What's the most effective way of buying with Euro now?

Since sepa and ideal are suspended, and bank card have 1.8% fee, what is the next best option?

I see different rates for credit/debit card, cash balance, and third party. Has anyone done price comparison?

Also, revolut card is not working anymore. So I think only option I have is 3rd party of which only Banxa seems reasonable. But I am not able to ascertain the price difference for Banxa and credit card. And with Banxa not all coins are available.

So should I wait for Revolut or SEPA to work again or maybe binance to lower fee on bank card? Or use Banxa?