Connect with us

Technology

Hackers can steal money and make your bank account look intact

Published

on

Hackers can steal money and make your bank account look intact

Hackers have become increasingly sophisticated in targeting bank accounts, sometimes stealing money without the account holder realizing it right away. This raises an unsettling concern among many: could someone actually drain your bank account while making it appear as though your balance remains untouched?

As Bruce from Phoenix asks, “Is it true that hackers can wipe out your bank account but make it look like the money is still there?”

The short answer is yes, though it’s rare and requires a high level of skill. Still, even the possibility is alarming, especially when you consider how easily people can fall victim to common tactics hackers use to gain access to accounts in the first place.

Join the FREE “CyberGuy Report”: Get my expert tech tips, critical security alerts and exclusive deals, plus instant access to my free “Ultimate Scam Survival Guide” when you sign up!

A hacker at work (Kurt “CyberGuy” Knutsson)

Advertisement

How do hackers access your bank account?

There’s a long list of methods cybercriminals use to get into people’s financial accounts, and most of them don’t involve “hacking” in the Hollywood sense. Instead, they rely on tricking you into handing over sensitive information. Here are some of the most common techniques.

Fake banking apps and mobile trojans: Some apps are designed to look exactly like your bank’s official app, but they’re actually fakes. If you enter your login info, it goes straight to the scammer. Even more advanced are mobile banking trojans, which hide inside seemingly unrelated apps. Once installed, the trojan watches for when you open your real banking app and then quickly overlays a fake login screen. If you type in your credentials, the trojan grabs them and sends them off to the attacker.

Phishing scams: Scammers send emails or texts that appear to be from your bank, asking you to verify a transaction or log in to resolve an issue. These messages often include links to websites that look identical to your bank’s site but are actually fakes. The giveaway is often a small detail, like a misspelled URL. For example, “captial0ne.com” instead of “capitalone.com.”

Keyloggers: Keyloggers are a type of malware that silently records everything you type. If one gets onto your device, it can capture your banking username, password and anything else you type, all without you knowing.

Man-in-the-middle attacks: These attacks happen when hackers intercept the data being transmitted between you and your bank’s website. This is especially risky if you’re on public Wi-Fi. You may think you’re logging in securely, but a hacker could be watching everything or even redirecting you to a fake version of your bank’s site.

Advertisement

SIM swapping: SIM swapping is where a scammer contacts your phone provider, pretends to be you and asks to transfer your number to a new SIM card. If successful, they receive your text messages, including any verification codes sent by your bank. This gives them access to your account, even if two-factor authentication is turned on.

A person using a bank card to shop via laptop (Kurt “CyberGuy” Knutsson)

SNEAKY SCAMMERS DRAIN BANK ACCOUNT IN SINISTER PHONE PHISHING SCHEME

Advanced account manipulation

This is where it gets unsettling. In rare cases, hackers can actually make it look like your bank balance hasn’t changed, even though they’ve already taken the money. How? By targeting the display layer of your banking app or web interface. If malware is installed on your device, it can manipulate what shows up on the screen. That means your balance might look normal, while your actual funds are long gone. This type of attack is extremely rare and usually requires access to a compromised or jailbroken device, but it’s technically possible and just sophisticated enough to delay you from realizing what happened.

Bank alert notification on smartphone (Kurt “CyberGuy” Knutsson)

Advertisement

PREVENTING THIS INSIDIOUS EMAIL FORWARDING SCAM THAT WILL DRAIN YOUR BANK ACCOUNT

8 steps to protect your bank account from sophisticated hackers

The good news? You don’t need to be a cybersecurity expert to protect yourself. Just following these key steps can dramatically reduce your risk.

1) Use official apps only: Cybercriminals will try to trick you with fake banking apps and mobile trojans that overlay fake login screens, so it’s critical to download banking apps exclusively from the Apple App Store or Google Play. Never install apps from links in emails or texts.

2) Turn on two-factor authentication (2FA): SIM-swapping attacks can hijack your phone number and intercept SMS codes, so enable app-based 2FA to block unauthorized logins even if hackers obtain your password.

3) Get text or app alerts: Hackers can manipulate your account’s display to hide stolen funds, so set up real-time transaction alerts to expose unauthorized withdrawals immediately, especially for microtransactions used to test your account.

Advertisement

4) Use strong, unique passwords: Phishing scams and keyloggers often harvest weak or reused credentials, so use a password manager to generate and store complex passwords. Get more details about my best expert-reviewed password managers of 2025 here.

5) Avoid clicking suspicious links and install strong antivirus software: Scammers impersonate banks with phishing emails/texts containing misspelled URLs (e.g., “captial0ne.com”), so always navigate directly to your bank’s official website or app instead of clicking embedded links. Strong antivirus software helps protect your devices from fake apps, keyloggers and other threats. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks of the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

6) Check your accounts regularly: Don’t just glance at your balance. Review recent transactions at least once a week to catch any suspicious activity.

7) Avoid public Wi-Fi for banking: Hackers exploit unsecured networks to launch man-in-the-middle attacks and spoof banking sites, so use a VPN to encrypt your connection if you must bank on public Wi-Fi. VPNs will protect you from those who want to track and identify your potential location and the websites that you visit. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices.

8) Use a personal data removal service: Data brokers sell your contact details and personal information, which hackers can use for targeted phishing attacks or SIM swap scams. These services automatically remove your data from broker databases, reducing the risk of social engineering attempts that could compromise your bank account.

Advertisement

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you. Check out my top picks for data removal services here.

GOT A BANK TRANSFER ALERT TEXT? IT MIGHT BE A SCAM. HERE’S WHAT TO DO

Kurt’s key takeaways

Hackers don’t need to break into your bank’s system; they just need to trick you. Whether it’s phishing, malware or SIM swaps, the goal is always the same: get access to your login and verification codes. Fortunately, you can make it much harder for them by using secure habits and staying alert. Your money belongs with you, not in the hands of a scammer.

Has this ever happened to you or someone you know? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Advertisement

Ask Kurt a question or let us know what stories you’d like us to cover.

Follow Kurt on his social channels:

Answers to the most-asked CyberGuy questions:

New from Kurt:

Copyright 2025 CyberGuy.com. All rights reserved.

Advertisement

Technology

Microsoft’s carbon emissions went up 25 percent last year

Published

on

Microsoft’s carbon emissions went up 25 percent last year

Microsoft may once again be struggling to keep up with its own climate goals, according to its 2026 sustainability report. As reported by GeekWire, the report states that Microsoft’s carbon emissions increased 25 percent in 2025, totalling 34 million metric tons “without select interventions.” Microsoft says this was “driven primarily by the expansion of our datacenter infrastructure,” as well as the company’s decision last February to stop purchasing “non-additional, unbundled renewable energy certificates.”

Several years ago, Microsoft set itself a goal to be carbon negative by 2030, meaning it will need to remove more carbon emissions than it produces. This isn’t the first time Microsoft has faced setbacks toward accomplishing that goal, as its 2024 sustainability report showed a similar rise in climate pollution. This year’s report admits that, “While AI infrastructure is driving demand for energy, water, land, and materials, sustainability solutions are not scaling fast enough to meet demand.”

Continue Reading

Technology

Google turns old phones into cloud servers

Published

on

Google turns old phones into cloud servers

NEWYou can now listen to Fox News articles!

That old phone sitting in your drawer may have more life left in it than you think. You may look at it and see a dead battery, an outdated camera or a screen that no longer feels worth using. Google and researchers at the University of California San Diego see something else: a tiny computer that may still have useful processing power.

Their idea is called phone cluster computing. Instead of treating retired smartphones as electronic waste, researchers remove the motherboard and redeploy it as part of a low-carbon computing system.

Google says UC San Diego plans to launch a data center built from 2,000 Pixel smartphones in fall 2026. The goal is to provide low-cost cloud computing for students and researchers while reducing the need for newly manufactured server hardware.

That means the next chapter for an old phone may not be a junk drawer. It may be a server rack.

Advertisement

YOU COULD GET PAID FROM GOOGLE’S ANDROID DATA LAWSUIT

Researchers plan to launch a 2,000-phone data center at UC San Diego in fall 2026 to support students and research workloads. (Kurt “CyberGuy” Knutsson)

Sign up for my FREE CyberGuy Report

  • Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox.
  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

What is phone cluster computing?

Phone cluster computing takes retired smartphones and turns their core hardware into a computing platform. The process starts by stripping each phone down to the motherboard. That board holds the processor, memory and storage. The display, battery, cameras, chassis and other phone-specific parts are removed.

That step is important because a full phone does not belong in a data center. Batteries can create safety issues. Screens and cameras waste space. The motherboard is the part that still offers computing value.

Once the board is removed, researchers load a general-purpose Linux system onto it. Android already runs on Linux at its core, but Android is built for mobile apps and personal devices. A data center needs something more flexible for cloud workloads. After that, the phone boards can be grouped into clusters. Many small boards then work together like a collection of tiny servers.

Advertisement

Why Google wants old Pixel phones for cloud computing

The AI boom has created a huge appetite for computing power. Data centers need more chips, more electricity and more cooling. At the same time, billions of phones fall out of use around the world.

This Google-backed project takes that conversation in a different direction by asking whether some useful computing can come from hardware we already made.

The project focuses on embodied carbon. That means the emissions created before a device ever turns on. Mining, manufacturing and shipping all add to that carbon footprint.

If a phone motherboard already exists, reusing it can avoid some of the environmental cost tied to manufacturing new hardware. Google says the motherboard accounts for about half of a phone’s embodied carbon, which makes it the most valuable part to recover.

How retired smartphones become low-carbon servers

You cannot plug a pile of old phones into a rack and call it a data center. The process requires careful teardown, new software and a way to manage many boards at once. Google says the project uses containerized applications managed by Kubernetes. That helps coordinate the work across many devices.

Advertisement

The phones are organized into self-managing clusters of about 25 to 50 boards. Each board works as a small Linux machine. Together, they can handle tasks that would otherwise run on traditional cloud servers. That does not make one phone equal to one server. A server has many more processor cores, more memory and data center-grade hardware. A phone board has fewer resources and tighter limits. Still, some jobs do not need a giant machine. They need enough compute to run efficiently without wasting resources.

GOOGLE ENGINEER STOLE AI SECRETS FOR CHINA, SENATE HEARS IN EXPLOSIVE TESTIMONY

Google and UC San Diego are testing a cloud computing system built from retired Pixel phone motherboards, giving old smartphones a possible second life. (Google)

Can old phone processors handle cloud workloads?

The technical case is stronger than you may expect. Google says the single-threaded performance of modern smartphone performance cores can match or beat the per-core performance of some modern multicore servers. In one comparison, a 2023 Pixel Fold was tested against an ASUS RS720A-E11 server using SPEC benchmarks. The Pixel Fold’s performance cores beat the baseline data center server core on many of the tests. That sounds impressive, but there is an important catch.

A smartphone board has a smaller memory limit and fewer cores. It also lacks the management tools and hardware durability that servers are built around. So the project needs the right workloads.

Advertisement

UC San Diego is starting with educational and research computing. That makes sense because many classroom tasks can run on small cloud instances. Google says early experiments showed that a 20-phone cluster could support peak submission rates for a class of more than 75 students. The grading latency also came in below the default AWS backend used in the comparison.

Why UC San Diego is testing a 2,000 Pixel phone data center

UC San Diego plans to use the 2,000-phone cluster to support computer science classes and research workloads. Google says the deployment could support about 100 classes at once. It also describes the system as providing about 50 server-equivalents worth of compute at a fraction of the usual cost.

For a university, that could be a major advantage. Cloud computing costs can rise quickly, especially when many students submit assignments at the same time. If a reused phone cluster can handle some of that load, schools may save money while reducing demand for newly manufactured servers.

This also gives researchers a chance to test phone-based computing at scale. A small lab demo can look promising. A 2,000-board deployment will show much more about reliability, maintenance and day-to-day performance.

Phone cluster computing still has big limits

Phone cluster computing sounds promising, but it still has a lot to prove. Your smartphone was made for daily use in your hand, not nonstop work inside a data center. Data center servers are built to run for years with steady cooling, fast repairs and constant monitoring. Phone motherboards come from devices made for pockets, backpacks and kitchen counters. That alone raises some big questions.

Advertisement

The boards could fail faster than expected. Cooling may also become a challenge once thousands of tiny processors run side by side. Then there is the labor problem, because someone has to safely remove batteries, screens and other parts before the boards can be reused. Cost will be the deciding factor. If teardown, maintenance and replacement work get too expensive, this idea may stay in the research lab.

Phone clusters also will not replace the massive GPU systems that power advanced AI training. They make more sense for smaller cloud jobs, classroom tools and research tasks that fit within smartphone hardware limits. That still leaves plenty of useful work. After all, not every cloud task needs the newest chip.

Why old smartphones could help cut e-waste

The world’s e-waste problem is growing fast. The Global E-waste Monitor projects that electronic waste could climb to 82 million tonnes by 2030, while formal collection and recycling rates are expected to fall to 20%. Old phones are a big part of that problem because many never make it to a proper recycling program. They sit in drawers, land in closets or get tossed out with valuable parts still inside. Even when a phone no longer feels useful to you, its processor, memory and storage may still have work left to do.

CyberGuy has covered related second-life ideas before, including old smartphones being turned into tiny data centers and repurposed EV batteries helping power AI data centers. The common theme is hard to ignore. Some of the hardware already in circulation may still have useful work left to do.

FIVE DATA BROKER OPT-OUT MYTHS THAT LEAVE RETIREES EXPOSED

Advertisement

Google says reusing smartphone motherboards could cut hardware waste and reduce the carbon cost of building new data center servers. (Yawar Nazir/Getty Images)

How to safely recycle or reuse your old phone

This research does not mean you should toss your old phone into a random donation bin tomorrow. Before you recycle, donate, trade in or sell an old phone, you need to protect your data. Back up anything you want to keep. Then sign out of your accounts and securely wipe the device.

CyberGuy has a helpful guide on how to securely get rid of your old cell phone. Privacy comes first whenever you part with a device.

You can also consider trade-in programs, certified refurbishers or reputable electronics recycling programs. If the phone still works, buying refurbished can also keep devices in use longer. CyberGuy has covered what to know before buying refurbished electronics, which is helpful if you want to save money without taking a gamble. The key is to avoid letting old devices sit forgotten forever. A phone in a drawer helps no one.

What this means to you

That old phone in your drawer may not be as useless as it looks. Even if the battery is tired or the camera feels outdated, the processor inside may still have real value.

Advertisement

Now, you probably will not be mailing your old phone to a Google data center anytime soon. Still, this project points to a bigger shift in how we think about retired tech. Instead of sending every old device straight to recycling or letting it collect dust, companies, schools and researchers may find smarter ways to reuse the parts that still work.

There is also a money lesson here. If your current phone still runs well, you may not need to rush into an upgrade just because a newer model comes out. A battery replacement, trade-in or refurbished option could save you money while keeping perfectly good hardware in use longer. To me, that is the real takeaway. The phone you forgot about could possibly still have a job to do.

Watch the CyberGuy Live replay: Lock Down Your Phone in 30 Minutes

Your phone holds your email, passwords, photos, banking apps and personal data. In this free CyberGuy Live replay, Kurt the CyberGuy walks you step by step through simple phone security fixes you can do at your own pace. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Watch the replay and get our checklist here: CyberGuyLive.com.

Kurt’s key takeaways

Google and UC San Diego are testing how to turn retired Pixel phone motherboards into a low-carbon cloud computing platform. The project could give old smartphones a second life while reducing the need for newly manufactured servers. That is important as AI data centers keep demanding more computing power and more electricity. The first major test is expected in fall 2026 with a 2,000-phone data center at UC San Diego. If it works, the cluster could support students and researchers at a lower cost than traditional cloud infrastructure. However, this idea still has to prove it can handle the grind of daily use. Reliability, cooling, teardown labor and maintenance will determine whether phone cluster computing can grow beyond just research. To me, the most relatable part is sitting in your junk drawer. That old phone may seem useless, but its processor could still be powerful enough to help run cloud jobs. Maybe the future of computing starts with hardware we already forgot we owned.

Would you feel good knowing your old phone could help power cloud computing? Let us know by writing to us at CyberGuy.com.

Advertisement

CLICK HERE TO DOWNLOAD THE FOX NEWS APP

Sign up for my FREE CyberGuy Report

  • Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox.
  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Copyright 2026 CyberGuy.com. All rights reserved.

Advertisement
Continue Reading

Technology

Google’s Nest Thermostat has hit its best price of the year

Published

on

Google’s Nest Thermostat has hit its best price of the year

If you’re looking for a relatively affordable way to cut down on cooling costs, Google’s Nest Thermostat can help. It’s packed with smart controls and energy-saving features, and right now it’s on sale in white for $79 ($50 off), which is its best price of the year, at Amazon.

The smart thermostat is quick to install and makes it easy to adjust your home’s temperature whether you’re relaxing in bed or on your way home thanks to the Google Home app. You can also create schedules and control it with your voice using Google Assistant, Alexa, or another Matter-compatible voice assistant.

Once it’s set up, the Nest Thermostat can automatically turn the temperature down when you’re away to help reduce unnecessary energy use, while Google’s Savings Finder feature suggests additional ways to save over time. It also monitors your HVAC system and can alert you if something doesn’t seem right, making it easier to stay on top of maintenance before small issues become bigger, more expensive ones. If you’re eligible, Nest Renew can also automatically shift some of your heating and cooling to times when electricity is cleaner or cheaper.

That said, this is Google’s entry-level model from 2020, so you do miss out on some of the premium features found on the latest Nest Learning Thermostat. Unlike the flagship version, it won’t learn your schedule automatically over time, for example, and lacks support for Nest Temperature Sensors that let you prioritize the temperature in a specific room. Even so, if all you want is an easy way to adjust your home’s temperature remotely and potentially lower your energy bills, the Nest Thermostat is still a solid investment at this price.

Continue Reading
Advertisement

Trending