If you have already downloaded it, delete it immediately from your phone and scan the device. The best way to stay safe from this app is by not downloading it in the first place. 'Once a fraudster inserts this app code on his device, he will ask the victim to grant certain permissions, which are similar to what are required while using other apps,' ET quotes the RBI advisory. The hacker via this method can hack any mobile-banking or payment apps. Once you have downloaded the app, the app will generate a nine-digit code on your device which will be used by the hacker to access the data and SMS service on your device. Beware, the app download request can come from either social media or from the Play Store/App store platforms. The fraudster first asks you to download the app. The modus operandi of the app includes the use of the Unified Payment Interface (UPI) to steal the money. The bank's alert message sent on February 14 states that the app is being used by hackers to access banking details of users.

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