I want to buy some bitcoins, but the fees associated with sending fiat money to the exchange are so high. Aproximately 3,6% in fee. How can I buy bitcoins from an exchange and avoid this crazy fee???
Just use localbitcoins and shop around for a better rate.
By the way, how is 3.6% an estimation? Where did you get this number?
Here are Kraken's fees:
What are the options to deposit or withdraw cash through a bank and what are the fees?
Deposit options and fees
◾EUR SEPA Deposit (Free) - EEA countries only
◾EUR Bank Wire Deposit (€5) - EEA countries only
◾USD Bank Wire Deposit ($5 USD) - US only
◾USD SEPA and SWIFT Deposit (0.19%, $20 minimum)
◾GBP SEPA and SWIFT Deposit (0.19%, £10 minimum)
◾JPY Bank deposit (Free, ¥5,000 deposit minimum) - Japan only
◾CAD Wire Deposit (Free)
Withdrawal options and fees
◾EUR SEPA Withdrawal (€0.09) - EEA countries only
◾USD Bank Wire Withdrawal ($5 USD) - US only
◾USD SEPA and SWIFT withdrawal (0.19%, $20 minimum)
◾GBP SEPA and SWIFT Withdrawal (0.19%, £10 minimum)
◾JPY Bank withdrawal (¥20) - Japan only
◾CAD EFT Withdrawal ($10 CAD flat fee, $25K CAD daily max) - Canada only
I think you need to shop around.