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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.
There were numerous reports of people in this very forum, who had their N26 account closed
due to regular cryptocurrency-related transactions.
You would expect that an emerging bank like N26 would be very friendly towards new inventions
like digital currencies, but this is a far cry from reality unfortunately.
I would strongly recommend using Mistertango over N26 even though Mistertango has a few
drawbacks as well (e.g. high BTC deposit fees).