Technology

How Android malware lets thieves access your ATM cash

Published

2 months ago

November 25, 2025

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How Android malware lets thieves access your ATM cash

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Smartphone banking has made life easier, but it has also opened new opportunities for cybercriminals.

Over the past few years, we have seen Android malware steal passwords, intercept OTPs and even take remote control of phones to drain accounts. Some scams focus on fake banking apps, while others rely on phishing messages that trick you into entering sensitive details.

Security researchers have now discovered a new threat that goes a step further. Instead of simply stealing login information, this malware gives thieves the ability to walk up to an ATM and withdraw your money in real time.

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Android malware like NGate tricks users into downloading fake banking apps that steal sensitive data. (Kurt “CyberGuy” Knutsson)

How the NGate malware works

The Polish Computer Emergency Response Team (CERT Polska) discovered a new Android malware called NGate that uses NFC activity to access a victim’s bank account. This malware monitors contactless payment actions on the victim’s phone and forwards all transaction data, including the PIN, directly to a server controlled by attackers. It does not just copy card details. Instead, it waits until the victim taps to pay or performs a verification step, then captures the fresh, one-time authentication codes that modern Visa and Mastercard chips generate.

To pull this off, attackers need to infect the phone first. They typically send phishing messages claiming there is a security problem with the victim’s bank account. These messages often push people to download a fake banking app from a non-official source. Once the victim installs it, the app walks them through fake verification prompts and requests permissions that allow it to read NFC activity. As soon as the victim taps their phone or enters their PIN, the malware captures everything the ATM needs to validate a withdrawal.

MANAGE ANDROID APPS WITH THE NEW ‘UNINSTALL’ BUTTON

Once installed, the malware captures NFC tap-to-pay codes and PINs the moment the victim uses their phone. (Kurt “CyberGuy” Knutsson)

What attackers do with the stolen data at the ATM

The attackers rely on speed. The one-time codes generated during an NFC transaction are valid for only a short period. As soon as the infected phone captures the data, the information is uploaded to the attacker’s server. An accomplice waits near an ATM, holding a device capable of emulating a contactless card. This could be another phone, a smartwatch or custom NFC hardware.

When the data arrives, the accomplice presents the card-emulating device at the ATM. Since the information contains fresh, valid authentication codes and the correct PIN, the machine treats it like a real card. The ATM authorizes the withdrawal because everything appears to match a legitimate transaction. All of this happens without the criminal ever touching the victim’s physical card. Everything depends on timing, planning and getting the victim to unknowingly complete the transaction on their own phone.

Criminals use the stolen, time-limited codes at an ATM to make real withdrawals without the victim’s card. (Kurt “CyberGuy” Knutsson)

7 steps you can take to stay safe from Android NGate malware

As attacks like NGate become more sophisticated, staying safe comes down to a mix of good digital habits and a few simple tools that protect your phone and your financial data.

1) Download apps only from the Play Store

Most malicious banking apps spread through direct links sent in texts or emails. These links lead to APK files hosted on random servers. When you install apps only from the Play Store, you get Google’s built-in security checks. Play Protect regularly scans apps for malware and removes harmful ones from your device. However, it is important to note that Google Play Protect may not be enough. Historically, it isn’t 100% foolproof at removing all known malware from Android devices. Even if attackers send convincing messages, avoid installing anything from outside the official store. If your bank wants you to update an app, you will always find it on the Play Store.

2) Use strong antivirus software

One careless tap on a fake bank alert can hand criminals everything they need. Strong antivirus software can stop most threats before they cause damage. It scans new downloads, blocks unsafe links and alerts you when an app behaves in ways that could expose your financial data. Many threats like NGate rely on fake banking apps, so having real-time scanning turned on gives you an early warning if something suspicious tries to install itself.

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

ATM ‘JACKPOTTING’ CRIME WAVE GROWS AFTER THIEVES WALK AWAY WITH HUNDREDS OF THOUSANDS IN CASH

3) Keep your device and apps updated

Security patches fix vulnerabilities that attackers use to hijack permission settings or read sensitive data. Updates also improve how Android monitors NFC and payment activity. Turn on automatic updates for both the operating system and apps, especially banking and payment apps. A fully updated device closes many of the holes that malware tries to exploit.

4) Use a password manager to avoid phishing traps

Phishing attacks often direct you to fake websites or fake app login pages that look identical to the real thing. A password manager saves your credentials and fills them in only when the website or app is authentic. If it refuses to autofill, it is a clear sign that you are on a fake page. Consider using a password manager to generate and store complex passwords.

Next, see if your email has been exposed in past breaches. Our No. 1 password manager pick includes a built-in breach scanner that checks whether your email address or passwords have appeared in known leaks. If you discover a match, immediately change any reused passwords and secure those accounts with new, unique credentials.

Check out the best expert-reviewed password managers of 2025 at Cyberguy.com.

5) Turn on two-factor authentication for all financial services

Two-factor authentication gives you a second layer of protection, even if your password is compromised. App-based authenticators are more secure than SMS codes because they cannot be intercepted as easily. For banking apps, enabling 2FA adds friction for attackers trying to perform unauthorized actions. Combined with strong passwords from a password manager, it significantly reduces the chance of account takeover.

6) Ignore suspicious texts, emails and calls

Attackers rely on urgency to trick you. They often claim that your card is blocked, your account is frozen or a payment needs verification. These messages push you to act fast and install a fake app. Always pause and check your bank’s official channels. Contact the bank through verified customer care numbers or the official app. Never click links or open attachments in unsolicited messages, even if they look legitimate.

7) Review app permissions

Most people install apps and forget about them. Over time, unused apps pile up with unnecessary permissions that increase risk. Open your phone’s permission settings and check what each app can access. If a simple tool asks for access to NFC, messages or accessibility features, uninstall it. Attackers exploit these excessive permissions to monitor your activity or capture data without your knowledge.

Kurt’s key takeaway

Cybercriminals are now combining social engineering with the secure hardware features inside modern payment systems. The malware does not break NFC security. Instead, it tricks you into performing a real transaction and steals the one-time codes at that moment. This makes the attack difficult to spot and even harder to reverse once the withdrawal goes through. The best defense is simple awareness. If a bank ever urges you to download an app from outside the Play Store, treat it as an immediate warning sign. Keeping your phone clean is now as important as keeping your physical card safe.

Have you ever downloaded an app from outside the Play Store? Let us know by writing to us at Cyberguy.com.

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Kurt “CyberGuy” Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on “FOX & Friends.” Got a tech question? Get Kurt’s free CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com.

Related Topics:Android Apps cybercrime email Featured Hackers Security Smartphones

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Technology

Amazon’s New World: Aeternum MMO will shut down next year

Published

9 hours ago

January 15, 2026

Press Room

Amazon’s New World: Aeternum MMO will shut down next year

Amazon has announced that the servers for New World: Aeternum, one of the company’s MMOs, will be shut down on January 31st, 2027. The game will also be delisted and no longer available for purchase starting today, January 15th.

Last year, Amazon announced that it would be pivoting away from MMOs to put more of a focus on party games, and the company said at the time that it wouldn’t be releasing new content for New World: Aeternum and that the game’s servers would be active through 2026. But the longer-term future of the game was unclear, and now we know the official day everything will be shut down.

If you have already purchased New World: Aeternum, you can play it until it’s permanently taken offline. The Marks of Fortune in-game currency will be unavailable to purchase starting July 20th, 2026, and Amazon won’t offer refunds for it. And while there’s no new content coming to the game, “we will continue to monitor bugs and performance to ensure the game runs smoothly as things wind down,” Amazon says.

Technology

Can autonomous trucks really make highways safer?

Published

9 hours ago

January 15, 2026

Press Room

Can autonomous trucks really make highways safer?

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Kodiak AI, a leading provider of AI-powered autonomous driving technology, has spent years quietly proving that self-driving trucks can work in the real world. The company’s core system, the Kodiak Driver, brings software and hardware together in a practical way. As the company explains, “The Kodiak Driver combines advanced AI-driven software with modular, vehicle-agnostic hardware into a single, unified platform.”

That approach matters because trucking is not a closed lab environment. It is highways, weather, fatigue and long hours. Kodiak’s strategy focuses on solving those realities first.

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How public views on autonomous trucks are changing

During a recent episode of CyberGuy’s “Beyond Connected” podcast, Kurt spoke with Daniel Goff, vice president of external affairs at Kodiak AI, about how attitudes toward autonomous trucks have shifted over time.

WILL AUTONOMOUS TRUCKS REPLACE DRIVERS BY 2027?

Autonomous trucks are already hauling freight on public highways as companies test how the technology performs in real-world conditions. (Kodiak)

Goff described how different the reaction was when the company first launched. “Kodiak was founded in 2018, and I joined in 2019. When I first started at the company, I said I worked for a company that was working to build trucks that drive themselves, and people kind of looked at me like I was crazy. Over the last few years, we’ve really seen autonomous vehicles capture the public’s imagination. We’ve seen them grow in the real world. I think that people are getting more used to this idea.”

For Goff, that shift has come from seeing the technology operate safely outside of test environments, where performance matters more than hype.

Why autonomous trucks could improve road safety

One of Kodiak AI’s central arguments is simple. Machines avoid many of the risks that come with human driving. “We think there are advantages to this technology that humans, myself included, can’t match. You know this technology doesn’t get distracted. It doesn’t check its phone. It doesn’t have a phone. It doesn’t have a bad day to take it out on the road. It doesn’t speed. It doesn’t know how to speed. You know they’re pretty boring drivers.” In trucking, boring is often a good thing.

Where autonomous trucks are already operating today

Kodiak AI is already doing this on real roads. The company has been running active freight routes for years, not just testing in controlled settings. “Kodiak’s headquarters are in Mountainview, California, but since 2019, we’ve had a command center in Lancaster, Texas, which is just south of Dallas. Since 2019, we’ve actually been delivering freight from that Lancaster hub to Houston, Oklahoma City and Atlanta with what we call a safety driver behind the wheel.”

Those real-world miles have helped Kodiak fine-tune its system in everyday traffic, weather and long-haul conditions.

Tractor trailers at the entrance of the Port of Baltimore in Baltimore, Maryland, on Tuesday, Oct. 8, 2024. (Nathan Howard/Getty Images)

The trucking problem Kodiak is trying to solve

Long-haul trucking is essential to the U.S. economy, but it is also one of the most demanding and risky jobs on the road. Drivers spend long stretches away from home, work extended hours and operate heavy vehicles in all conditions. As Goff put it, “Driving a truck is one of the most difficult and dangerous jobs that people do in the United States every day. You know, being a truck driver means, for at least a long haul truck driver, means you’re away from your family for sometimes days, weeks, even months at a time, sleeping in the back of the truck.”

He also pointed to federal safety rules that limit how long drivers can stay behind the wheel, which are meant to reduce fatigue but also restrict how much freight one person can move in a day. “If you’re driving the 11-hour legal maximum per day and there are people who love being long-haul truckers, but we’re not seeing people stepping up for those roles anymore in this country, and drivers are retiring every year.”

Those realities have contributed to ongoing driver shortages and growing pressure on the freight system. Kodiak believes autonomous technology is best used where the job is hardest and most repetitive. “The goal for this technology is really best suited for those really tough jobs. The long lonely highway miles, the trucking and remote locations where people either don’t wanna live or don’t or can’t easily live.”

Goff also highlighted how much capacity is lost simply because trucks sit idle for most of the day. “The average truck is driven about seven hours a day in the US, and you know there are 24 hours a day, so that’s a lot of time just sitting there.”

Autonomy, he said, could help change that math. “The goal of the technology is that you can basically run 24/7, just kind of stopping to refuel, to inspect the truck for safety, and you know, other than that, the trucks are moving.”

Long-haul trucking is one of the most demanding jobs on the road, which is why autonomous systems focus on long, repetitive highway routes. (Kodiak)

How many miles Kodiak AI has driven to prove safety

Kodiak AI emphasizes data over promises. “We’ve driven over 3 million miles with a safety driver behind the wheel for most of those miles, meaning somebody ready to take over at any time. So, we got a very good track record.” To put that into perspective, Goff added, “The average American drives about 800,000 miles in their lifetime, which seems crazy. That’s a lot of driving, but we’re at almost 4 average lifetimes with our system today, and we also use computer simulation, all sorts of things to assess the safety of the system.”

In addition to its long-haul operations, Kodiak AI works with Atlas Energy Solutions, which does oil logistics in the Permian Basin of West Texas and eastern New Mexico. As of Q3 2025, the company has delivered 10 driverless trucks to Atlas, which autonomously deliver sand up to 24 hours a day with no human operator in the cab. Goff says, “We see our work in the Permian as a perfect sandbox for our long-haul operations.”

The company has also sought third-party validation. “Additionally, we have done external-facing studies. We did a study with a company called Nauto, which is one of the leaders in AI-enabled dashcams. They actually help vehicle fleets compute safety scores from an outside perspective. Our system scored the highest ever in the Nauto safety score.”

THE ROAD TO PROSPERITY WILL BE PAVED BY AUTONOMOUS TRUCKING

Where autonomous truck regulations stand today

Policy is another key factor in adoption. “From a regulatory perspective. 25 states have passed laws allowing autonomous vehicle deployment.” Goff believes the danger of everyday driving makes the case clear. “I think people who think about transportation every day understand how dangerous driving a car is, driving a truck is, and just being on the road see the potential for this technology.”

What critics say about autonomous trucks

Autonomous trucking still raises concerns among safety advocates and everyday drivers. Critics question whether software can respond fast enough in emergencies, handle unpredictable human behavior or make judgment calls during complex highway situations.

Kodiak AI says those concerns are exactly why safety comes first. As Goff explained, “In this industry in particular, we really understand how important it is to be safe.”

The company argues that autonomous systems must earn trust over time through real-world performance, transparent testing and measurable results, not promises or hype.

What this means to you

For everyday drivers, autonomous trucks raise understandable questions. Sharing the road with a vehicle controlled by software can feel unsettling, especially when headlines often focus on what could go wrong. Kodiak’s argument is that safety improves when fatigue, distraction and emotional decision-making are removed from long highway driving. If the technology continues to perform as claimed, the impact could show up in quieter ways. That includes fewer tired drivers on overnight routes, more predictable freight movement and potentially safer highways over time. For consumers, it could also mean fewer delivery delays and less strain on a trucking system already short on drivers.

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Safety data, real-world miles and third-party reviews now play a central role in building trust in self-driving trucks. (Kurt “CyberGuy” Knutsson)

Kurt’s key takeaways

Autonomous trucking is not a future concept anymore. Kodiak AI is already moving freight and collecting real safety data on public roads. At the same time, skepticism remains healthy and necessary. Trust in this technology will rise or fall based on transparency, regulation and long-term performance, not promises. The real question is no longer whether self-driving trucks can operate. It is whether they can consistently prove they make roads safer for everyone who shares them.

Would you trust autonomous trucks more if they could show a better safety record than human drivers over time? Let us know by writing to us at Cyberguy.com.

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Technology

X claims it has stopped Grok from undressing people, but of course it hasn’t

Published

21 hours ago

January 15, 2026

Press Room

X claims it has stopped Grok from undressing people, but of course it hasn’t

Updates to [@]Grok Account

We have implemented technological measures to prevent the Grok account from allowing the editing of images of real people in revealing clothing such as bikinis. This restriction applies to all users, including paid subscribers.

Additionally, image creation and the ability to edit images via the Grok account on the X platform are now only available to paid subscribers. This adds an extra layer of protection by helping to ensure that individuals who attempt to abuse the Grok account to violate the law or our policies can be held accountable.

Geoblock update

We now geoblock the ability of all users to generate images of real people in bikinis, underwear, and similar attire via the Grok account and in Grok in X in those jurisdictions where it’s illegal.