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.
I guess it is about which part of the World the company is located. A company located in usa will have better dollar deals and prices and a company located in a good strong european company will have a better Euro deal. So it is not about which company has a better deal unless one has better in every single currency. At least thats my assumption , cant speak on behalf of everyone.