I also use the Neteller Net+ card, and have done so for over a year now, saving a lot on Ryanair charges. The card itself has no fees associated (unless you use it at an ATM). As with Stronge, I keep a relatively low balance on the card. Topping up by bank transfer is free, and if you need to top up in a hurry to book a flight, it is 1.75% from a credit card. However, it needs to be a pretty expensive flight before 1.75% becomes more than the Ryanair charge of EUR 5 per person per flight segment.