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How Android malware lets thieves access your ATM cash

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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.

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

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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.

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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.

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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.

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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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The man behind the legendary MPC, Roger Linn, stays focused with a single browser tab

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The man behind the legendary MPC, Roger Linn, stays focused with a single browser tab

Roger Linn is a legend in the world of musical instruments. He’s been at the cutting edge of music technology for decades. He created the LM-1, the first drum machine to use samples, and its successor, the LinnDrum, is one of the most iconic drum machines of all time. They were used on countless records in the 1980s, including hits by Tom Petty, Queen, and Tears for Fears. But the most notable fan was probably Prince, who used them extensively on Purple Rain and 1999.

Somehow, those are not his greatest contributions to the music world. That would, undoubtedly, be the MPC. Linn partnered with Akai to create one of the most popular and important samplers ever. The MPC60 and its successors became the tool of choice for countless hip-hop and house producers. J Dilla’s MPC 3000 even sits in the Smithsonian.

Roger Linn was also an early adopter of MPE, or MIDI polyphonic expression. It’s a key feature of his LinnStrument, an expressive 3D controller released in 2014 — three years before the Association of Musical Electronics Industry (AMEI) officially released the MPE standard. Turns out the man stays so innovative by keeping things simple and focused.

What is your most indispensable tool?
My MacBook Pro.

Which is the most underappreciated?
My Vision Pro. I called it the most amazing product I rarely use.

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What is the first app you install on a new phone or computer?
On a computer, Rhino3D.

What is one thing you wish you could change about your phone?
Apple Mail’s bugs.

What sites do you have pinned to your tab bar?
New York Times.

How many tabs do you have open right now?
One. This document.

Which social media platform do you use the most (if any)?
I don’t use social media except to announce my monthly “All Things LinnStrument” email newsletter.

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What is your happy place online?
A VR app for the Meta Quest called Walkabout Mini Golf. It was a large number of artistically created open VR worlds that offer a surprising level of beauty from the Quest 3’s limited power. I go there to play a game of mini golf, fly around, or meet friends in a private instance of a particular world.

What is your favorite gadget you’ve ever owned?
I don’t know about “ever”, but these days it’s VR headsets, currently the Meta Quest 3 or Apple Vision Pro.

Which was the most disappointing?
In general, I’m disappointed by products that are designed by engineers who assume their customers are engineers.

What game do you have the fondest memories of?
Myst.

Which tech trend do you wish would go away?
Spam.

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What creation are you most proud of?
LinnStrument.

What’s the best piece of advice you’ve ever received?
Keep it simple.

What is your current obsession?
VR.

What do you do when you need to focus?
Breathe. Calm down.

What do you do when you’re feeling stuck?
I try to shift my perspective.

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When was the last time you went somewhere without your phone?
I never go anywhere without my phone. Maybe swimming.

What’s the last piece of physical media you bought?
That would be a long time ago. I’ve only bought books, music, films, etc. in digital form for a long time.

What do you think is worth splurging on?
If someone made a VR headset with retina resolution, very high power, lots of beautiful open worlds, but it was expensive, I’d probably buy it.

What would the tagline for your biopic be?
“He created tools that allowed musicians to make better music.”

What’s the last GIF or meme you used?

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This isn’t a GIF, but maybe it’s a meme:
( ͡° ͜ʖ ͡°)

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Robot mower flaw could open your home network

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Robot mower flaw could open your home network

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A robot mower sounds like the kind of yard tool that should make life easier. It cuts the grass, saves you time and quietly handles a chore most people would rather avoid.

But a new independent security report raises a bigger concern about what may be happening behind the scenes. Security researcher Andreas Makris says Yarbo robots, which include autonomous lawn mowers and snow blowers, contained serious flaws that could expose owners to remote access, live camera viewing and Wi-Fi credential theft. The report says roughly 6,000 robots are currently affected.

Yarbo has since responded through its Security Center, saying the core technical findings are accurate and that it has started rolling out security fixes. Still, the report raises important questions about how much access smart yard devices should have inside your home network.

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SMART HOME HACKING FEARS: WHAT’S REAL AND WHAT’S HYPE

A robot mower connected to home Wi-Fi can create security risks if remote access controls are weak or unclear. (Yarbo)

Yarbo robot security risk: What the report claims

Makris says Yarbo robots ship with a persistent remote access setup that uses a tunnel to reach the robot over the internet. According to the report, the robots also include a hardcoded root password shared across the fleet and a remote connection method tied to the robot’s serial number. That is important because “root” access gives someone deep control over the device. In simple terms, it can mean administrator-level access to the system inside the robot. The report also says the remote tunnel runs automatically, can restart itself if stopped and may return if removed. That raises a major concern for owners because they may not have a simple switch in the app to shut it off.

Why a robot mower could put your home network at risk

Smart devices often need internet access to work. App controls, software updates, diagnostics and support all depend on that connection. However, Makris claims Yarbo’s setup creates a much riskier situation. He says remote access appears to be built into every robot, rather than turned on only when an owner asks for help. The report says an attacker with the right information could potentially reach a robot remotely, access internal functions and use it as a foothold on the owner’s network. So while a robot mower may seem harmless as it cuts grass, rolls through the yard or parks near the garage, that same machine can also connect to your Wi-Fi, carry cameras and sit close to your home every day.

5 WORRISOME PRIVACY CLAUSES HIDDEN IN SMART HOME DEVICES

The Yarbo report raises concerns about remote access, live camera feeds and saved Wi-Fi credentials on connected yard robots. (Yarbo)

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Yarbo camera access concerns for homeowners

According to the report, Yarbo robots can have multiple camera feeds. Makris says that if someone gained root access through the remote tunnel, they could potentially view the robot’s surroundings remotely. That could include a driveway, backyard, entryway, garage area or outdoor space where your family spends time. For homeowners, this concern goes beyond a glitch. A camera-equipped device outside your home deserves the same scrutiny as a camera inside your home.

How saved Wi-Fi passwords could be exposed

The report also says an attacker with root access could retrieve saved Wi-Fi credentials from the robot’s system. That would be a serious issue because many homes use one main Wi-Fi network for phones, laptops, tablets, smart TVs, security devices and more. Once someone has your Wi-Fi password, the risk can spread. They may try to reach other connected devices or look for weak spots that were never meant to face the internet. This is why connected outdoor equipment should never get a free pass. A lawn robot may be housed outside or in the garage, but its network access can reach inside.

What Yarbo says now

After Makris published his report, Yarbo posted a response to its Security Center page on its website. The company said the report identified serious vulnerabilities in its remote diagnostic, credential management and data-handling systems. Yarbo co-founder Kenneth Kohlmann also said the “core technical findings are accurate” and acknowledged that the company’s initial response did not reflect the seriousness of the issues.

Yarbo says the problems primarily involved historical design choices in parts of its remote diagnostic, access management and data-handling systems. The company also said some legacy support tools did not give users enough visibility or control. Yarbo said some authentication and credential systems did not meet its current security expectations.

A NEW SECURITY SEAL OF APPROVAL IS COMING TO YOUR SMART HOME GADGETS

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Security experts recommend keeping smart yard devices on a guest network instead of your main home Wi-Fi. (Yarbo)

What Yarbo says it has fixed

Yarbo says it has taken several remediation steps since the report was published. According to the company, it has retired historical fleet-level root credentials, revoked shared FRP remote-access credentials and disabled related FRP server-side connection paths.

The company also says updated versions of the Yarbo mobile app no longer contain static credentials or embedded access mechanisms capable of directly authenticating against backend services. Yarbo says it has removed reporting scripts, legacy dependencies and non-essential network configurations that no longer served a necessary product function.

However, Yarbo says more work remains. The company says it is rebuilding its credential management system so any remaining shared-credential models can be replaced with individually scoped, per-device credentials. Each credential would support independent rotation and revocation.

Why Yarbo data connections raise privacy questions

The report also points to connections involving Hanyangtech, Yarbo’s Shenzhen-based parent company, along with ByteDance Feishu, Tencent TDMQ and Chinese DNS resolvers. Makris says some robot telemetry can be sent to ByteDance’s Feishu platform and that certain infrastructure choices are built into the firmware.

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Yarbo now says it has removed reporting scripts, legacy dependencies and non-essential network configurations that no longer served a necessary operational or product function. The company also says historical servers and legacy access channels will continue to be phased out as part of its remediation work.

The core issue is transparency. Owners should know where their devices send data, which companies can access it and whether those connections are essential for normal use. That level of clarity matters even more for devices with cameras, location data and access to home networks.

What this means for you

If you own a Yarbo robot, this report means you should treat it like any other connected device with cameras, location data and access to your home Wi-Fi. Yarbo says it is pushing security updates automatically to connected devices. That means owners should connect their Yarbo long enough to receive the latest security update. After that, consider moving it back to a guest network or an isolated smart-device network.

CyberGuy reached out to Yarbo, and a representative said the company encouraged readers to refer to the Security Center at yarbo.com/pages/yarbo-security-center for the latest verified information and ongoing updates.

How Yarbo owners can reduce the risk

You may not be able to control everything happening inside the robot, but you can take a few practical steps to limit what it can reach on your home network.

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1) Put the robot on a guest network

Do not keep your robot mower on the same network as your laptop, phone or security cameras. Use a guest network or a separate smart-device network if your router supports it.

2) Change your main Wi-Fi password if you are concerned

If your robot has connected to your main Wi-Fi and you are worried about exposure, change the Wi-Fi password. Use a strong, unique password and store it in a trusted password manager so you do not have to reuse or remember it. Then reconnect only trusted devices. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com

3) Check your router for unknown devices

Open your router app or admin page and review connected devices. Look for anything unfamiliar. Remove devices you do not recognize.

4) Limit what the robot can access

Some routers let you isolate guest devices. Turn that on when available. This can keep the robot from seeing other devices on your network.

5) Ask Yarbo for specific answers

Owners should ask what remote diagnostic access remains, whether credentials are now unique per robot and whether the company will provide a true off switch for remote diagnostics.

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6) Keep the robot updated, but stay cautious

Yarbo says security updates are delivered automatically once devices connect to the internet. Connect the robot through a guest network or an isolated smart-device network so it can receive the latest update without giving it access to your main devices.

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Kurt’s key takeaways

The Yarbo report is a reminder that convenience can come with hidden access. A robot mower may seem like a helpful yard tool, but under the hood, it can act like a connected computer with cameras, location data and a path into your network. The biggest concern is control. Owners need to know who can reach their devices, when remote access turns on and whether they can shut it off. A company should not expect you to trust a black box sitting on your Wi-Fi. If you own one of these robots, isolate it from your main network and push Yarbo for clear answers. If you are shopping for any smart yard device, ask about security before you ask about battery life.

Would you let a smart yard robot onto your Wi-Fi if the company could not clearly explain who can access it and when? Let us know by writing to us at Cyberguy.com

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Copyright 2026 CyberGuy.com. All rights reserved.

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Google’s AI search is so broken it can ‘disregard’ what you’re looking for

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Google’s AI search is so broken it can ‘disregard’ what you’re looking for

Google’s AI Overviews are running into an interesting problem right now. Earlier on Friday, if you searched for the term “disregard,” the AI Overview section would include a response like what you’d see from a more traditional AI chatbot instead of the typical AI summary, as spotted on X. As you can see in the image at the top of this story, I got an AI Overview response that said, “Got it. If you need anything else or have a new question later, just let me know!”

As of Friday afternoon, however, Google isn’t showing an AI Overview for the term “disregard” at all — instead, it shows a list of news stories about the issue first. Google hasn’t replied to our requests for comment. In a statement to Android Authority, a spokesperson said that “We’re aware that AI Overviews are misinterpreting some action-related queries, and we’re working on a fix, which will roll out soon.”

AI Overviews haven’t just been tripping up over the word “disregard.” When searching for “ignore,” Google’s AI Overview section showed the following message to a Verge colleague:

Message received! I’m here and ready to help. What would you like to focus on today? Just let me know if there’s a specific topic, task, or question you’d like to explore.

When they searched “skip,” the AI Overview section said:

It looks like your message was just a test or a typo! Feel free to ask a question, share a prompt, or let me know how I can help you with your tasks today. I’m ready whenever you are!

As of Friday afternoon, Google is still showing me AI Overviews with broken responses when I search for “ignore” and “skip.”

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As funny as this all is, it’s almost certainly just some kind of bug — I expect Google will fix it soon enough. Maybe Google Search itself is tired after everything that happened at Google I/O.

Updates, May 22nd: Google now isn’t showing AI Overviews for “disregard.” Also added a Google statement.

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