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Thank you for your replys,
i am signing up to paysera and will test this
I'm doing the same at the moment to see how it works and how complicated it may be.
 
BNC10 (ES-IBAN), Monese (BE-IBAN) or Vialet (LT-IBAN).
If you prefer a real bank, you could try Ferratum (MT-IBAN).

Thx for the suggestions. Do you know if any of those are crypto-friendly ?

I had been using Leopay and now iCard for some time without any issue towards Bitstamp or Kraken, but now I want to scale up amounts and investigate the need to spread over several EMIs
 
AdvCash is using SEPA according to their website and from what I can see. It's not really free but it's also not the most expensive I have seen.