Actually, Uquid has a 0.5% fee when moving money from account balance to cards. You'd be able to see that with a free account. Bitpay rates have in my experience always been slightly better than thw ones Coinsbank had.
What is the EUR quote you're getting right now? I'm seeing 715.36 on Coinsbank.
Well, remarkably, that's a better rate that BitPay at the moment. I wasn't looking at EUR rates admittedly. You should check if this is a sell/buy rate though.