If you have a bank account, then you most likely have a VISA card, which we Kenyans like to refer to as an ATM card. But why aren't you using it? Probably because you think it will cost you a lot of money in hidden charges.We are here to tell you that it's FREE - no transactional costs, no sending and withdrawal fees, no hidden charges. ZERO.And last year, VISA introduced mVisa, a new no muss, no fuss way to pay directly from your bank account with your mobile phone. It comes with it all the advantages of a VISA card, including free transactions.To help you see the benefits of using Visa, we've put together a comparison chart between VISA, mVisa and M-Pesa.In fact, using Visa/mVisa is even cheaper than using cash because your bank charges you a fee to withdraw cash when you use your ATM.Steps for registering on mVisa* Register for mobile banking and download your bank's mobile banking app or upgrade your existing mobile banking app.* Open the app or access your bank's USSD platform and select mVisa.* Set an mPIN, if required.* Select your desired Visa card to linkSteps for using mVisa* Open your mobile banking app. Select mVisa.* Scan the merchant QR.* Enter amount if required.* Or, the amount you owe may automatically appear.* Confirm payment.* Receive payment confirmation* For USSD, simply access your bank's USSD platform, enter merchant ID, amount and pay.mVisa live banks* Co-operative Bank* Family Bank* KCB* NIC* NBK* Prime Bank