I am new to [crypto.com](https://crypto.com) and have quite a few question marks.
I do not know if there is a difference when i transfer EUR to the APP or the Exchange - are there different fees? Currently, on the APP it says "2.99% FEE WAIVED" - is that all of the fees?
I do not know if changing from/to EUR from/to Crypto on the Exchange is cheaper than on the App?
I do not know how to effectively and cheaply transfer money from the Exchange to the App (for payments in EUR at a shop)- Is CRO the cheapest option? I'd like to stake a certain amount of CRO for the VISA card and want to avoid as many fees as possible.
I also want to check if the % of cashback is actually a win or a loss compared to all fees accumulated.