If you want to save money, you need to use a dedicated exchange like Coinbase or Bitfinex.
Bitfinex is the last place anyone should be heading to when it comes to using a safe and reliable exchange. Their current banking problems are yet another obstacle traders there are dealing with, hence the premium in price.
Kraken does the job very well. Besides the trading fee, the cost to transfer EURO to your bank account is €0.09 per transfer no matter the amount (which is noting).
SEPA transfers are fast 12 hours - 24 h max. If you request a transfer before 11.00 am you get it credited at the bank at 07.00 pm. Everything after the morning you will get it the next day.
Kraken has improved a lot after their horrible problems months ago. I honestly didn't expect them to recover like this. Much respect to them.
Another exchange that does a good job in terms of EUR deposits and withdrawals, and happens to operate the largest BTC/EUR market, is Coinsbank. They comply with regulations as well, so another plus there.