VISA and VISA Electron deposits are instant. When making a withdrawal to a VISA card, it can take up to 48 hours to see your withdrawal reach your bank account, so you do have to wait some time before you are able to use your winnings.
Recently we have seen a number of bookmakers offering their own VISA card options. This is worth looking into as they are using this as a way of rewarding customers who are also part of their loyalty programme. It also means your winnings are available to withdraw immediately from an ATM.