Revolut! There are also pretty high referral bonus (around 80 dollars per referral where I come from). You can ”charge” it using Apple Pay or Google Pay, and it’s very convenient.
Doesn’t work in South Africa, India or Singapore.
When you meet up with from people from enough places, there really aren’t many options.
Good news, PayPal works once from these places. then you will get 180 days lock on your account for suspicious transfers.