it already exist in the Philippines for years which a bank call it egivecash. its a cardless transaction like they said, coins.ph will send you 16 digits and pin code to withdraw upon cashing out your btc. it don't require anything from you to withdraw so its kinda suit for someone who don't want to get involve with banks. easy and no transaction fees.
Coins.ph doesn't aware of many people in the forum. You can find most trusted debit card services like xapo and advcash providing card and cardless transaction can be available at these places.
Even spectrocoin also provide the same service as you mentioned.