Fees - top 3 best choices for lowest fees?

[jerry0]

Is electrum fees much lower than nano ledger s fees?  A while back irecalled i could even make no fee with electrum.  I no longer use electrum anymore.

[ranochigo]

if I buy BTC, my balance will be charged with the current value of the BTC or with the one BTC will have whenever the transaction will be confirmed?

Current value. No exchange would want to lose money and risk having to wait for your BTC to confirm.

Is electrum fees much lower than nano ledger s fees?  A while back irecalled i could even make no fee with electrum.  I no longer use electrum anymore.

Free transactions are not realistic any more.

The main difference between different wallets is the way they handle the transactions. Electrum does offer features such as easy RBF, CPFP while giving the user the control over their fee with the native segwit. That's why it's often recommended because it's UI is easier to use than most. Fees wise, given the same conditions (address type, mempool, etc) , there shouldn't be any fee differential between wallets.

[btcb3g1nn3r]

Ok, after more research I have a theoretical view on the fees charged for investing in bitcoin with fiat from your bank account then returning fiat back to your bank account:

step1) buy BTC via bank transfer (no fee for SEPA)
step2) for holding, transfer BTC to safe wallet -> withdraw fee: 0.0005BTC
step3) deposit BTC from your safe wallet back to binance wallet -> https://www.buybitcoinworldwide.com/fee-calculator/
= 0.1 - 5EUR dependiing if you're in a hurry or not (assumption 1:1 as inputs and outputs)
step4) convert / exchange BTC to EUR -> 0.1% binance fee
step5) withdraw EUR to your bank account -> 0 fee

Concrete example based on initial investment as 1000EUR:

step1) buy BTC via bank transfer as 1000EUR worth -> 0.044171BTC
step2) for holding, transfer BTC to safe wallet -> withdraw fee: 0.0005BTC => 0.043671BTC in your safe wallet
step3) deposit BTC from your safe wallet back to binance wallet -> assume 0.0002BTC mining fee -> 0.043471BTC in your binance account
step4) convert / exchange BTC to EUR -> 0.1% binance fee => 0.043427529BTC to EUR (assumed same value as in step 1) = ~983eur
step5) withdraw EUR to your bank account -> 0 fee -> ~983EUR in your bank account

This means in order to have a profit you have to take care of the BTC/EUR ratio to cover the Binance trading fee (0.1%) withdraw fee 0.0005BTC and mining fee (~0.0002BTC)

Is this calculation correct? (the steps at least as the actual figures depend on the market trend and mining fees)

Another question, is there a limit to the amount you can withdraw from binance account per transaction / day / month as fiat?