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RE: Buying steem with fiat = Exchanges.
You could always use Coinbase Pro (aka Gdax). That's what I use. There's still a fee, but the fee is much smaller. Like, much, much smaller.
Then, I just move stuff to Binance immediately to avoid huge fluctuation in prices and just buy the Steem from there.
Cheers for the info, I will give that a go over the weekend, many thanks.