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What is the difference between the Bank PIN the mChek PIN and the virtual card PIN?

Bank PIN: This 4-digit PIN is issued by the Bank in a secure envelope which will be placed in the starter pack. The subscriber needs to enter this PIN when prompted (under eZ Pay menu) in order to link the SIM with the bank account. mChek PIN: This 4-digit PIN is created by the subscriber. The subscriber must enter this PIN for all eZ Pay transactions. Prepaid Card Account PIN: This 4-digit PIN will be issued by the Bank in a secure envelops which will be placed in the starter pack. The subscriber needs to enter this PIN when carrying out a transaction using the VISA Debit Card.