I have a premium Revolut account which allows me to convert illimited CHF to EUR at market rates, so this is not an issue for me.
When I started investing Binance did not offer fiat deposits, so I just was just transferring cryptocurrencies from other exchanges to Binance in order to be able to trade there.
This reply arrives maybe a bit late but I think Binance Lite is great to start for an amateur (this Lite version exists on their app -iPhone here- but not on the web browser). As time passes, you just switch to regular to have more control buying selling and trading.
Yes, the Binance phone app is really easy and useful, I do most trades on the phone. Cash out money via SEPA transfer - the money arrives to your normal FIAT account within 1 day. Also Binance is located in China, so any regulation push from western world (probably the US), there is a higher chance, that they will not care about.
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