You could use a crypto debit card (Binance, Coinbase, Wirex etc.) or p2p local exchange to withdraw and then there are ATM where you can deposit funds to your account with no questions asked. If you keep the amounts reasonable, that won't be a red flag for your bank.
A Binance Card seems the best option to pay your fiat bills. You don't even need to convert to fiat, just send some BTC and keep it in that form.No one will care, even the card's limit (8700 EUR per day) is lower than the 10k limit and there's no way your bills are that high either way.
Stick with Binance and maybe Revolut, avoid traditional banks.