I have previously spoken well of the Uquid card. I would like to see a specific response from the Uquid staff about this post.
I found another post linked from the OP, here is what Uquid have to say about the hidden 1% fee on top of their advertised 0% fee
https://bitcointalk.org/index.php?topic=1485950.msg16199105#msg16199105
Edit :
Everything in Uquid and PayPal is set to GBP, but when attempting to make a GBP payment with PayPal linking my Uquid virtual credit card, the native currency of this card is GIB -- Gibraltar Pounds. This means a 3% PayPal fee hence the conversion rate : £1.00 GIP = £0.959575106 GBP
So my total fee for using Uquid is +1+3+0.5 = +4.5%
Edit 2 :
a google search led me to these posts
https://bitcointalk.org/index.php?topic=1072856.msg16918096#msg16918096
linking to this post
https://www.giffgaff.com/money/loans/tips-exchange/personal-finance/avoid-paypals-high-foreign-exchange-rates
To set this up in PayPal, go here https://www.paypal.com/uk/cgi-bin/webscr?cmd=_profile-merchant-pull-funding&buyer_hub and choose "Conversion Options" next to your funding source. Then, on the following page choose "Bill me in the currency listed on the seller's invoice"
I was successfully able to use my GBP loaded balance to pay a GBP paypal invoice without forex fees