
60-Second Summary
WhatsApp uses end-to-end encryption (E2EE) to protect messages, ensuring only the sender and recipient can read them. However, security risks remain due to metadata collection, device vulnerabilities, SIM swapping, and software exploits. Users are also vulnerable to phishing attacks and social engineering scams, while unsecured backups can expose private conversations if not properly encrypted.
AMCO’s Top Security Tips
- Enable Two-Step Verification: Add an extra layer of protection with 2FA.
- Secure your device: Use strong authentication and keep your software updated.
- Protect against SIM swapping: Set up a PIN with your mobile carrier to prevent attacks.
- Encrypt backups: Ensure WhatsApp backups are encrypted to prevent unauthorised access.
- Watch for scams: Stay vigilant against phishing and social engineering tactics.
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To learn more about this subject, read our team’s full analysis below . . .

WhatsApp Encryption and Security Risks
End-to-End Encryption (E2EE): How It Works
One of WhatsApp’s main selling points is its end-to-end encryption (E2EE), ensuring that only the sender and recipient can read messages. Even WhatsApp itself cannot access message content. This encryption is based on the Signal Protocol, a sophisticated and widely respected cryptographic system.
How WhatsApp Encryption Works
- Key Exchange: When a user sends a message, it is encrypted using a unique symmetric key generated via a key exchange based on the Diffie-Hellman protocol.
- Encryption Algorithms: WhatsApp uses AES-256 for message encryption and HMAC-SHA256 for message integrity, both of which are industry-standard and highly secure.
- Authentication and Non-Repudiation: The protocol employs ECDSA (Elliptic Curve Digital Signature Algorithm) to authenticate user identities and prevent message tampering.
Despite WhatsApp’s strong encryption, several security risks can still compromise user privacy and data safety.
Risks to WhatsApp Security
Metadata Collection
WhatsApp’s encryption protects message content but does not secure metadata, which includes:
- Message timestamps and phone numbers of both sender and receiver.
- Message size, device details, and IP addresses.
This metadata can reveal communication patterns, locations, and identities, potentially being used for surveillance or law enforcement investigations. Meta (formerly Facebook), WhatsApp’s parent company, has faced scrutiny over data collection practices. While encryption prevents Meta from accessing message content, legal obligations may force them to share metadata with authorities, raising privacy concerns.
Threats from Device Compromise
Even with encrypted messages, a compromised device can be the weakest link in security. Attackers gaining access to a device can:
- Retrieve encrypted messages before they are decrypted.
- Access WhatsApp backups stored in cloud services like Google Drive or iCloud.
- Directly read or alter messages via the app’s user interface.
Malware, keyloggers, and remote exploits can allow attackers to extract decrypted messages, bypassing encryption altogether.
SIM Swapping Attacks
SIM swapping (or SIM hijacking) involves convincing a mobile carrier to transfer a victim’s phone number to a new SIM card. Once in control of the number, an attacker can:
- Receive two-factor authentication (2FA) codes via SMS or phone call.
- Access the victim’s WhatsApp account and bypass security measures.
Because WhatsApp relies on phone numbers for authentication, SIM swapping remains a serious threat, particularly for users who have not enabled additional security layers like two-step verification (2FA).
Exploiting WhatsApp Vulnerabilities
Like all software, WhatsApp is not immune to security flaws. Over time, various vulnerabilities have been discovered and patched. One notable example was the Pegasus spyware attack, where attackers exploited a flaw in WhatsApp’s voice calling function to install spyware remotely. This allowed full access to a device’s camera, microphone, and messages.
While WhatsApp regularly updates its security patches, there is always a delay between vulnerability discovery and patch deployment. Users who fail to update their apps promptly remain vulnerable.
Social Engineering and Phishing Attacks
Attackers frequently use social engineering tactics to exploit WhatsApp users. Common phishing methods include:
- Fake login pages designed to steal WhatsApp credentials.
- Impersonation scams where attackers pose as friends, family, or customer service representatives to extract sensitive information.
- Malicious links leading to malware-infected websites or fake applications.
Given WhatsApp’s widespread use, attackers often disguise themselves as trusted contacts or organisations to trick users into divulging private data.

AMCO Recommendations
To minimise accidental transfers, we recommend:
- Double-check recipient details: always verify the recipient’s information before confirming transactions.
- Enable name verification: use services that confirm the recipient’s name matches the account details.
- Set up alerts and limits: activate transaction alerts and spending limits for added security.
- Watch for urgent requests: be cautious of unexpected or urgent payment demands, as they may be scams.
- Stay informed on scams: keep up to date with online banking scams and phishing tactics.
- Use secure platforms: choose banking services with strong fraud detection and security measures.
By combining careful user behaviour with technical safeguards, the risk of accidental transfers can be significantly reduced.
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