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EMI Top Up via credit/Debit with 0 fees

It depends on what you require. Most around here are using Wise or AdvCash or both in an combination.
We're topping up to Revolut from Skrill using Skrill cards (virtual & Physical). There is a limit that Revolut imposes even with a premium/platinum plan.

We need a service similar to Revolut that has the same feature (free top up using debit cards) and can send SEPA. It needs to support sending to exchanges (mainly Kraken) as Revolut does.