Viabuy issues Mastercard, correct? It seems they allow their cards to be loaded with bitcoins via their processing partner, BitPay:
https://www.viabuy.com/service-experience.htmlAre there restrictions similar to Skrill or are the funds spendable and withdrawable from ATMs? They have strict KYC regs and they have had an active web presence for years so Im sure they are not a fly by night card operation.
Several issues on that. Loading with BitPay would add a 1% fee on every load. ViaBuy is a paid service and quite expensive too. It'd be better to exchange BTC and just deposit to a bank account with a debit card. N26 or Mistertango for example.
Viabuy has geographic restrictions which would apply to many people: "We send out cards to customers with residence in the European Union, also to Gibraltar." If you have a European address though, it's worth looking at.