You do not carry your bank card directly next to your smartphone
You should not carry or store your bank card right next to your smartphone. Malware could read and send the data via NFC. Alternatively, use RFID protective covers for your cards and deactivate NFC.
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Malware can use your smartphone's NFC interface to read data from bank cards. You can protect yourself by not keeping your cards right next to your smartphone. You can also order special RFID protective covers online that can protect you.