Hi,

Thinking to get a debit card to pay with bitcoins. I am completely new to this debit card world, so no idea how it works all together.
I live in the UK, so... what I read on this threat is that European countries have debit cards abaiable. Now.. the question is which one is more reliable and the fees are less.

When do you need to pay fees?
- When you deposit btc to your debit card?

or/and..

- When are you using the debit card to pay?


How do they calculate the exchange rate to pass from BTC to fiat? because if you have btc on your account and every time you pay with your debit card I believe they will need to exchange the BTC each time...

Thanks!