Is binance safe for buying/keeping crypto assets

Hey. I'm from Europe and lately began investing in crypto. I've chosen Binance platform to try this. I have bought 1.5ETH and now I want to setup regular monthly funds (100€ every month) I have some basic questions about binance and retaining crypto belongings,

1. Each time I buy crypto by way of the binance (I exploit direct card transfer technique), I get charged about 5% in taxes. For example, once I make investments 1000€ in ETH, I find yourself getting solely about 940-950€ value of ETH to my wallet. I'm wondering if that's normal or I am getting ripped off.
2. Is it protected to maintain crypto belongings in binance? I've seen quite a few threads about individuals complaining that binance disabled their account for no apparent cause and they don't seem to be even letting them withdraw their very own funds which sounds absurd. Should I purchase crypto after which switch to some other wallet reminiscent of metamask for example?