It does not matter at which OS other malware is targeting.
The question is: when will someone try to hack protected EU accounts?
It does not matter if it is protected by GoldCard or by app.
GC scenario:
Your PC is infected by the EU-malware and shows you a faked EU login screen.
It then takes your valid Username, password and GC code.
After that it shows you error messages.
The hacker has then enough time to empty your account.
Advantage: you can notice that something is wrong and can desync the GC by entering wrong codes on the website before hacker can use the stolen data.
App scenario:
Your PC is infected by the EU-malware and gathers your username and password by keylogger.
Your phone is also infected by the EU-malware and generates codes for itself
You wont notice it until your account is empty or login is blocked while the hacker is doing it.
As almost everybody connect the phone to the Wifi, so it could be also possible to infect phone/PC eachother.
But all these scenarios are useless if nobody dares to hack protected accounts
The question is: when will someone try to hack protected EU accounts?
It does not matter if it is protected by GoldCard or by app.
GC scenario:
Your PC is infected by the EU-malware and shows you a faked EU login screen.
It then takes your valid Username, password and GC code.
After that it shows you error messages.
The hacker has then enough time to empty your account.
Advantage: you can notice that something is wrong and can desync the GC by entering wrong codes on the website before hacker can use the stolen data.
App scenario:
Your PC is infected by the EU-malware and gathers your username and password by keylogger.
Your phone is also infected by the EU-malware and generates codes for itself
You wont notice it until your account is empty or login is blocked while the hacker is doing it.
As almost everybody connect the phone to the Wifi, so it could be also possible to infect phone/PC eachother.
But all these scenarios are useless if nobody dares to hack protected accounts