What is the ruling on dealing with Neteller bank and using its virtual prepaid debit card for online purchases, knowing that the bank charges a known percentage for withdrawals/purchases and additional fees from the balance if the card is not used for 14 months?

It is permissible for the bank to take a known percentage for withdrawal and purchase operations if the card is covered, because a covered card is considered a paid agency contract. These additional fees are included in the total agency fee, and there is no harm in them as long as they are known. The basic principle is to avoid dealing with interest-based institutions unless there is a need and no Islamic bank fulfills the requirement.