As we have already discussed, for replenishing Peer from a card directly, you will pay a commission of 3.99%, to save money, you can use exchangers.
To find a safe exchange, use aggregators like Bestchange.
How to use the exchange aggregator?
The rate in exchangers is cheaper since it is an internal payment from the side of the wallet.
In this way, you can replenish or withdraw money not only to banks but also to other payment systems, which otherwise would not work.
The first time you can try with a small amount. After a couple of payments, I'm already used to it and send the entire amount at once, there have never been any problems, on Bestchange all the exchangers are normal.
There are a lot of options out there, go look for what suits you best.