Use it like any other card. I use it to hide cash from wife.
Fees:
Transfer from/to Neteller...$2 (You load the card with how much you want)
Other Loading.................$2 (Not sure what this is)
ATM Withdrawal..............$1.50 (Cheaper than my bank)
POS Purchase/Cash Back..$.75
Can even use it as a telephone credit card:
.25 to connect
.10 a minute