Another vouch for wefwef. I’ve been trying it since yesterday and it’s really good and fast.
Regarding kbin, the main problem that I see is that it isn’t transparent about in which server a community (aka magazine), so there are lots of kbin self posts that actually are in other servers (like lemmy.world). Thats a problem when you’re trying to understand how this fediverse thing actually works.
On the UE I use Revolut. It has this feature of virtual cards, and also it’s able to create a temporary card for only one use.