I've been also using relai, they were great, but they stopped doing services for Croatia, so I needed to switch to Pocket. It is easy to stack over lightning. They are also very good.

Yeah! A lot of exchange platforms are scamming users, covering insane withdrawal fees and they make batch on-chain transactions so for them the fees are very low..always check the mempool before making a transaction so you know the real actual value of a transaction at the moment.

Relai was pretty good until they ask for KYC. 😅 super easy to use. The only down side is the delay with sepa transfer, that will be perfect if they accept sepa instant. But i guess that's the compromise for low fees.