Sending Eth to another wallet, why are TX fee's so much more than current Gas?

2021.09.25 04:21 OverlordDownunder Sending Eth to another wallet, why are TX fee's so much more than current Gas?

Just confused a little here, i want to pull some Eth out to another wallet from Coinspot.
Now my wallet and my mining pool have current gas at 45Gwei (~$3.71) yet Coinspot has a TX fee of 0.005 Eth, or $20.....
Whats up here? Does Coinspot put a cut ontop of network Gas too? Is that just a high rate but whatever's unused over the current Gas price is returned? Something else?
When i read the fee schedule and it said charged a "standard network transaction fee" i took that to be whatever the current standard/normal gas fee was at the time, not a "flat rate fee we set many dollars above the actual TX" fee.
Can someone clear this up for me?
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SL 82, region: Asia Pacific (Sydney), password: tomato.
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