Banker Trojan

Definition of Banker Trojan

A Banker Trojan is a type of malicious software (malware) that specifically targets online banking systems and financial transactions. It infiltrates a user’s device, captures sensitive information such as account credentials, and may redirect the user to fake banking websites. Its primary goal is to steal personal financial information, often leading to unauthorized transactions and identity theft.


The phonetic pronunciation of the keyword “Banker Trojan” is:Banker: /ˈbæŋkər/Trojan: /ˈtroʊdʒən/

Key Takeaways

  1. A Banker Trojan is a type of malicious software designed to steal sensitive data, especially banking and financial information, from its victims.
  2. Banker Trojans can spread through various methods, including email attachments, malicious websites, and software downloads, leading to unauthorized access, loss of funds, and even identity theft.
  3. Preventing a Banker Trojan infection requires a combination of robust security measures, such as using strong passwords, keeping software up-to-date, investing in reliable antivirus software, and being cautious when interacting with unknown emails and websites.

Importance of Banker Trojan

The term “Banker Trojan” is important in the realm of technology because it refers to a specific type of malicious software that cybercriminals use to target and compromise the security of online banking systems and their users.

This deceptive software masquerades as legitimate applications or files, subsequently infiltrating the victim’s computer system to gain access to sensitive financial information, such as bank account credentials, passwords, and other personal data.

The Banker Trojan’s primary intent is to enable criminals to illegally siphon funds from users’ accounts or perpetrate identity theft and fraud.

Being aware of this term and the threats it poses is essential for individuals, businesses, and financial institutions alike to prioritize cybersecurity measures, educate users on secure online practices, and ultimately safeguard against these attacks to maintain data privacy and prevent financial losses.


Banker Trojan is a type of malicious software, primarily utilized by cybercriminals to target financial and banking institutions for illicit financial gains. Its primary purpose is to infiltrate users’ online banking credentials, which allows the cybercriminals to gain unauthorized access to accounts, carry out theft, make illegal transactions, or manipulate a user’s financial data. Banker Trojans can also be designed to spy on corporate networks and users’ online activities, searching for sensitive information.

Ultimately, the primary goal of the Banker Trojan is to maximize financial returns for cybercriminals, while evading detection by both users and the institutions targeted. Banker Trojans typically use a variety of sophisticated techniques to infiltrate and remain hidden within the targeted systems, including social engineering strategies to deceive users into revealing their personal and financial details. This can include phishing emails disguised as legitimate bank communications, or even redirecting users to fake banking sites that appear to be authentic.

Once a user has fallen victim to the Banker Trojan’s scheme, the malware can be executed, enabling the attacker to obtain the user’s financial information or control the victim’s computer remotely. In some cases, Banker Trojans can even bypass two-factor authentication systems, making them one of the most troubling threats to users’ and financial institutions’ security. As technology continues to evolve, so too do the capabilities of Banker Trojans, requiring constant vigilance and the implementation of robust security measures to combat this persistent threat.

Examples of Banker Trojan

Zeus (also known as Zbot): This famous banking Trojan, first discovered in 2007, was designed to steal banking and financial data from its victims. The infected computers, later joined to form a botnet, allowed cybercriminals to remotely control the devices and conduct various malicious activities such as stealing sensitive information (usernames, passwords, PINs), keylogging, and intercepting network traffic. Zeus was responsible for millions of dollars in theft and was eventually dismantled in

Ursnif (also known as Gozi): First identified in 2007, Ursnif is another well-known banking Trojan that targeted financial institutions primarily in the United States, Europe, and Australia. It used spear-phishing emails to infect victims’ computers and could record keystrokes, steal login credentials, personal data, and financial information. The Trojan was constantly updated over time to include new features like allowing the attacker to control the accounts remotely. In 2016, a cybercriminal group called “Avalanche” used Ursnif as part of their hacking campaign, leading to the arrest of the group’s members.

Dridex (also known as Cridex or Bugat): Dridex emerged in 2011 by exploiting vulnerable Microsoft Office and Adobe Reader products. The Trojan utilized a variety of tricks to avoid detection and infiltrated banking systems to collect sensitive information such as login credentials. It used email attachments with malicious macros to spread infection. Dridex was responsible for significant financial losses both for individuals as well as small and medium-sized businesses. Law enforcement agencies, in collaboration with private security firms, took down the botnet infrastructure in 2015, but the Trojan still resurfaces from time to time.

FAQ: Banker Trojan

1. What is a Banker Trojan?

A Banker Trojan is a type of malicious software designed to steal banking and financial information from victims. The primary goal of a Banker Trojan is to gain unauthorized access to a user’s online banking accounts, usually by intercepting login credentials, account numbers, and other sensitive data.

2. How does a Banker Trojan infect a computer?

A Banker Trojan usually infects a computer through phishing emails, malicious websites, or infected software downloads. The victim unknowingly downloads and installs the Trojan, which then starts running on the user’s system, often in the background.

3. How does a Banker Trojan steal data?

A Banker Trojan steals data by monitoring the user’s internet activity, logging keystrokes, or using form-grabbing techniques when users input their banking information. The stolen data is then sent back to the attacker’s server, where they can use it to access the victim’s accounts and perform transactions.

4. What are the signs that my computer may be infected with a Banker Trojan?

Signs that your computer may be infected with a Banker Trojan include unusual or sluggish system performance, unauthorized access to your online banking accounts, unauthorized transactions or modifications in your accounts, and receiving alerts or notifications from your bank regarding suspicious activities.

5. How can I protect my computer from a Banker Trojan?

To protect your computer from a Banker Trojan, follow these steps: use strong, unique passwords for your accounts; enable multi-factor authentication whenever possible; do not open or click on suspicious emails or links; keep your operating system and software up-to-date; use a reputable antivirus program, and scan your system regularly; and avoid downloading and installing software from unknown or untrusted sources.

6. What should I do if I think my computer is infected with a Banker Trojan?

If you suspect your computer is infected with a Banker Trojan, immediately run a full system scan with a reputable antivirus program. If an infection is detected, follow the antivirus program’s recommendations to remove the Trojan. It’s also crucial to change your online banking passwords, contact your bank to report the issue, and monitor your accounts for suspicious activities.

Related Technology Terms

  • Malware
  • Phishing
  • Keylogging
  • Financial Fraud
  • Two-Factor Authentication

Sources for More Information


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