You can use Visa debit for purchasing online if you have that, and you can actually also purchase top up vouchers which you buy in person and then apply to your account online if that’s a convenient option for you. There’s also some physical places...
Already lots of helpful solutions here, I just wanted to add that there is an additional simple thing that might be worth mentioning! There’s a feature that is possible to turn on by accident where your phone will block anyone who’s not on your conta...