A newly discovered vulnerability named WhisperPair can turn Bluetooth headphones and headsets from many well-known brands into personal tracking beacons — regardless of whether the accessories are currently connected to an iPhone, Android smartphone, or even a laptop. Even though the technology behind this flaw was originally developed by Google for Android devices, the tracking risks are actually much higher for those using vulnerable headsets with other operating systems — like iOS, macOS, Windows, or Linux. For iPhone owners, this is especially concerning.

Connecting Bluetooth headphones to Android smartphones became a whole lot faster when Google rolled out Fast Pair, a technology now used by dozens of accessory manufacturers. To pair a new headset, you just turn it on and hold it near your phone. If your device is relatively modern (produced after 2019), a pop-up appears inviting you to connect and download the accompanying app, if it exists. One tap, and you’re good to go.

Unfortunately, it seems quite a few manufacturers didn’t pay attention to the particulars of this tech when implementing it, and now their accessories can be hijacked by a stranger’s smartphone in seconds — even if the headset isn’t actually in pairing mode. This is the core of the WhisperPair vulnerability, recently discovered by researchers at KU Leuven and recorded as CVE-2025-36911.

The attacking device — which can be a standard smartphone, tablet or laptop — broadcasts Google Fast Pair requests to any Bluetooth devices within a 14-meter radius. As it turns out, a long list of headphones from Sony, JBL, Redmi, Anker, Marshall, Jabra, OnePlus, and even Google itself (the Pixel Buds 2) will respond to these pings even when they aren’t looking to pair. On average, the attack takes just 10 seconds.

Once the headphones are paired, the attacker can do pretty much anything the owner can: listen in through the microphone, blast music, or — in some cases — locate the headset on a map if it supports Google Find Hub. That latter feature, designed strictly for finding lost headphones, creates a perfect opening for stealthy remote tracking. And here’s the twist: it’s actually most dangerous for Apple users and anyone else rocking non-Android hardware.

Remote tracking and the risks for iPhones

When headphones or a headset first shake hands with an Android device via the Fast Pair protocol, an owner key tied to that smartphone’s Google account is tucked away in the accessory’s memory. This info allows the headphones to be found later by leveraging data collected from millions of Android devices. If any random smartphone spots the target device nearby via Bluetooth, it reports its location to the Google servers. This feature — Google Find Hub — is essentially the Android version of Apple’s Find My, and it introduces the same unauthorized tracking risks as a rogue AirTag.

When an attacker hijacks the pairing, their key can be saved as the headset owner’s key — but only if the headset targeted via WhisperPair hasn’t previously been linked to an Android device and has only been used with an iPhone, or other hardware like a laptop with a different OS. Once the headphones are paired, the attacker can stalk their location on a map at their leisure — crucially, anywhere at all (not just within the 14-meter range).

Android users who’ve already used Fast Pair to link their vulnerable headsets are safe from this specific move, since they’re already logged in as the official owners. Everyone else, however, should probably double-check their manufacturer’s documentation to see if they’re in the clear — thankfully, not every device vulnerable to the exploit actually supports Google Find Hub.

How to neutralize the WhisperPair threat

The only truly effective way to fix this bug is to update your headphones’ firmware, provided an update is actually available. You can typically check for and install updates through the headset’s official companion app. The researchers have compiled a list of vulnerable devices on their site, but it’s almost certainly not exhaustive.

After updating the firmware, you absolutely must perform a factory reset to wipe the list of paired devices — including any unwanted guests.

If no firmware update is available and you’re using your headset with iOS, macOS, Windows, or Linux, your only remaining option is to track down an Android smartphone (or find a trusted friend who has one) and use it to reserve the role of the original owner. This will prevent anyone else from adding your headphones to Google Find Hub behind your back.

The update from Google

In January 2026, Google pushed an Android update to patch the vulnerability on the OS side. Unfortunately, the specifics haven’t been made public, so we’re left guessing exactly what they tweaked under the hood. Most likely, updated smartphones will no longer report the location of accessories hijacked via WhisperPair to the Google Find Hub network. But given that not everyone is exactly speedy when it comes to installing Android updates, it’s a safe bet that this type of headset tracking will remain viable for at least another couple of years.

Want to find out how else your gadgets might be spying on you? Check out these posts:

• How to protect yourself from Bluetooth stalking and more
• How to track anyone via the Find My network
• How to stop being tracked via Bluetooth beacons like AirTag
• How smartphones build a dossier on you
• Why data brokers build dossiers on you, and how to stop them doing so

Thanks to the convenience of NFC and smartphone payments, many people no longer carry wallets or remember their bank card PINs. All their cards reside in a payment app, and using that is quicker than fumbling for a physical card. Mobile payments are also secure — the technology was developed relatively recently and includes numerous anti-fraud protections. Still, criminals have invented several ways to abuse NFC and steal your money. Fortunately, protecting your funds is straightforward: just know about these tricks and avoid risky NFC usage scenarios.

What are NFC relay and NFCGate?

NFC relay is a technique where data wirelessly transmitted between a source (like a bank card) and a receiver (like a payment terminal) is intercepted by one intermediate device, and relayed in real time to another. Imagine you have two smartphones connected via the internet, each with a relay app installed. If you tap a physical bank card against the first smartphone and hold the second smartphone near a terminal or ATM, the relay app on the first smartphone will read the card’s signal using NFC, and relay it in real time to the second smartphone, which will then transmit this signal to the terminal. From the terminal’s perspective, it all looks like a real card is tapped on it — even though the card itself might physically be in another city or country.

This technology wasn’t originally created for crime. The NFCGate app appeared in 2015 as a research tool after it was developed by students at the Technical University of Darmstadt in Germany. It was intended for analyzing and debugging NFC traffic, as well as for education purposes and experiments with contactless technology. NFCGate was distributed as an open-source solution and used in academic and enthusiast circles.

Five years later, cybercriminals caught on to the potential of NFC relay and began modifying NFCGate by adding mods that allowed it to run through a malicious server, disguise itself as legitimate software, and perform social engineering scenarios.

What began as a research project morphed into the foundation for an entire class of attacks aimed at draining bank accounts without physical access to bank cards.

A history of misuse

The first documented attacks using a modified NFCGate occurred in late 2023 in the Czech Republic. By early 2025, the problem had become large scale  and noticeable: cybersecurity analysts uncovered more than 80 unique malware samples built on the NFCGate framework. The attacks evolved rapidly, with NFC relay capabilities being integrated into other malware components.

By February 2025, malware bundles combining CraxsRAT and NFCGate emerged, allowing attackers to install and configure the relay with minimal victim interaction. A new scheme, a so-called “reverse” version of NFCGate, appeared in spring 2025, fundamentally changing the attack’s execution.

Particularly noteworthy is the RatOn Trojan, first detected in the Czech Republic. It combines remote smartphone control with NFC relay capabilities, letting attackers target victims’ banking apps and cards through various technique combinations. Features like screen capture, clipboard data manipulation, SMS sending, and stealing info from crypto wallets and banking apps give criminals an extensive arsenal.

Cybercriminals have also packaged NFC relay technology into malware-as-a-service (MaaS) offerings, and reselling them to other threat actors through subscription. In early 2025, analysts uncovered a new and sophisticated Android malware campaign in Italy, dubbed SuperCard X. Attempts to deploy SuperCard X were recorded in Russia in May 2025, and in Brazil in August of the same year.

The direct NFCGate attack

The direct attack is the original criminal scheme exploiting NFCGate. In this scenario, the victim’s smartphone plays the role of the reader, while the attacker’s phone acts as the card emulator.

First, the fraudsters trick the user into installing a malicious app disguised as a banking service, a system update, an “account security” app, or even a popular app like TikTok. Once installed, the app gains access to both NFC and the internet — often without requesting dangerous permissions or root access. Some versions also ask for access to Android accessibility features.

Then, under the guise of identity verification, the victim is prompted to tap their bank card to their phone. When they do, the malware reads the card data via NFC and immediately sends it to the criminals’ server. From there, the information is relayed to a second smartphone held by a money mule, who helps extract the money. This phone then emulates the victim’s card to make payments at a terminal or withdraw cash from an ATM.

The fake app on the victim’s smartphone also asks for the card PIN — just like at a payment terminal or ATM — and sends it to the attackers.

In early versions of the attack, criminals would simply stand ready at an ATM with a phone to use the duped user’s card in real time. Later, the malware was refined so the stolen data could be used for in-store purchases in a delayed, offline mode, rather than in a live relay.

For the victim, the theft is hard to notice: the card never left their possession, they didn’t have to manually enter or recite its details, and the bank alerts about the withdrawals can be delayed or even intercepted by the malicious app itself.

Among the red flags that should make you suspect a direct NFC attack are:

• prompts to install apps not from official stores;
• requests to tap your bank card on your phone.

The reverse NFCGate attack

The reverse attack is a newer, more sophisticated scheme. The victim’s smartphone no longer reads their card — it emulates the attacker’s card. To the victim, everything appears completely safe: there’s no need to recite card details, share codes, or tap a card to the phone.

Just like with the direct scheme, it all starts with social engineering. The user gets a call or message convincing them to install an app for “contactless payments”, “card security”, or even “using central bank digital currency”. Once installed, the new app asks to be set as the default contactless payment method — and this step is critically important. Thanks to this, the malware requires no root access — just user consent.

The malicious app then silently connects to the attackers’ server in the background, and the NFC data from a card belonging to one of the criminals is transmitted to the victim’s device. This step is completely invisible to the victim.

Next, the victim is directed to an ATM. Under the pretext of “transferring money to a secure account” or “sending money to themselves”, they are instructed to tap their phone on the ATM’s NFC reader. At this moment, the ATM is actually interacting with the attacker’s card. The PIN is dictated to the victim beforehand — presented as “new” or “temporary”.

The result is that all the money deposited or transferred by the victim ends up in the criminals’ account.

The hallmarks of this attack are:

• requests to change your default NFC payment method;
• a “new” PIN;
• any scenario where you’re told to go to an ATM and perform actions there under someone else’s instructions.

How to protect yourself from NFC relay attacks

NFC relay attacks rely not so much on technical vulnerabilities as on user trust. Defending against them comes down to some simple precautions.

• Make sure you keep your trusted contactless payment method (like Google Pay or Samsung Pay) as the default.
• Never tap your bank card on your phone at someone else’s request, or because an app tells you to. Legitimate apps might use your camera to scan a card number, but they’ll never ask you to use the NFC reader for your own card.
• Never follow instructions from strangers at an ATM — no matter who they claim to be.
• Avoid installing apps from unofficial sources. This includes links sent via messaging apps, social media, SMS, or recommended during a phone call — even if they come from someone claiming to be customer support or the police.
• Use comprehensive security on your Android smartphones to block scam calls, prevent visits to phishing sites, and stop malware installation.
• Stick to official app stores only. When downloading from a store, check the app’s reviews, number of downloads, publication date, and rating.
• When using an ATM, rely on your physical card instead of your smartphone for the transaction.
• Make it a habit to regularly check the “Payment default” setting in your phone’s NFC menu. If you see any suspicious apps listed, remove them immediately and run a full security scan on your device.
• Review the list of apps with accessibility permissions — this is a feature commonly abused by malware. Either revoke these permissions for any suspicious apps, or uninstall the apps completely.
• Save the official customer service numbers for your banks in your phone’s contacts. At the slightest hint of foul play, call your bank’s hotline directly without delay.
• If you suspect your card details may have been compromised, block the card immediately.