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I was in your exact position a few months ago and ended up using Paybis. The whole process was surprisingly smooth. You can buy ethereum with debit card instantly – verification took under 2 minutes for me, and they even allow purchases up to $1000 without full KYC if you're in a hurry. The rate is clear upfront, fees are shown before you confirm, and the ETH arrived in my wallet within maybe 10 minutes. They also accept Apple Pay if you're on iPhone, and support is 24/7. Much simpler than dealing with traditional exchanges.