If you have an app called Any Desk downloaded on your phone, chances are someone is spying on your bank account details and can anytime rob you off your money. The Reserve Bank of India (RBI) is warning all the online banking users against this fraudulent app stating that the app could first steal all your banking details and then all your money from the bank account.

The Any Desk app works like a remote access service that takes control of your device and does transactions on users behalf. Reportedly, the app can detect all your OTPs which means it can siphon off all your money from bank account in minutes. As per the RBI alert message, all the online banking users are at risk but the UPI users are more vulnerable to it.

The bank’s alert message sent on February 14 states that the app is being used by hackers to access banking details of users. The modus operandi of the app includes the use of the Unified Payment Interface (UPI) to steal the money. The fraudster first asks you to download the app. Beware, the app download request can come from either social media or from the Play Store/App store platforms. 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. The hacker via this method can hack any mobile-banking or payment apps.

“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 best way to stay safe from this app is by not downloading it in the first place. If you have already downloaded it, delete it immediately from your phone and scan the device.

With banking frauds happening frequently and on larger scales lately, the State Bank of India has also issued some guidelines to stay safe from frauds. The bank says you should never share your card and its details with anyone. Securely enter your ATM pin when in public place or do not disclose it with anyone even at home. Do not forget to collect your card from the ATM.