Long story short, my bank/credit-union doesn’t support debit-visa and the only way I can make online payments through my bank account is via PayPal.
PayPal is a pain in the ass to work with and I would like to use Privacy.com’s virtual debit/credit cards however, they lack support for banks/credit-unions outside the US.
Note: I like to use my CC as less as possible hence why I use my bank for majority of my online payments.
I’ve used Wise (formerly TransferWise) for years. They have competitive exchange rates and acceptably low fees. They offer a debit card (electronic; you can see all the info/numbers in the app) that works for me for some online vendors in México (I’m US), but doesn’t work for others. Your mileage may vary depending which country you’re trying to use it in.
I also use my capital one venture credit card as a daily driver. They have no foreign transaction fees and exchange rates are pretty close to daily spot price (and it gets 2% back on purchases everywhere).
Another option could be Charles schwab checking account debit card (i forget the name of the actual product). It offers no foreign transaction fees on purchases and atm withdrawals and they reimburse atm fees worldwide.