Cheapest exchange to buy BTC from?

I've been looking for an reputable exchange with more tolerable fees, been using Coinbase up to this point which has a 3.84% fee on a 100€ purchase, after i heard some people here talking about Kraken and it having only something like a 0.5% fee, i decided to give it a try, but that service seems to have a 5.42% fee for me. So here are my questions:

Is there something crucial i don't seem to understand about this?

Is the amount of exchange fees based on your place of residence?

What service will give me the best deals in my country? (Finland)

Thanks, much love.

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