Yeah, that 19% isn’t the network fee, that’s only a few cents. On RetoSwap the “no deposit” offers carry a big premium because the seller takes all the risk, and Revolut payments can be reversed. If you pick an offer where you put down a security deposit (you get it back after the trade), prices are much closer to market.

The other cheap route is buying BTC or LTC on a normal exchange and swapping it to XMR with an instant swap. That’s usually 1–3% all in, but the exchange part will want ID.

we put together a list of places to buy by country if it helps: https://xmrlist.com/buy-monero