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A mobile wallet is a digital version of the wallet you carry around in your pocket wherein you can transfer money through an agent, net banking or a debit/credit card into your app wallet.mobile cash wallet in Nigeria include Opay ,Palmpay e.t.c.mobile cash wallet do give promotions and bonuses to there customers,while a bank account is a financial account maintained by a bank or other financial institution in which the financial transactions between the bank and a customer are recorded.