Neat gives you a physical MasterCard, fees on overseas transactions are ok. Some limits on amounts of inwards & outwards transfers, which can be lifted once accounts are verified.
It has had issues recently - they closed down their live help chat a few months ago, the email system can be slow to respond. The FPS top-up is unreliable, seems to work most times, but occasionally will not arrive on the card. Sending a transfer receipt gets it sorted, but it takes a day or so. If you look at their Facebook page you can see complaints in the comments.
It works for me, I don't keep money on it, only transfer when I want to buy something on niche sites that may not have ironclad secure systems.
One downside is that if the company payment system pre-authorises the purchase with Neat and then takes a while to send it out & finally charge, the pre-authorisation gets cancelled after 10 days so the payment can be declined.