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How to protect yourself from the Venmo, Zelle and Cash App scam that can wipe out your savings in seconds

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How to protect yourself from the Venmo, Zelle and Cash App scam that can wipe out your savings in seconds

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Imagine walking down the sidewalk and being confronted at gunpoint by a crook.  

Open the payment app on your phone and transfer out your hard-earned cash, or take a bullet in the head. That’s one phone cash ripoff scenario of many playing out in real-life America. 

Other cash app crimes are happening due to the vulnerability of an unlocked iPhone without the new Stolen Device Protection turned on in iOS. These are examples of how mobile payment apps can put your money and your life at risk. 

Do you use mobile payment apps like Venmo, Zelle or Cash App to send and receive money? If so, you’re not alone. These peer-to-peer payment services now handle an estimated $1 trillion in payments. And with that much money involved, there are also now a lot of fraud and scams going on, according to Alvin Bragg, the Manhattan district attorney. He says these apps are exposing many people to scammers and thieves and are costing them a lot of their hard-earned cash.

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Manhattan District Attorney Alvin Bragg (manhattanda.org)

In response, Bragg has written letters to the companies that own these apps, demanding they improve their security and protect their users from scams and thefts. His specific request is that they impose limits on transactions, require secondary verification of up to a day and better monitor unusual activity. He says he is requesting meetings with the companies to discuss these issues.

Venmo, Cash App and Zelle apps  (Kurt “Cyberguy” Knutsson)

How an unlocked device can lead to financial disaster and personal harm

Bragg’s letters describe how these financial apps enable criminals to access unlocked devices and exploit them for financial gain and identity theft, saying,

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“These crimes involve an unauthorized user gaining access to unlocked devices and then draining bank accounts of significant sums of money, making purchases with mobile financial applications, and using financial information from the applications to open new accounts.

“Offenders also take over the phone’s security by changing passwords, recovery accounts, and application settings. The ease with which offenders can collect five- and even six-figure windfalls in a matter of minutes is incentivizing a large number of individuals to commit these crimes, which are creating serious financial, and in some cases physical, harm to our residents.”

MANHATTAN DA ALVIN BRAGG CALLS FOR CASH APPS TO CRACK DOWN ON FRAUDSTERS

What are the mobile payment apps doing to prevent fraud?

The companies that own these apps have responded to Bragg’s comments and said that they are doing their best to provide a safe and reliable service to their customers. We reached out to all three companies. Here are their responses to us.

“PayPal and Venmo take the safety and security of our customers and their information very seriously. In addition to proactively leveraging sophisticated fraud detection tools, manual investigations, and partnering closely with law enforcement agencies to protect our customers against common scams, we have several options in place to enable enhanced layers of security and protection directly within our apps.” — PayPal and Venmo spokesperson

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“Cash App continues to be committed to building trust with our customers and investing in areas that help build a safe and secure platform. We work proactively and diligently to safeguard our customer’s money and mitigate against the risk of fraud on our platform through a combination of preventative controls like multi-factor authentication, account transaction limits, fraud detection, and consumer education. We also partner with law enforcement agencies to detect and combat criminal activity.” — Cash App spokesperson

“We are aware of isolated criminal incidents described in the Manhattan District Attorney’s letter. Providing a safe and reliable service to consumers is the top priority of Early Warning Services, LLC, the network operator of Zelle®, and our 2,100 participating banks and credit unions.  As a result of our continued efforts to build on Zelle’s strong foundation of security, less than one tenth of one percent of transactions are reported as fraud or scams, and that percentage keeps getting smaller. Our efforts include implementing industry-leading fraud and scam prevention measures for consumers like in-app safety notifications, and send limits and restrictions.” — Spokesperson for Early Warning Services, LLC, the network operator of Zelle 

What’s the problem with mobile payment apps?

Bragg says that he is seeing a lot of cases where people have lost money or had their personal information stolen by using these apps. He said that this is happening because of the way these apps work on your phone or tablet. Here are three ways that crooks can cheat you or steal from you using these apps.

1) Phishing: This is when someone pretends to be someone else and sends you a message or email asking you to send money or give them your account details. For example, you might get a message from someone who says they are your friend, family member or a charity and they need your help urgently. Or you might get an email from someone who says they are your bank, the IRS or a mobile payment app and they need you to verify your account or update your information.

2) Spoofing: This is when someone creates a fake profile or account that looks like a real one and tries to fool you into sending money or accepting a payment. For example, you might get a payment request from someone who says they are selling something online, but their name, photo, or username is slightly different from the real seller. Or you might get a payment from someone who says they are a buyer, but they are actually using a fake check or a stolen credit card.

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3) Device theft: This is when someone takes your phone or tablet and uses your mobile payment apps to take your money or make purchases without your permission. For example, someone might grab your phone while you are using it in public, or break into your car or home and take your device. Or someone might ask to use your phone for a legitimate reason, but then use it to access your mobile payment apps behind your back.

Woman on iPhone. (Kurt “Cyberguy” Knutsson)

MORE: STOLEN DEVICE PROTECTION IN LATEST IOS 17.3 UPDATE PROTECTS YOUR IPHONE EVEN MORE FROM CROOKS — THIS THIS ON ASAP

How can you protect yourself from mobile payment fraud?

Mobile payment apps have some security features to help protect you, but they are not enough, and you should not rely on them alone. You should also do these 10 things.

1) You should always access the payment app from the official app or website, and not from any third-party platforms or services.

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2) Look at the security settings that the payment app offers and make sure they’re all set to the highest and most protective settings.

3) You should create a strong, unique, and complex password for each of your mobile payment apps and change it often. Consider using a password manager to generate and store complex passwords.

4) Enable two-factor authentication, which means that you need to enter a code or use your fingerprint or face to unlock your account to prevent unauthorized access. This way, even if someone knows your password, they can’t log in without your device or confirmation.

5) Lock your device and log out of your apps. You should always lock your phone with a password, PIN, pattern, fingerprint or face. Never share your password, PIN or security code with anyone. You should also log out of your mobile payment apps after each use and turn off the auto-login feature. This way, even if someone takes or borrows your device, they can’t access your mobile payment apps without your approval.

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6) Verify the identity and legitimacy of the sender or receiver. You should always check the name, photo, username and contact information of the person or organization you are sending money to or receiving money from before accepting or sending any payment requests. You should also confirm the reason and amount of the transaction before you agree to it. If you are not sure or have any doubts, you should contact the person or organization directly through another way, such as a phone call, text message or email, but only if you know for sure that those forms of communication are legitimate. You should never send money or give your account details to anyone you don’t know or trust, or anyone who asks you to do so out of the blue.

7) Link your Venmo, Cash App and PayPal account to a credit card as opposed to a debit card, so you can dispute a charge from scammers more easily. Zelle does not allow credit card payments. However, keep in mind that linking a credit card to your payment app can provide additional protection in the event of fraud, but this can come with extra costs in terms of transaction fees. 

8) Try not to keep a balance in your money-transferring apps. You have a much better chance of being helped by your bank or credit card company when it comes to fraud than you do from a money-transferring app.

9) Never click on links from unknown sources, especially when an email or text appears to have come from the payment App. Protect yourself from accidentally clicking malicious links by running antivirus software on your device. Get my picks for best antivirus software here.

10) Monitor your account activity and report any suspicious or unauthorized transactions. You should set up notifications from your payment app and your bank via text or email, and check your account activity regularly. Look for any signs of fraud, such as payments you didn’t make or receive, or changes to your account settings or information.

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MORE: WATCH OUT FOR THIS ZELLE IMPOSTER SCAM ON FACEBOOK MARKETPLACE 

What to do if you believe you have been scammed on Zelle, Cash App or Venmo

1) If you notice any suspicious or unauthorized transactions, report them to the payment app as soon as possible. You can contact their customer support team or use the report feature on the app or website to report any scams, phishing attempts or unauthorized transactions. You can also block or unfriend any users who are involved in scams. 

2) Second, if you used your bank account or credit card to fund the transaction, contact your bank or credit card issuer to report the fraud and dispute the charge.

3) The third step is to change your password immediately to prevent further unauthorized transactions. Consider using a password manager to generate and store complex passwords.

4) Also, if you believe you have been scammed, you can file a complaint with the Federal Trade Commission (FTC) to report the fraudulent activity.

5) If you feel your personal data has been stolen, and you want a service that will walk you through every step of the reporting and recovery process, one of the best things you can do to protect yourself from this type of fraud is to subscribe to an identity theft protection company.  

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This service will monitor personal information like your home title, Social Security Number (SSN), phone number and email address and alert you if it is being sold on the dark web or being used to open an account. It can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white glove fraud resolution team where a U.S.-based case manager helps you recover any losses. Get my review of best identity theft protection software here.

6) Lastly, always report the scammer. If you have any information about the scammer, such as their name, phone number or email address, report it to the app company and the authorities.

Kurt’s key takeaways

Mobile payment apps are convenient and useful, but they also come with some risks that you are now aware of. By following these tips, you can protect yourself from mobile payment fraud and enjoy the benefits of these apps safely and securely.

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Do you think these payment apps are doing enough to protect you from scammers?  Let us know by writing us at Cyberguy.com/Contact

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

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

Answers to the most-asked CyberGuy questions:

Copyright 2024 CyberGuy.com. All rights reserved.

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MacBook Neo versus an old MacBook Air: good luck

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MacBook Neo versus an old MacBook Air: good luck

My first thought when Apple announced the MacBook Neo today was “okay, but why not just get an older Air?” If you’re thinking that too, you might be right. If you can find one.

The Neo starts at $599 with an A18 Pro processor, 8GB of memory, and 256GB storage, and ends at $699 with the same specs plus TouchID and 512GB of storage. It has two USB-C (not Thunderbolt) ports, a pretty basic-looking screen, a mechanical trackpad instead of haptic, and various other cost-saving measures. It’s the cheapest new MacBook you can get now.

The new M5 MacBook Air starts at $1,099 with 16GB of memory and 512GB of much faster storage, a bigger and brighter screen, a better webcam, better Wi-Fi and Bluetooth, more speakers, Thunderbolt 4, a faster charger, and so forth. It’s $100 more than last year’s model, probably because of the Neo. Or you can get an M4 MacBook Air for $1000, with a slightly slower processor than the M5 (but still faster than the Air), and otherwise pretty much the same specs.

If you could still get a new M1 Air from Walmart for $700, it’d be a pretty tough call between that and the Neo. That machine came out in 2020, but is still better in most respects. Unfortunately, they’ve been out of stock since last month — probably because of the Neo — so that’s the end of that. You can probably find a refurb one. Same with the M3 and M4: if you can find one for around the same price as the Neo, especially with 16GB of RAM, you should get one of those. But they’re pretty thin on the ground, and I’d expect them to become thinner. (Keep an eye on Apple’s refurb site, though — a refurb M4 Air for $750 is pretty dang good.)

The modern Air is unquestionably a better computer. The thing about $1,000 is it’s a lot more money than $600. $600 is already more than most non-Mac people want to spend on a laptop, but it’s a lot less than an Air, and the gap between the two is big enough that it’s harder to justify the jump unless you know you’re gonna need more than 8GB of RAM, if you’re ever gonna use Thunderbolt, and so forth. I wouldn’t buy the Neo for myself.

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The Neo isn’t meant to compete with the Air, though. It’s aiming for the first-time MacBook buyer. It’s Apple trying to pick up the cheap Windows laptop crowd who are annoyed by Windows. With its $499 price for education, it’s also an attempt to break the Chromebook’s stranglehold on the K-12 market, to turn iPad kids into MacBook Neo teens into Air adults. Heck, when it’s time for my kids to turn in their school-issued Chromebooks, and I have to choose between a Chromebook, a Windows laptop, and a MacBook Neo for them? That’ll be interesting.

And that’s how they get you!

I honestly don’t think the Neo vs Air debate is going to be that hard for most people, just because most people aren’t spending a thousand bucks on a laptop in the first place. The processor’s probably going to feel about the same as an M1 Air’s, which is to say fast enough for most things. The toughest parts are going to be figuring out if you’re satisfied with 8GB of RAM (rough!), if you ever really need Thunderbolt (maybe not?), and if you care about that fancy webcam (eh). If you already know the answer, you already know the answer. And you should probably grab that refurb Air while you can.

A cynical part of me thinks this is Apple trying to get MacBooks onto the same upgrade cycle as its phones. If you bought the cheapest MacBook Air six years ago, it’s probably still fine. If you buy the cheapest MacBook Neo today, is it going to feel fine in six years? Maybe! Or maybe you’ll decide you need to spring for an Air next time. And up the funnel you go.

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Stop the insanity 2.0: ’90s icon Susan Powter’s tech comeback

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Stop the insanity 2.0: ’90s icon Susan Powter’s tech comeback

NEWYou can now listen to Fox News articles!

There was a time when you could not turn on the TV without seeing Susan Powter. Platinum buzz cut. Barefoot. Fierce. Unfiltered. And that battle cry that still lives in pop culture: “Stop the Insanity!”

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In the 1990s, Powter built a massive wellness brand by pushing back on diet culture and talking about real life. Then the spotlight went dark. The part most people missed was brutal: financial collapse, isolation and crushing hopelessness.

Powter says the years after fame were not a quick fall. They were a long grind. She describes driving for Uber Eats for nine years, working “eight to 10 hours every day, seven days a week, trying to make my $80 to $100 a day so I could pay my damn bills.” Then comes the twist that makes this story feel very 2026. Tech did not break her. Tech helped her rebuild.

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Susan Powter attends the “Stop the Insanity: Finding Susan Powter” NYC screening at Village East Cinema on November 21, 2025, in New York City. (Santiago Felipe/Getty Images)

How Susan Powter built her original wellness empire

When Susan Powter sat down with me in my Los Angeles studio for my Beyond Connected podcast, she began by rewinding the story to where it all started. Powter’s story begins far from Hollywood. She took me back to 1982 in Garland, Texas. She had two babies a year apart. After her divorce, she gained more than 130 pounds. She says she didn’t recognize herself physically. She felt financially doomed and emotionally overwhelmed.

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Then she figured something out. “I would go to the grocery store, Piggly Wiggly. This is the truth,” she says. Other moms would stop her and tell her she looked great. Powter would answer, “No, no, you don’t understand. I figured out with modification you could be fit,” and she says, “a crowd would gather in the grocery store.”

That moment was not a marketing plan. It was a single mother talking to other women who were struggling too. That voice and that honesty turned into classes, then a studio, then a media machine. Powter never liked the labels people gave her. “They always used to call me a fitness guru. I’ve never used that term,” she says. Her version is simpler and more relatable: “I said, I’m just a housewife who figured it out and started talking to other housewives.”

But the business side got ugly. “It became a monster,” she says. “It started generating so much money, and then they started producing me out of me.”

Why Susan Powter lost her fortune and disappeared

This is where her story hits a nerve for anyone who has ever felt trapped in a system that profits from them. Powter describes management chaos, lawyers and huge legal bills. She says, “My last legal bill was $6.5 million.”

But the real breaking point came the day she decided to walk away. She was living in Beverly Hills when she says she discovered what was happening behind the scenes with unscrupulous management and bad-faith actors. She says that the very empire she built no longer felt like it belonged to her. As a result, her response was swift and absolute. “I sent one paragraph to everyone; Simon & Schuster, Time Warner, all management, literary agents. And I said, so-and-so no longer represents Susan Powter. Stop the Insanity. One paragraph.” That was it. She fired everyone. Then she left. “I moved to Seattle, and I started teaching classes in basements,” she says. “I left it all.”

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She also pushes back on the tidy narrative people prefer about her downfall. “I did not go from Hollywood to Harbor Island, which is the welfare hotel that I lived in for far too long in Las Vegas. I didn’t go there in three years. That’s not what happened.” 

Instead, she describes years of work, shifting family dynamics and what she calls “quiet poverty.” And she names the part people tend to skip because it makes them uncomfortable: what poverty does to your identity. “It’s soul-sucking, dehumanizing,” she says.

At one point, she recalls walking eight miles in brutal Las Vegas heat. “My dollar store flip-flops literally melted under my feet. It was 120 degrees.” She adds, “That’s when you feel dehumanized.” 

During that period, she drew strength from the late Joan Rivers, who had faced her own trials. “She said to me, ‘You hang on, kid. This is a tough game,’” Powter recalls of meeting her earlier in her career. Years later, when her own world unraveled, Susan says she often asked herself, “What would Joan Rivers do?”

‘STOP THE INSANITY’ SUSAN POWTER EXPOSES TRUTH BEHIND FITNESS EMPIRE’S COLLAPSE AND LIFE DRIVING FOR UBER EATS

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When 1990s fitness icon Susan Powter sat down in Kurt’s Los Angeles studio for getbeyondconnected.com, she opened up about the collapse few people saw coming. (Kurt “CyberGuy” Knutsson )

The moment tech went from a distraction to Susan Powter’s lifeline

Powter does not talk about technology like a cute productivity hack. She talks about it like survival. She used a phone, an app, digital platforms and a decision to use the same tools many of us blame for distraction as a way to climb back. Powter says the internet helped her see a path forward. “I’m internet obsessed, and I’m proud to say it,” she says. She also shows self-awareness about the darker side. “I know the darkness of it. I get it, I get it, but it is such a power.”

Then she says the line that sums up her whole strategy, “I’m going to digitalize everything. I’m going to sell it myself. I’m going to own everything.” That is her new business plan. And it is the part a lot of creators, freelancers and founders will recognize right away: when you stop waiting for permission, you start building assets you control.

How Susan Powter is taking back control with the help of tech

Powter talks about ownership like someone who has learned the cost of not having it. This time, she wants to see everything. “I’ll be checking the bank balance every 12 seconds,” she says. “I’ll be checking the analytics every second.” There is no confusion in her voice. She is not handing control to anyone else again.

For nine years, she drove for Uber Eats, eight to 10 hours a day, chasing $80 to $100 just to cover bills. There was no cushion and no mystery revenue. Everything depended on what she could see and control. After that, data feels like protection.

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She calls gig work and the internet “literally life-saving,” and says, “access to what is happening now matters, especially for 68-year-olds.” For anyone who thinks technology belongs to the young, her story argues the opposite. A phone and apps can drain your time. They can also rebuild your life.

Now, Powter is rebuilding on her own terms, using technology to reclaim her voice, her brand and her future. (Obscured Pictures)

How Susan Powter uses Instagram and TikTok today

Powter is not tiptoeing back into the public eye. She is going full speed. She says she is “obsessed with TikTok, Insta,” and she is experimenting with TikTok Shop. Powter also draws a bright line around how she wants to show up.

“I’ll recommend show and tell, not sell what I want to be,” she says. Her style is classic Susan. Big energy. Big honesty. Zero patience for fake polish. At one point, she laughs and describes her approach like this: “It’s kind of like affiliate marketing on acid.”

And she is thinking bigger than social media posts. She talks about doing “vertical actual reality TV,” showing people the brand rebuild in real time, filming gatherings and owning the content. “I’ll film it, I’ll own the content, I’ll put it up live. We’re done,” she says.

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The book, the movie and the part that matters most

Powter’s memoir is titled “And Then EM Died: Stop the Insanity, A Memoir,” available on Amazon. She calls it “a letter to my dead dog,” and says, “This is the first product I have owned out of all the products, all the years, all the work, and I get to see every sale.”

The documentary, “Stop the Insanity: Finding Susan Powter,” executive-produced by Jamie Lee Curtis and directed by Zeb Newman, is available on Amazon and Apple TV. But if you take one thing from this conversation, make it this: Powter refuses the tidy inspirational story arc. “The only reason I survived anything… No, I died a million deaths,” she says. Then she says what actually fueled her: “A lot of it was rage. I wasn’t going down like that.”

And yet she does not end there. “It doesn’t matter what happened. To hell with that. My being survived.” That honesty lands because it sounds like real life, not a poster. And maybe that is the real message now. Survival is not always pretty. Sometimes it is loud, messy and powered by the simple refusal to disappear.

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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

Susan Powter’s story resonates because it feels familiar, even now. First, a public identity collapses. Then private life grows heavier than anyone sees. Yet that is not where her story ends. Instead, she finds leverage where few people think to look: in a phone, in an app, in a platform and in the power to publish without gatekeepers. Of course, she is not pretending technology fixes everything. She sees the darkness. At the same time, she sees the power. Now, she is using that power the way she always has: loudly, honestly and on her own terms.

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So here’s the question to sit with: If your life fell apart tomorrow, would your tech habits help you rebuild, or would they pull you deeper?  Let us know by writing to us at Cyberguy.com.

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Anker’s last-gen sleep buds are nearly 40 percent off ahead of daylight saving time

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Anker’s last-gen sleep buds are nearly 40 percent off ahead of daylight saving time

Bad news: most Americans are about to lose an hour of sleep next week. Good news: if you have trouble falling (or staying asleep), Newegg is currently selling Anker’s Soundcore Sleep A20 earbuds for $113.99 ($66 off) when you use coupon code MMSF88 at checkout, which drops them to just $6 shy of their lowest price to date.

A couple of us here at The Verge are fans of Anker’s last-gen sleep buds, which do a good job of muffling disruptive noises (including snoring). They’re lightweight and comfortable enough to wear overnight, even while sleeping on your side, with multiple ear tips and wings for a personalized fit. In fact, in his review, my colleague Thomas Ricker said that they improved his average sleep time by nearly 30 minutes within a two-week period.

What’s even more convenient is that they offer a variety of sleep-focused features to help you rest better. For example, you can use them to play a range of relaxing sounds, from meditation exercises and nature clips to white noise. You can use them as a regular pair of Bluetooth earbuds, too, just in case you prefer to listen to audiobooks or your own curated sleep playlist. They even come with adjustable EQ as well, though we wouldn’t recommend using them as your primary earbuds for music, given that they can’t match the audio quality you’d get from a pair of midrange earbuds from Apple, Sony, or Bose.

In addition, the Sleep A20 offer up to 14 hours of battery life and sleep tracking, providing insights into how long and how well you’ve slept via a companion app that also details your sleep positions and movements. The newer Soundcore Sleep A30 feature active noise cancellation, which is more effective at masking sounds than the A20’s passive isolation, but Anker’s last-gen earbuds remain a decent, budget-friendly option that can help you comfortably tune out most nighttime distractions for nearly half the price.

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