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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.
I don't think that this is true about n26. I wasn't able to verify any of the claims that it's closing accounts with crypto activity. I've had plenty of transactions to and from exchanges myself and even contacted support in the meantime for assistance with statements. No word from n26 against cryptocurrency-related activity.
Has there been anything new to that story though? Point me to which threads you're talking about please.