Here in Belgium I can use like an ATM system to buy crypto, and then I can exchange this crypto into Steem.
You do need your bank account (your card, to be more exact), but the data isn't saved into the system.
I'm using https://www.litebit.eu/en for that.
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Unfortunately there are no crypto atms in my area that I can find. I wish there was that would definitely be an ideal way for me to initally invest. I do have a binance account though other recommendations, but am new to crypto investing so I have not really used it yet.