Even downloading a simple image sent to your WhatsApp chat inbox from an unknown number could compromise your mobile’s security. This is because the image downloaded could be infected with malware or spyware and this can be used by fraudsters to steal your private information or take out money from your bank, or worse know all the passwords typed in the phone’s virtual keyboard (keylogger).
Another reason why this scam works is because unknowingly you become a carrier of it. For example: you received a funny meme image from a friend who in turn got it from someone unknown. So, you decide to forward this funny meme image to your family WhatsApp group. Now some members of your family WhatsApp group may share this funny meme to their friends and this is how the cycle goes on. In reality this meme image has embedded spyware or malware or a QR code which redirects you to a phishing website which once opened can download a keystroke logger or ransomware in your phone. This can result in significant financial and social loss as the fraudsters can get access to your social media accounts credentials, photos on the phone, bank account PIN/passwords and much more.
This is also the reason why most banking websites and banking apps have an on-screen keyboard to type the password or PIN. The keylogger can't read the keystrokes of the on-screen keyboard but might be able to read the phone's virtual keyboard inputs. Hence banks provide this additional cyber security safety measure.
Pranav Patil, Chief Data Scientist, AdvaRisk says: “In today’s world, where messaging apps are ubiquitous, scammers are increasingly turning to social engineering tactics to exploit users. The WhatsApp image download scam is a prime example. Hence the reason why you should disable auto-downloads of any type of media files on WhatsApp. Only download images or files from sources/senders you trust."
Read below to know how this WhatsApp image scam works and how to stay careful from it.
What is the WhatsApp image scam?
Here’s how this scam works:
The bait
Sheetal R Bhardwaj, executive member of Association of Certified Financial Crime Specialists (ACFCS) explains that this type of fraudulent image is called steganography.
“Cybercriminals are finding increasingly sophisticated ways to exploit human tendencies, and the latest WhatsApp image scam is a prime example. This deceptive tactic preys on trust and curiosity, two instincts that make people more likely to engage with seemingly harmless content. Many users assume that images shared by known contacts or familiar-looking memes pose no risk. However, cybercriminals are weaponizing steganography (embedding malicious code within images) and social engineering (psychological manipulation to provoke action) to bypass traditional security defenses,” says Bhardwaj.
Also read: Gmail fraud: A new cyber fraud email which bypasses Google’s security protocols; Know how it works and safeguard your money
Don’t forward suspicious looking images to others without verifying
Bhardwaj says: “Scammers circulate infected images via WhatsApp, often disguised as entertaining memes, enticing promotions, or urgent notifications. If a user downloads or interacts with these images, embedded malware can infiltrate their device—stealing sensitive data, monitoring activity, or even granting remote control access to cybercriminals. To make matters worse, compromised accounts can unknowingly spread malicious images to their contacts, creating a chain reaction that further escalates the scam.”
Patil from AdvaRisk says: “In today’s world, where messaging apps are ubiquitous, scammers are increasingly turning to social engineering tactics to exploit users. The WhatsApp scam is a prime example. These scams often prey on basic human psychology. People are naturally drawn to anything that promises a free benefit and tend to assume that humorous links or memes are harmless. This false sense of security makes users more vulnerable to deceptive schemes.”
How to stay safe from this kind of scam?
Bhardwaj shares some tips about how to stay safe from this scam: To defend against such scams, users must adopt a proactive approach to digital security. Follow these essential precautions:
If you think you have been scammed then do this:
Another reason why this scam works is because unknowingly you become a carrier of it. For example: you received a funny meme image from a friend who in turn got it from someone unknown. So, you decide to forward this funny meme image to your family WhatsApp group. Now some members of your family WhatsApp group may share this funny meme to their friends and this is how the cycle goes on. In reality this meme image has embedded spyware or malware or a QR code which redirects you to a phishing website which once opened can download a keystroke logger or ransomware in your phone. This can result in significant financial and social loss as the fraudsters can get access to your social media accounts credentials, photos on the phone, bank account PIN/passwords and much more.
This is also the reason why most banking websites and banking apps have an on-screen keyboard to type the password or PIN. The keylogger can't read the keystrokes of the on-screen keyboard but might be able to read the phone's virtual keyboard inputs. Hence banks provide this additional cyber security safety measure.
Pranav Patil, Chief Data Scientist, AdvaRisk says: “In today’s world, where messaging apps are ubiquitous, scammers are increasingly turning to social engineering tactics to exploit users. The WhatsApp image download scam is a prime example. Hence the reason why you should disable auto-downloads of any type of media files on WhatsApp. Only download images or files from sources/senders you trust."
Read below to know how this WhatsApp image scam works and how to stay careful from it.
What is the WhatsApp image scam?
Here’s how this scam works:
The bait
- You receive a multimedia image message on WhatsApp from an unknown number or even a known contact whose phone may be compromised. The image looks harmless: a funny meme, an offer like “Win Rs 5000”, or a clickbait message.
- Once you download the image, malware or spyware hidden inside the image can get silently installed. Using this the fraudsters can get access to your photos, contacts, messages, and banking apps. Sometimes fraudsters may embed any QR code inside the image which can redirect you to any phishing website also.
Sheetal R Bhardwaj, executive member of Association of Certified Financial Crime Specialists (ACFCS) explains that this type of fraudulent image is called steganography.
“Cybercriminals are finding increasingly sophisticated ways to exploit human tendencies, and the latest WhatsApp image scam is a prime example. This deceptive tactic preys on trust and curiosity, two instincts that make people more likely to engage with seemingly harmless content. Many users assume that images shared by known contacts or familiar-looking memes pose no risk. However, cybercriminals are weaponizing steganography (embedding malicious code within images) and social engineering (psychological manipulation to provoke action) to bypass traditional security defenses,” says Bhardwaj.
Also read: Gmail fraud: A new cyber fraud email which bypasses Google’s security protocols; Know how it works and safeguard your money
Don’t forward suspicious looking images to others without verifying
Bhardwaj says: “Scammers circulate infected images via WhatsApp, often disguised as entertaining memes, enticing promotions, or urgent notifications. If a user downloads or interacts with these images, embedded malware can infiltrate their device—stealing sensitive data, monitoring activity, or even granting remote control access to cybercriminals. To make matters worse, compromised accounts can unknowingly spread malicious images to their contacts, creating a chain reaction that further escalates the scam.”
Patil from AdvaRisk says: “In today’s world, where messaging apps are ubiquitous, scammers are increasingly turning to social engineering tactics to exploit users. The WhatsApp scam is a prime example. These scams often prey on basic human psychology. People are naturally drawn to anything that promises a free benefit and tend to assume that humorous links or memes are harmless. This false sense of security makes users more vulnerable to deceptive schemes.”
How to stay safe from this kind of scam?
Bhardwaj shares some tips about how to stay safe from this scam: To defend against such scams, users must adopt a proactive approach to digital security. Follow these essential precautions:
- ● Be Wary of Unsolicited Images – Avoid downloading images from unknown senders, even if they appear humorous or harmless.
- ● Verify Suspicious Messages – If a contact sends something unusual, double-check with them before interacting, especially if the message includes a link or urges action.
- ● Avoid Clickbait Offers – Steer clear of messages promising prizes, discounts, or financial rewards, particularly those disguised within images.
- ● Update Your Apps & OS Regularly– Keeping your phone software and WhatsApp updated helps patch security vulnerabilities.
- ● Restrict App Permissions– Limit access to sensitive apps like banking and messaging, preventing unauthorized breaches.
- Enable Two-Factor Authentication (2FA) – Strengthen security by activating 2FA for both WhatsApp and financial accounts.
- Report & Block Suspicious Activity– Use WhatsApp’s reporting feature to flag scam messages and block senders. If a known contact is affected, alert them immediately.
- Backup & Reset if Infected – If malware is detected, securely back up essential data and perform a factory reset under professional guidance.
If you think you have been scammed then do this:
- Disconnect from Wi-Fi/data immediately
- Run a full scan using a mobile antivirus app
- Change passwords for key accounts (email, banking, etc.)
- Uninstall unknown or suspicious apps
- Report the sender to WhatsApp and block them
- Report cyber frauds at cybercrime.gov.in or call 1930.
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