Montenegro non-resident bank account is a perfect option for what you aim for. Online payment, Visa debit cards can be issued separately to director / shareholder as well. No need for personal visit to the bank, and everything can be done via special power of attorney. Of course the company will be subject to AML as well as shareholder / director (some nationals e.g. Iranian citizens are forbidden from being linked to a non-resident bank accounts in Montenegro). However, please note that, in regular cases, account opening is a very quick and smooth process, you get SWIFT / IBAN EURO account. This is provided that you are handled by a proper (local) adviser having direct bank connections.