Revolut was mentioned before, but let me elaborate on it.

They are essentially a bank but you can open an account through their app with the needed IDs.

You load money onto your account via a card payment from a conventional bank account, so no transfer fees apply in that sense.

They have one time use virtual cards and free persistent virtual cards. You can order physical ones if you want. You can set limits and recurring transactions per card. It even recognizes subscripition services and lets you know in advance if you need to top up the account before a payment is due.

Caveat: ads for their own services to buy crypto, gold, stocks and crap. I personally wouldn't keep huge sums on my account, but know people who use it extensively. Even after years of usage, they werent burnt yet.

I have no experience with customer service, as I only use it for what you are looking for. According to the internet, their CS can be abysmal.