Technology

How Android malware lets thieves access your ATM cash

Published

3 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.

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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)

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

Will Trump’s DOJ actually take on Ticketmaster?

Published

5 hours ago

February 23, 2026

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Will Trump’s DOJ actually take on Ticketmaster?

In mid-February, the Department of Justice lost its head antitrust enforcer — just weeks before it was scheduled to argue one of the year’s biggest anti-monopoly cases in court.

Antitrust Division chief Gail Slater announced her departure suddenly, via a post on her personal X account. But to those who follow the agency closely, it was far from surprising. For months, leaks about the division described tensions between Slater and her team with DOJ leadership, and President Donald Trump’s penchant for personal dealmaking raised questions about who would really call the antitrust shots.

Over the summer, two of Slater’s top deputies were fired for what the DOJ said was “insubordination.” One of them later described pushing back against a wireless networking deal between Hewlett Packard Enterprise (HPE) and Juniper Networks, peddled by “MAGA-In-Name-Only” lobbyists and DOJ officials. The week before Slater announced her departure, a third deputy also left the agency.

The timing drew extra scrutiny because Mike Davis, one of the lobbyists close to Trump who worked on the HPE-Juniper deal, is also reportedly working for Live Nation. Live Nation did not provide a comment on the reported connection. “What was happening implicitly before is now explicit,” one former DOJ official, speaking on background to discuss personnel matters, says of Slater’s sudden departure. “A lot of very powerful corporations have figured out that they can just push through fantasy deals and fantasy outcomes in ways that were impossible before, and all they have to do is pay.” After Slater posted about her departure, Attorney General Pam Bondi thanked her in a statement “for her service to the Antitrust Division which works to protect consumers, promote affordability, and expand economic opportunity.”

”A lot of very powerful corporations have figured out that they can just push through fantasy deals”

The DOJ and a group of what’s grown to 40 state attorneys general sued Live Nation-Ticketmaster in May 2024, seeking to break up the company they allege used anticompetitive practices to lock artists and venues into its orbit. By allegedly tying together different parts of its business, using exclusionary contracts, and threatening “financial retaliation” to keep new players out of the market, the company succeeded in driving up ticket prices for consumers, they argue. Live Nation said in a blog post at the time that the lawsuit “ignores everything that is actually responsible for higher ticket prices.”

With jury selection in the case slated to begin on March 2nd, many are left wondering if the DOJ will remain on the case. Should the agency settle and choose to no longer be involved in the trial, at least some of the 40 states who joined the DOJ in the initial lawsuit could — and likely would — continue to push ahead with the litigation. “We look forward to going to trial on March 2 against Live Nation,” California’s top antitrust enforcer, Paula Blizzard, said at an event the day of Slater’s announcement. Tennessee Attorney General Jonathan Skrmetti also plans to move forward with the states’ lawsuit, Capitol Forum reported.

The DOJ very well may remain a lead plaintiff. Omeed Assefi, who is taking over Slater’s role in the interim, pledged to continue her agenda, MLex reported. As of February 17th, he has said the case is strong and favors trial, according to Capitol Forum. Global Competition Review also reported last week that Assefi encouraged staff to look to his work on criminal antitrust enforcement as a guide to how he’ll lead the division. “Ask them how I feel about settling cases in lieu of trial,” he reportedly said. “Ask them how I feel about accepting half measures and mere monetary penalties in lieu of seeking justice.”

But Slater, too, was known as a serious enforcer of antitrust law — and reports suggest her agenda was overruled.

“The states are no stranger to real politik”

In general, states are always prepared for changes in their trial partners, says Gwendolyn Lindsay Cooley, former Wisconsin antitrust chief and chair of the National Association of Attorneys General Multistate Antitrust Task Force. (Cooley agreed to speak generally about the role of state enforcement and not about the Live Nation case in particular, which Wisconsin was part of during her time there.) “The states are no stranger to real politik,” Cooley says. State enforcers understand that priorities and personnel can change with administrations, either in state offices or at the DOJ. This can require changes, like reassigning the most seasoned lawyers to fill gaps left by federal attorneys. But Cooley says there are plenty of experienced litigators in the states. “My understanding from talking with states generally is that this is something they were prepared for, and so should be able to take this in stride,” Cooley says.

The T-Mobile-Sprint merger litigation may serve as a guide. After Trump’s DOJ approved the merger, some states settled their cases, but others continued a fight to block the merger. In the end, however, they failed — a court let the merger close anyway.

States could be more aggressive in pursuing the Live Nation-Ticketmaster trial. The company has been widely criticized by musicians and concertgoers alike, including after infamously bungling a Taylor Swift ticket presale in 2022. In an interview with Bloomberg, attorneys general for California and Connecticut said they’d maintain a high bar for settling. “Any resolution that is politically motivated or impacted, or any settlement that comes from trying to placate the president or meet his demands is not likely to fly with Connecticut or California either,” Connecticut AG William Tong said.

In fact, citizen complaints about Ticketmaster are among the top 10 things state AGs commonly hear about, according to Cooley. “That’s something that the state AGs are going to be really paying attention to.”

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Lauren Feiner

Technology

Spyware can hijack your phone in seconds

Published

5 hours ago

February 23, 2026

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Spyware can hijack your phone in seconds

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You already know malware is out there. You hear about phishing emails, fake apps and data breaches almost every week. But every so often, something comes along that feels more personal. ZeroDayRAT spyware is one of those threats.

If your device gets infected, attackers can see almost everything happening on your phone. That includes your messages, notifications, location and even live camera feeds. Let that sink in for a second.

This is not some clunky virus from years ago. Security researchers at iVerify, a mobile security and digital forensics company, describe it as a complete mobile compromise toolkit. And it works on both iPhone and Android devices.

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ZeroDayRAT spyware can secretly access messages, camera feeds and banking apps on infected iPhone and Android devices. (Stefan Sauer/picture alliance via Getty Images)

What makes ZeroDayRAT spyware so dangerous?

Many types of malware focus on one goal. Some steal passwords. Others spy on text messages. ZeroDayRAT spyware goes much further.

Once installed, the infected device starts transmitting data back to a central dashboard controlled by the attacker. From there, they get:

A full stream of incoming notifications
A searchable inbox of text messages
Device model and operating system details
Battery level and lock status
Network activity and app usage

In other words, they can build a detailed profile of your daily life. Reports say the dashboard even shows a live activity timeline. That timeline reveals who you talk to most, which apps you use and when you are most active online. For anyone who values privacy, that is chilling.

It can watch and listen in real time

Here is where things get even more disturbing.

ZeroDayRAT spyware includes keylogging and live surveillance tools. That means attackers can:

Capture every keystroke with context
See which app you opened
Track how long you spent inside it
Record gestures and inputs
Access your microphone
Activate your front or rear camera
View your screen in real time

Imagine someone watching your screen as you log into your bank account. Or listening while you have a private conversation. This is not a hypothetical capability. According to reporting, those features are built directly into the platform.

Your banking and crypto apps are targets too

Many people assume mobile malware only steals passwords. ZeroDayRAT spyware goes after money directly. It reportedly includes tools designed to target digital payment and banking apps such as Apple Pay and PayPal. It can also intercept banking notifications and use clipboard injection to redirect cryptocurrency transfers to the attacker’s wallet.

Even without full remote control of your phone, that level of access is enough to drain accounts and steal digital assets. And here is another troubling detail. Reports indicate the platform is openly sold on Telegram, which lowers the barrier for would-be cybercriminals. You do not need advanced hacking skills to use it. That combination of power and accessibility makes this threat especially concerning.

Why Apple and Google are tightening app rules

There is a reason Apple strongly discourages installing apps outside the App Store. Google is also exploring changes to how sideloading works on Android. When apps bypass official stores, security screening becomes weaker. That opens the door for spyware like ZeroDayRAT to sneak in. While no system is perfect, sticking to trusted app marketplaces dramatically lowers your risk.

How to tell if ZeroDayRAT spyware is on your phone

Advanced spyware is designed to stay hidden. You may not see a flashing warning that something is wrong. Still, your phone often gives subtle clues when something is off. Watch for these warning signs.

Unusual battery drain

Spyware that streams data, records audio or tracks location runs constantly in the background. If your battery suddenly drains much faster than normal, especially after no major app changes, that can be a red flag.

Phone overheating without heavy use

If your device feels hot even when you are not gaming or streaming video, background surveillance activity could be consuming resources.

Strange data usage spikes

Check your mobile data usage in settings. A sudden jump may indicate that your phone is transmitting large amounts of information to an external server.

Unknown apps or configuration changes

Look for apps you do not remember installing. On iPhone, check for unknown configuration profiles under Settings. On Android, review installed apps and device administrator permissions.

Unexpected login alerts

If you receive password reset emails or login alerts you did not trigger, assume your credentials may be compromised.

Microphone or camera indicators are activating randomly

Both iPhone and Android show visual indicators when the camera or microphone is in use. If those indicators appear when you are not actively using them, investigate immediately.

If you suspect spyware, do not ignore it. Back up essential data, perform a factory reset and restore only trusted apps. In severe cases, consult a mobile security professional.

149 MILLION PASSWORDS EXPOSED IN MASSIVE CREDENTIAL LEAK

Security researchers warn ZeroDayRAT functions as a full mobile surveillance toolkit sold openly online. (Photographer: Angel Garcia/Bloomberg via Getty Images)

How to remove ZeroDayRAT spyware from your phone

If you believe your phone may be infected, act quickly. Do not keep using it normally while you figure things out. Follow these steps.

1) Disconnect immediately

Turn off Wi-Fi and cellular data. This stops the spyware from sending more data to the attacker while you take action.

2) Change your passwords from a different device

Do not use the potentially infected phone to change passwords. Use a trusted computer or another secure device. Update passwords for email, banking, social media and payment apps first. Enable two-factor authentication (2FA) on every account. Consider using a password manager, which securely stores and generates complex passwords, reducing the risk of password reuse. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com

3) Run a trusted mobile security scan

Install and run strong antivirus software on your phone. Let it scan your device for malicious apps, suspicious configuration profiles or hidden spyware components. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong 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 for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

4) Remove suspicious apps and profiles

On iPhone, check Settings > General > VPN & Device Management for unknown configuration profiles. Delete anything you do not recognize. On Android, review installed apps and remove anything unfamiliar. Also, check device administrator settings and revoke access from unknown apps.

5) Back up essential data carefully

If you plan to reset your phone, back up only photos, contacts and critical files. Avoid restoring full system backups that could reintroduce malicious software.

6) Perform a factory reset

A full factory reset on your iPhone or Android is often the most effective way to remove advanced spyware. This wipes the device and removes hidden malware components. After the reset, reinstall apps manually from the official app store instead of restoring everything automatically. Before performing a factory reset, back up important photos, contacts and files, as this process permanently deletes everything stored on the device.

7) Monitor your financial accounts

Because ZeroDayRAT targets banking and crypto apps, watch your accounts closely for unusual transactions. Contact your bank immediately if you see suspicious activity.

When to replace the device

In rare cases, if the phone was deeply compromised or jailbroken, replacing the device may be the safest option. While that sounds extreme, protecting your identity and finances is worth more than the cost of a new phone.

Ways to stay safe from ZeroDayRAT spyware

The good news is that you still have control over your digital safety. Start with these practical steps to reduce your risk of infection and limit the damage if spyware ever targets your phone.

1) Avoid sideloading apps

Only install apps from the App Store or Google Play Store. Official stores screen apps for malicious code and remove threats when discovered. Do not download apps from links in emails or text messages. If an app asks you to install it from outside the store, treat that as a red flag.

2) Think before you tap and use strong antivirus protection

Do not click links from unknown senders. Even one tap can trigger a malicious download or redirect you to a fake login page. Install strong antivirus software on your mobile device. Good mobile security apps scan for spyware, block malicious websites and warn you about suspicious behavior in real time. Some also alert you if your personal information appears in known data breaches, which adds another layer of protection. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

3) Keep your phone updated

Install operating system updates as soon as they become available. Security updates patch vulnerabilities that spyware platforms like ZeroDayRAT try to exploit. Turning on automatic updates helps ensure you do not miss critical fixes.

4) Review app permissions regularly

Check which apps have access to your camera, microphone and location. Remove permissions that do not make sense. If a simple game wants constant microphone access, that should raise questions. Limiting permissions reduces what spyware can capture.

5) Use strong authentication

Turn on two-factor authentication (2FA) for banking, email and social media accounts. Even if spyware captures a password, that second verification step can stop attackers from logging in. Use a reputable password manager to create strong, unique passwords for every account.

6) Use a data removal service to reduce your exposure

Spyware operators often profile targets using personal data that is already available online. Data broker websites collect your phone number, address, relatives and more. A reputable data removal service can help remove your personal details from many of these sites. The less information criminals can gather about you, the harder it becomes to target you with convincing phishing attacks or social engineering. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com. Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

7) Do not bypass your phone’s built-in security protections

Some people modify their phones to remove manufacturer restrictions so they can install unofficial apps or customize the system. On an iPhone, this is called jailbreaking. On Android, it is known as rooting. While that may sound harmless, it removes important security safeguards that are designed to block spyware and malicious software. Once those protections are gone, threats like ZeroDayRAT have a much easier time installing and hiding on your device. Keeping your phone in its original security state adds a powerful layer of protection that most people never see but benefit from every day.

YOUR PHONE SHARES DATA AT NIGHT: HERE’S HOW TO STOP IT

Experts say the spyware can activate a phone’s microphone and camera without a user’s knowledge. (Karl-Josef Hildenbrand/picture alliance via Getty Images)

Kurt’s key takeaways

ZeroDayRAT spyware feels unsettling because it attacks something we rely on every day. Your phone holds your conversations, photos, financial apps and personal routines. When a single piece of malware can see your screen, hear your voice and track your location, the stakes get higher. The silver lining is this. Most infections still depend on user action. A bad link was clicked. A suspicious app was installed. A warning ignored. Staying cautious may not sound exciting, but it remains one of the strongest defenses you have.

Now here is the question worth asking. If spyware can already access your camera, messages and money in one package, are tech companies and app stores doing enough to protect you? Let us know your thoughts by writing to us at Cyberguy.com.

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Technology

Nothing couldn’t wait to show off the Phone 4A

Published

17 hours ago

February 23, 2026

Press Room

Nothing couldn’t wait to show off the Phone 4A

After teasing the upcoming launch of its midrange Phone 4A last week, Nothing has now revealed what the rear of the device looks like. An official render of the Phone 4A shared on X shows off the brand’s familiar transparent-industrial stylings, alongside a new “Glyph Bar” lighting feature located to the right of the triple camera island.

This Glyph Bar features nine individually controllable mini-LEDs that appear as a line of seven square lights — six white, and one red — replacing the three LED light strips that surround the camera on Nothing’s 3A devices. Nothing says that the Glyph Bar is 40 percent brighter than the previous A-series’ lights and uses patented tech to provide “a more natural, neutral, bleed-free glow.”

Nothing hasn’t shared much else about the Phone 4A series besides confirming it’ll be running a Snapdragon chip. Full specifications, price, and availability might not be announced until it launches on March 5th. Nothing CEO Carl Pei has confirmed that there won’t be a Phone 4 this year, however, so last year’s Phone 3 will remain the current flagship for now.