@OmegaStarScream's advice is the best one that you can do OP, just do plus those exchanges recommended were really good so you're going to be fine. Since you're already here in the forum, try out P2P here, just make sure to do escrow so you don't risk scams or you can do P2P with trusted users here in the forum. I don't know if you don't want to comply with KYC policy as most exchanges are going to require you to do that and it's probably a must for you to know about it so you don't get caught off-guard.
I am not sure I understand what you mean. If you were to do P2P, bank transfer is the likely option and the bank wouldn’t know who you’re transferring to nor why you’re transferring it. Or does your country charge the 12% based off on every bank transfers? That can’t be.
Really weird for me too, I don't think that banks would know who you're transferring the money to but the why isn't going to be clear and that 12% charge for each transfer? That's a bit much if you ask me. Say, you transfer $100, you have to pay $12? Is that how it is because if it is then that's just absurd fees.