Honestly I was pretty content with the fees involved when I used it for Euros a couple years back. Afaik the fees aren't trivial but at least they're not steep (unlike e.g., using PayPal to do the same thing) - I didn't really feel robbed but it'll depend on what your expectations are!
MHLoppy2
I've used Wise (formerly TransferWise) for international transfers a couple of times. They use "mid market" exchange rates so tend to be on the cheaper side as far as total loss of value on a transfer (fees + exchange rate losses).
Admittedly it's been a couple of years since I last looked around at these services though!
Regarding Fedia.io, it’s currently inaccessible as I’m working with developers to debug the problems and sadly symfony exposes way too much in debug mode
Based on what I've heard from kbin instance admins (especially jerry, the owner of fedia.io, where I usually post from when not dealing with errors), it's not an easy thing to keep running in its current state. I imagine if you instance hop sub-100 user kbin instances many of them will end up shutting down or having inactive owners.
For example, feddit.online is kbin instance #6 by user count (yet it's still <100!) and has announced they're shutting down in a couple of months: https://feddit.online/m/feddit/t/66403/SERVER-GOING-AWAY-ON-NOV-26th
To have a stable instance experience without going with a large instance you might have better luck with another AP platform as your home base, whether Lemmy or something else entirely.
Not that it really matters much, but here's the original version of the image: https://www.gettyimages.com/detail/photo/google-android-phone-characters-group-royalty-free-image/458243847
Welcome to the statistically-likely club!