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( Oh - no ATM cards in northern Europe that double as Visa? Very common here - acts like VISA, comes straight from bank account though. )
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Dunno about the rest of Europe, but they exist in the UK. My atm card used to just be a Switch debit card - I could use it to buy online (or in regular high street shops for that matter), but only if it was in UK pounds. The last time it expired however, the replacement they gave me was a Visa debit card, which I can use with any currency (and thus buy online with the same freedom as a credit card). Only downside is the lower protection (since it comes direct from my account rather than via a credit card company) and a £1.50 service charge when I buy in foreign currencies.
As I say, dunno about the rest of europe, but for those having difficulty accessing the means to buy online it might be worth looking into.
(edit: can't rememember if I was employed or not when they gave me it, but there wasn't any application or screening process that I was aware of)