i keep an eye on this service but as for me, the 3-5% you say for loading is very many to loose one the way. better withdrawal to bank at 0.09 commission that i have from the exchange ... 
of course this have some negatives also but not 3-5% !!!
Go for spectrocoin or xapo, they only charge 1.5-2% of course this have some negatives also but not 3-5% !!! what's with all the hype about 5%?? where is it coming from? someone shouted on the corner, now everybody spreading the rumour?..
ok, now you charge 4% 943.9EUR/982.89EUR = 96% your price is 943.9EUR and market price is 982.89 EUR. So it is just in the middle of 3-5%