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What is the fee to buy crypto using fiat on Coinbase and Binance?

When I deposit cash/fiat money to either Binance or Coinbase, there is no fee, except for bank charges. But when I make a transaction to buy crypto, a taker fee of 0.1% will be charged. In addition, if the crypto purchase is made from my country, a VAT of 12% of the transaction value will be charged.
 
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