A recent article on PCMag features an author who has been testing antivirus software since the 1980s, asserting that Microsoft Defender (formerly Windows Defender) is not sufficient protection for modern users. Despite Microsoft's claims that Defender is all you need, the expert presents arguments based on years of testing.

Why Defender Falls Short

According to the author, Defender performs well in basic tests but falls behind commercial antivirus solutions in protecting against complex threats such as:

  • Phishing attacks and malicious links
  • Ransomware
  • Zero-day vulnerabilities
  • Spyware and keyloggers

What Experts Recommend

Instead of relying solely on Defender, the author advises using comprehensive solutions from third-party vendors. PCMag's review lists the best antivirus software of 2026, which offer deeper protection, including:

"Even the best free antivirus cannot match paid solutions in terms of protection against modern threats. Don't skimp on security—choose a proven product."

VirtCardPay's Take

Online security is not just about antivirus software. If you use virtual cards to pay for international services or work with cryptocurrencies, additional protection against phishing and malware becomes critical. Don't rely solely on Windows' built-in tools—invest in a reliable antivirus solution to safeguard your finances and data.

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Sources

This material is for informational purposes only and is not financial advice. Data and service terms may change, so check primary sources before making a payment or investment decision. Mentions of third-party brands and services do not imply official partnership, support, or endorsement by VirtCardPay.
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