You can get cash to Neteller instantly in many areas by calling them and asking for information on how to make a cash deposit into a checking account they have. You make the deposit, write the phone number of the branch on the deposit slip and fax it to them with your Neteller account information and the money will be put in your account instantly with absolutely no fee. I have used this the last several times I have made Neteller deposits. Obviously you can't do it at a time when the bank is not open.
If you *must* do instacash, (Jack, forgive me) the only place I know of that at least will help you reduce the fee is Oasis. They reduce the fee to 2% on Instacash deposits. Good luck.