How to deposit fiat or crypto to binance with low fee, preferably by credit card?

Living in Eu I wanted to add funds to Binance, but SEPA deposit is suspended at the moment. I would like to avoid the 1.8% bank card deposit fee. Advcash charges you 3.5%, P2P deposit I would like to avoid. I was thinking about buying crypto on another exchange and then transferring that to binance as crypto deposits are free, but all the exchanges I looked at either had high deposit fees or withdrawal fees, or process funds very slowly.