Use wallets that do have dynamic fees such as Electrum and blockchain.info. These services often imposed their own fees based on the lowest possible fee on the network for the transaction to be confirmed within the next block. Also, I believe that some mobile wallets support dynamic fees too such as Mycellium and could be handy as well.
Dynamic fee calculation sounds great, but it often doesn't work very well, and leaves users paying much more than necessary. I consistently send BTC using Electrum on the lowest fee setting (within 25 blocks). It's almost always included in the next block, and has never been delayed more than 2 blocks.
Anyone using the high fee setting to get immediate confirmation on Electrum (and other wallets...Core is even worse) is getting totally reamed on fees.
Every single time. And I think this has created a bad feedback cycle where 1) users believe a high fee is necessary when it's not, then 2) persistently complain about the high fees.
Typical users have many less inputs to use on average than services like exchanges, and should expect to transact for considerably lower fees.
So yes, use Electrum, but you should probably use the lower fee settings if you use dynamic fees. Or just manually set much lower fees. And use RBF if necessary.
