Neteller debit card

[lightfungus]

I have one and have had one for a while. All it took was a small application online. However, there a massive amounts of fees associated with its use, I think. Thats part of my question...I transfered money to it from my neteller account (its not a joint account, you have a seperate debit card account) and thats 2 dollars. I went to use it at a restaurant but I didn't go through. I think it is only usable at ATM's, and then obviously there are charges associated with that. I am not high enough of a roller to lose 5% of my money each time I make a purchase or withdrawal. Does anyone use these? Can you only withdraw with them as opposed to use them at a store...?