Avoid infecting your device through "Bank Payment Copy" scam emails

Also Known As: NanoCore RAT
Type: Trojan
Distribution: Low
Damage level: Severe

"Bank Payment Copy email virus" removal guide

What is the "Bank Payment Copy" scam email?

"Bank Payment Copy email virus" refers to a malware-spreading spam campaign. This term defines a mass-scale operation during which thousands of deceptive/scam emails are sent. The letters distributed through this operation - request recipients to review the payment made to them and confirm it. When opened, the email attachment that supposedly contains the bank payment copy - triggers download/installation of the NanoCore RAT (Remote Access Trojan). Malware of this type is designed to enable remote access and control over infected devices.

Bank Payment Copy malware-spreading email spam campaign

The scam emails with the subject/title "Bank Payment Copy Attached" scam letters state that the sender's Purchase Manager is currently out of office and has instructed them into contacting the recipient. The emails then inform that a payment has been sent to the recipients' company account. They are asked to review the fake bank payment copy and confirm reception. Additionally, should there be any errors, the letters request to notify the sender. Once the attachment is opened, NanoCore trojan's infection chain is jumpstarted.

As mentioned in the introduction, NanoCore RAT can allow cyber criminals access and control over infected machines. Remote access trojans can have a wide variety of malicious functionalities. This malware can have a certain level of control over hardware, software, and content stored or accessed through the compromised device. These trojans can obtain data by downloading it from the system or by using spying abilities, e.g., taking screenshots, recording key-strokes (keylogging) and/or audio/video via microphones and cameras. Furthermore, the malicious programs can extract information from browsers and other installed applications. Data of interest includes: browsing activity, Internet cookies, IP addresses, personally identifiable details, account/platform log-in credentials (i.e., IDs, email addresses, usernames, passwords), and financial data (e.g., banking account details, credit card numbers, etc.). Causing chain infections is another common feature of RATs. Hence, this software can be used to download/install additional trojans, ransomware, cryptocurrency miners, and other malware. To summarize, by trusting the "Bank Payment Copy" scam emails, users can experience system infections, serious privacy issues, financial losses, and even identity theft. If it is known or suspected that NanoCore RAT (or other malware) has already infected the system - an anti-virus must be used to remove it without delay.

Threat Summary:
Name NanoCore RAT
Threat Type Trojan, password-stealing virus, banking malware, spyware.
Hoax Scam emails claim to contain a bank payment copy.
Attachment(s) Bank Payment Copy.exe (filename may vary)
Detection Names Avast (Win32:PWSX-gen [Trj]), ESET-NOD32 (A Variant Of MSIL/Kryptik.ABAM), Fortinet (Malicious_Behavior.SB), Kaspersky (UDS:Backdoor.MSIL.NanoBot.gen), Microsoft (Trojan:Win32/AgentTesla!ml), Full List Of Detections (VirusTotal)
Symptoms Trojans are designed to stealthily infiltrate the victim's computer and remain silent, and thus no particular symptoms are clearly visible on an infected machine.
Payload NanoCore
Distribution methods Infected email attachments, malicious online advertisements, social engineering, software 'cracks'.
Damage Stolen passwords and banking information, identity theft, the victim's computer added to a botnet.
Malware Removal (Windows)

To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Combo Cleaner.
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"NOTICE OF ACCOUNT CLOSURE FOR AUDIT", "SGBM Email Virus", "OCEANIC PROJECTS Email Virus", and "International Air & Sea Freight Forwarder" are some examples of malware-proliferating spam campaigns. The emails distributed through these large-scale operations - are typically disguised as "official", "urgent", "priority", "important", and similar. The letters may even be presented as messages from legitimate companies, corporations, institutions, organizations, or different entities. Aside from distribution of malicious software, spam campaigns are also used for phishing and other scams. Due to how prevalent deceptive mail is, it is strongly advised to exercise caution with incoming emails.

How did "Bank Payment Copy email virus" infect my computer?

Spam campaigns spread malware via infectious files distributed through them. Virulent files can be attached to and/or linked inside the emails. These files can be in various formats, e.g., archives (ZIP, RAR, etc.), executables (.exe, .run, etc.), Microsoft Office and PDF documents, JavaScript, and so forth. When the files are executed, run, or otherwise opened - the infection chain is initiated. For example, Microsoft Office documents infect systems by executing malicious macro commands. This process begins the moment a document is opened - in Microsoft Office versions released before 2010. Later versions have "Protected View" mode that prevents automatic execution of macros. Instead, users can manually enable editing/content (i.e., macro commands), and they are warned of the potential risks.

How to avoid installation of malware?

Suspect and irrelevant emails must not be opened, especially any attachments or links present in them. It is recommended to use Microsoft Office versions released after 2010. However, spam campaigns are not used exclusively in malware proliferation. Malicious programs are also commonly distributed via dubious download channels (e.g., unofficial and free file-hosting websites, Peer-to-Peer sharing networks, etc.), illegal activation ("cracking") tools, and fake updaters. Therefore, it is advised to perform downloads only from official and verified sources. Additionally, all programs must be activated and updated with tools/functions provided by legitimate developers. It is paramount to have a reputable anti-virus/anti-spyware installed and updated. Furthermore, this software has to be used to run regular system scans and remove detected threats and issues. If you've already opened "Bank Payment Copy email virus" attachment, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the "Bank Payment Copy" scam email letter:

Subject: Bank Payment Copy Attached


Dear Sir,


Our Purchase Manager is out of office and has instructed me to contact you and inform you about the Payment we just sent to your company's Account.


Sorry for the delay, Please find attached the payment slip of the Payment which we have sent to you today, please confirm the Bank payment copy attached immediately for payment details and confirmation.


Please check attached copy and see if there is no mistake regarding the transfer, If there is any thing to be corrected,, kindly let us know.


Best regards,
Accounts Department.


Tel. +34 93 264 96 20
Fax. +34 93 263 40 10

Screenshot of VirusTotal detections of the malicious attachment distributed via "Bank Payment Copy" spam campaign ("Bank Payment Copy.exe" filename):

Bank Payment Copy email virus attachment detections (Bank Payment Copy.exe filename)

Instant automatic malware removal: Manual threat removal might be a lengthy and complicated process that requires advanced computer skills. Combo Cleaner is a professional automatic malware removal tool that is recommended to get rid of malware. Download it by clicking the button below:
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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Combo Cleaner Antivirus for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example, using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":

manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract autoruns.zip and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Combo Cleaner Antivirus for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

QR Code
NanoCore RAT QR code
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