It really depends, what you want to use your money for. Honestly I first look if merchants accept crypto or if their competitors do. Other than that to convert to fiat you will most probably looking for some kind of fiat cards - here is some list
https://bitcointalk.org/index.php?topic=1242788.0 and if you are looking you can check these EU accounts as well:
https://bitcointalk.org/index.php?topic=1756494.0But I am not sure of the cheapest way to do so
Bitcoin is easier in a sense that many companies do work with it, however you should be able to find easily method to transfer ether as well