Withdrawing from ATM in my opinion is very expensive for every card, so i'm doing this only when i must. (as i know the smallest fee is around $2.5)
You consider a fixed $2.5 fee for an ATM withdrawal too much...
Paying shops and internet is very ok( if you pay in currency that card was issued, in other currencies sometimes they take little %) - anyway it is very comfortable and not expensive.
For simplicity's sake, let's consider the
little % to be also 2.5% - in reality it's usually more, but in this way we can compare a $2.5 ATM withdrawal fee with a 2.5% shopping fee...And you don't consider a variable 2.5% (in our example) not to much! The devil is in the details, let's see!
It all boils down to how your variable 2.5% shopping charge compares to the fixed $2.5 ATM fee. It depends on how much you
live on bitcoin: how much of your monthly living expenses do you charge on your bitcoin card. How much do you live in a cash society (the majority of your transactions will be ATM withdrawals), or how much the society you live in is a cashless one (the majority of your transactions will be for shopping).
I never make operation: my BTC wallet > cryptopay BTC wallet > fiat > bank account, so i can't help you, but if someone did it, please let us know.
You seem to can't help me in something I didn't even ask. It's OK!