Bech32 is native segwit and is the cheapest mainstream on chain way to spend funds (iirc). Those addresses begin with bc1.
Nested segwit is the next cheapest and old systems have to support it because it's in the style of multisig addresses.
Legacy is the least efficient way to send funds (addresses beginning with a 1) and those are the most expensive but are also the ones older companies got used to (if there's a company not using segwit, I'd advise against using them as they might be cutting other corners too - especially security wise).
Hey, thanks for your reply. You answered my question.