fees are lower , 0.1% vs 0.26%, but the conversion rate of EUR to BUSD with spot trading is more than 1% compared to EUR to BUSD according to european central bank rate. Does this make buying the same crypto cheaper on Kraken if the exchange rates are the same?