Neteller is absolutely the way to go! The debit card is pretty cool except they charge fees to use it. Basically the only real advantage to the debit card is you go into your account fund the debit card and then go to the ATM and get your money costs like 3 bucks between the ATM and Neteller but you do get your loot a couple days faster that way! I have used Neteller for a long time now and have never had even the slightest issue! If you live in the UK you can have your money sent straight to your bank account from alot of sites. If you live in the states Neteller is the way to go!