Exchanging in 2 currencies bring you less bitcoin, but you can convert only once.
From EUR -> BGN directly in ATM but you will still get -3% for this conversation.
Going to greece to get in eur seems not a good idea because you still have to convert in BGN when you come back at home.
But only if:
1) I have a Bitcoin card in EUR
2) The EUR here is fixed, not like the USD.
EUR is always 1.95583 (fixed)
and sell: 1.955 (for example) buy: 1.9585
Actually I'm ok with -3%, but its an alternative for large amounts.
Euro also is a fiat money and changes like USD but in your case BGN -> EUR it seems nearly the same price every time ~1.95558
Again it is always better when there will be no 3% for converting the currencies.
And to withdraw there are also limits, If your account is not verified then you are limited to 400€ per day, and if your account is verified then the limit is € 2 000 in a day.