Plus whatever fee (often % based) you're going to pay if you need to convert from your cryptocurrency to another one or to your local currency, but that still may be less than other methods depending on where you live and what those methods are. Here in the US I can't even pay my landlord online without a $3 fee each time (or more if I want it to go through in less than a few days) because we bank at different banks and neither of us is willing to set up an account at the other's, so a check it is, but even that I have to pay the cost of the stamp.