Technology

How Android malware lets thieves access your ATM cash

Published

5 months ago

November 25, 2025

Press Room

How Android malware lets thieves access your ATM cash

NEWYou can now listen to Fox News articles!

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.

Sign up for my FREE CyberGuy Report
Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.

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.

CLICK HERE TO DOWNLOAD THE FOX NEWS APP

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

Click to comment

Technology

YouTube’s mobile app finally lets you share timestamped videos

Published

11 hours ago

April 16, 2026

Press Room

YouTube’s mobile app finally lets you share timestamped videos

YouTube is making some changes that might affect how you share videos from the mobile app. From the app, you can finally share videos from a specific timestamp, which will make it easier to point someone to a part of a video you might want them to see while you’re on your phone. However, this change will replace the Clips feature that lets you make a shareable clip from a video.

You’ll still be able to watch any Clips that you’ve already made. But moving forward, “the ability to set an end time or include a custom description when sharing will no longer be available,” YouTube says. The company notes that while clipping is “important way for creators to reach new audiences,” it says that “a number of third-party tools with advanced clipping features and authorized creator programs are now available to do this across different video platforms.”

The company originally introduced the Clips feature in 2021.

Technology

Meta employee accused of accessing private images

Published

11 hours ago

April 16, 2026

Press Room

Meta employee accused of accessing private images

NEWYou can now listen to Fox News articles!

When you upload a photo to Facebook, you expect it to stay private unless you decide otherwise. That expectation just took a hit after a former employee of Meta was accused of accessing thousands of private images.

According to details confirmed by the company, the London-based employee allegedly created a program to bypass internal safeguards. Investigators say this may have allowed access to about 30,000 private Facebook images that were not meant to be viewed.

The individual is now under criminal investigation and is out on bail as authorities continue to review the case. Here’s how investigators say the access may have happened.

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.

META SMART GLASSES PRIVACY CONCERNS GROW

A former Meta employee is accused of accessing thousands of private Facebook images, raising new concerns about how user data is protected. (Fabian Sommer/picture alliance via Getty Images)

How the Meta employee allegedly accessed private images

Authorities believe the employee may have written a script to get around Meta’s internal detection systems. In simple terms, the system that should flag unusual behavior may not have caught the activity right away. This detail matters because large tech platforms rely on monitoring tools to detect suspicious access patterns. When those checks are bypassed, it raises questions about how internal access is controlled.

The investigation is being handled by the cybercrime unit of the Metropolitan Police in London. At the same time, security experts often point out that insider threats are difficult to eliminate. Even strong systems can be tested when someone inside the company misuses access.

What Meta says about the employee investigation

Meta says it discovered the improper access more than a year ago and took action after identifying the issue.

“Protecting user data is our top priority,” a Meta spokesperson told CyberGuy. “After discovering improper access by an employee over a year ago, we immediately terminated the individual, notified users, referred the matter to law enforcement and enhanced our security measures. We are cooperating with the ongoing investigation.”

Legal risks in the Meta private images case

Data protection experts say cases like this often come down to both intent and safeguards. If an employee accesses personal data without authorization, that can lead to criminal charges under data protection and computer misuse laws. However, the company’s responsibility depends on the protections it had in place. If proper safeguards existed, the focus usually remains on the individual.

If not, regulators may consider penalties or legal claims against the company. The Information Commissioner’s Office, the U.K.’s data privacy watchdog, has acknowledged the incident. The agency stressed that social media users should be able to trust how their personal information is handled.

Why the Meta investigation is drawing attention now

This case is unfolding at a time when scrutiny of major tech platforms is already high. Recent legal challenges have raised broader concerns about how companies protect users and manage risk. That context adds weight to this investigation. It reflects a larger conversation about privacy and accountability in the tech industry. As more people rely on digital platforms, expectations of data protection continue to rise. Incidents like this tend to reinforce those concerns.

META REPORTEDLY BUILDING AN AI VERSION OF MARK ZUCKERBERG TO INTERACT WITH COMPANY EMPLOYEES

Mark Zuckerberg walks through the U.S. Capitol after a meeting on March 26, 2026. Investigators in London say a former Meta employee may have used a script to bypass safeguards and view about 30,000 private Facebook images. (Tom Williams/CQ-Roll Call, Inc via Getty Images)

Simple ways to protect your private photos

Even though this case involves an insider, there are still simple steps you can take to better protect your photos and limit who can see them.

1) Check your Facebook privacy settings

You cannot control what happens inside a company, but you can limit how much of your personal content is exposed. Start by reviewing your Facebook privacy settings.

(Settings may vary depending on device and app version)

Mobile (iPhone/Android):
Facebook: Menu > Settings & privacy > Settings > Audience and visibility > Posts > Who can see your future posts > select Friends (or a custom audience) > Save

Desktop (Mac/PC):
Facebook: Profile picture (top right) > Settings & privacy > Settings > Audience and visibility section > Posts > Who can see your future posts > select Friends (or a custom audience) > Done

2) Review older photos and albums

Next, go through older photos and albums. Many people forget that photos shared years ago may still be visible under outdated settings.

(Settings may vary depending on device and app version)

Mobile (iPhone/Android):
Facebook: Menu > Settings & privacy > Settings > Audience and visibility > Posts > Limit who can see past posts > Limit who can see past posts > Limit past posts > confirm

Desktop (Mac/PC):
Facebook: Profile picture > Settings & privacy > Settings > Audience and visibility section > Posts > Limit who can see past posts > Limit past posts > confirm

And check individual albums:

Mobile (iPhone/Android):
Facebook: Go to your profile > Photos > Albums > select an album > tap Edit (top right) > Who can see this? > choose who can see it > Done

Desktop (Mac/PC):
Facebook: click your name on the left > Photos > Albums > select an album > click the three dots > Edit album > choose who can see it > Done

Not all albums can be changed, and some system albums have limited privacy options.

3) Be careful what you upload

It also helps to limit what you upload in the first place. Sensitive images, documents or anything you would not want widely seen may be better kept off social platforms entirely.

META AI EDITS YOUR CAMERA ROLL FOR BETTER FACEBOOK POSTS

Authorities are investigating whether a former Meta employee improperly accessed private Facebook photos that users never intended to share. (Gabby Jones/Bloomberg via Getty Images)

4) Turn on account activity alerts and two-factor authentication

You can also enable alerts for unusual account activity. While this case involves an insider, account alerts still help you spot unauthorized access to your own profile. You can also turn on two-factor authentication (2FA) to add another layer of protection to your account.

How to turn on account activity alerts

(Settings may vary depending on device and app version)

Mobile (iPhone/Android):
Facebook: Menu > Settings & privacy > Settings > Accounts Center > Password and security > Security Checkup > review and complete recommended security steps

Desktop (Mac/PC):
Facebook: Profile picture (top right) > Settings & privacy > Settings > Accounts Center > Password and security > Security Checkup > review and complete recommended security steps

How to turn on two-factor authentication

(Settings may vary depending on device and app version)

Mobile (iPhone/Android):
Facebook: Menu > Settings & privacy > Settings > Password and security > Two-factor authentication > choose text message or authentication app > follow prompts

Desktop (Mac/PC):
Facebook: Profile picture > Settings & privacy > Settings > Password and security > Two-factor authentication > choose text message or authentication app > follow prompts

5) Check third-party app access

Take a few minutes to review which apps have access to your Facebook account. Third-party apps can sometimes hold more access than you expect.

(Settings may vary depending on device and app version)

Mobile (iPhone/Android):
Facebook: Menu > Settings & privacy > Settings > Apps and websites > Active > tap an app > Remove

Desktop (Mac/PC):
Facebook: Profile picture (top right) > Settings & privacy > Settings > Apps and websites > Active > click an app > Remove

If you don’t see any apps listed or options like “Active,” it likely means you don’t have any connected apps to review.

What this means to you

If you use Facebook or similar platforms, this situation highlights something many people overlook. Even with strong safeguards, insider access still exists. Employees often need certain permissions to keep systems running. That creates a level of trust between users and the company.

When that trust is broken, it can feel personal. At the same time, there are still steps you can take on your end. Reviewing your privacy settings, limiting what you share and enabling security features can reduce how much of your content is exposed. It also shows why detection and response matter.

In this case, Meta says it identified the issue, removed the employee and notified users. Those steps can limit damage, but they do not erase the concern. The bigger takeaway is that privacy depends on both technology and human behavior. Systems can reduce risk, but they cannot remove it completely.

Take my quiz: How safe is your online security?

Think your devices and data are truly protected? Take this quick quiz to see where your digital habits stand. From passwords to Wi-Fi settings, you’ll get a personalized breakdown of what you’re doing right and what needs improvement. Take my Quiz here: Cyberguy.com

Kurt’s key takeaways

This case is still under investigation, and no final legal outcome has been announced. Even so, it highlights a risk many people rarely think about. Most privacy conversations focus on hackers. This situation is different. It shows how access from inside a company can create its own set of risks. Meta says it acted quickly by removing the employee, notifying users and strengthening its systems. Those steps matter, but they also show how much trust users place in the platforms they use every day. The reality is simple. Once you upload something online, you are trusting more than just the technology behind it.

If someone inside a company can access private data, how much control do you really have over what you share online? Let us know by writing to us at Cyberguy.com.

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.

Technology

Govee’s new LED Lightwall comes with its own self-standing frame

Published

23 hours ago

April 16, 2026

Press Room

Govee’s new LED Lightwall comes with its own self-standing frame

Govee has announced an upgraded version of its hanging Curtain Lights Pro that can instead be used nearly anywhere you have access to an outlet or large battery. At $449.99, Govee’s new Lightwall is more than twice as expensive as the $199.99 Curtain Lights Pro, but comes with more LEDs in a denser array and a self-standing aluminum frame that can be assembled in 10 to 15 minutes without the need for any tools.

When hung from its stand the Lightwall measures 7.9 feet wide and 5.3 feet tall and features 1,536 color-changing LEDs spaced about 1.96 inches apart in a 48 x 32 grid. It’s water-resistant, and with the ability to refresh at up to 35fps the Lightwall almost sounds like it could be used as a personal backyard Jumbotron, but it’s not designed for watching TV or movies.

The Lightwall instead connects to Govee’s Home app where you can select from over 200 preset scenes and simple animations, choose from 10 different music modes that generate lighting patterns matched to beats, or synchronize its colors to other Govee lighting products to create a cohesive mood.

The app can also use AI to create custom animated GIFs from simple text prompts, or you can take matters into your own hands and create custom designs by sketching in the app with your finger and stacking up to 30 layers of doodles. The Lightwall is smart home compatible and supports Matter, too, so in addition to managing it through Govee’s app you can control it using voice commands through smart devices with Google Assistant or Amazon Alexa.