You can typically wire (ACH in US, SEPA in the EU) within country for no fees to a big exchange like Binance or Coinbase, take something like 0.02% to 0.5% for

You can typically wire (ACH in US, SEPA in the EU) within country for no fees to a big exchange like Binance or Coinbase, take something like 0.02% to 0.5% for converting to crypto (depending on amount and exchange, maximum fee is 0.1% at Binance, 0.5% at Coinbase) and do the same thing at the other end.