Some people tend to lump digital security into one big category and assume antivirus and identity protection do the same job. They don’t. They solve completely different problems, and figuring out where to spend your money first means being honest about which threat is most likely to affect you.
Unless you’re buying everything at once, knowing which to purchase first can be a problem. We’ll lay out the difference between device security and identity theft security, and how to decide which one deserves your money first.
Modern threats have moved beyond old-school viruses
There was a time when a common computer virus would crash your machine, maybe wipe a few files and that was just about the end of it (RIP, LimeWire!). Those days are long gone; the cyberattack landscape has evolved from crashing computers by overloading system resources or corrupting files to gathering personal data. The real action now is getting you to hand over the keys to your life.
A computer virus is a specific kind of malware that self-replicates, spreading from device to device. The effects of a computer virus vary from corrupting data and software to holding personal data hostage.
Attackers have learned that people are softer targets than machines, so while viruses still exist, malware and social engineering attacks pose a significant risk. A well-timed phishing email or a fake login page will get bad actors far more than any old-school virus ever did. And thanks to the nonstop parade of data breaches, they don’t even need to work that hard. Your phone number, your passwords, your financial details, the whole package is potentially floating around in databases you’ve never even heard of, traded and sold like bulk goods on the dark web.
AI has only made this mess easier to exploit. Scammers can now spin up believable messages in your writing and even fake your voice. They don’t even have to be creative. They just need to be convincing enough to get a click or a reply.
Meanwhile, your personal data doesn’t just stay on your computer. It gets collected and sold by advertisers and data brokers, or anyone else who can make a quick buck off of it. On its own, that doesn’t automatically put your information in criminal hands. Advertisers and data brokers aren’t criminals by default, but they increase the surface area for failure since they’re valuable targets for breaches and leaks. And once your personal data is out there, it can end up anywhere, including in the hands of bad actors who want to pretend to be you.
Good antivirus software still has a job to do, but it can only guard the screen in front of you. It can’t see breaches happening at companies you don’t control or the impersonation attempts made with data stolen years ago. Data breach monitoring is usually limited to monitoring your personal information after it’s been leaked, so you can proactively safeguard your accounts by changing passwords and enabling multi-factor authentication.
The threats have moved on, and they’re aimed at people more than machines.
What you actually get when you buy antivirus
Antivirus guards your device from malware like viruses that don’t belong on your system. You’ll typically get real-time protection, as well as the ability to run manual and automated scans.
While the free antivirus protection on Windows, Microsoft Defender, mostly focuses on anti-malware solutions, many free and paid third-party options include broader security features. Most good antivirus software tries to keep you from walking into obvious traps. You’ll often find scam detectors, ad-blockers and malicious site blockers. The anti-phishing tools do a good job of steering you away from potential threats, too.
But there’s a clear limit to what antivirus can do. It has no idea what’s happening to your credit or your bank account. It also doesn’t know what happens to your personal information once it leaves your device. If someone opens a credit card in your name or your data shows up on the dark web, an antivirus solution won’t see it.
The job of the antivirus is to protect the machine, but not the person behind it.
What real identity theft protection covers
Identity theft protection doesn’t really care about the health of your laptop. These services keep an eye on the pieces of information that follow you everywhere. Your SSN , your email addresses, your phone number and the accounts tied to your financial life. If anything turns up where it shouldn’t, it gives you a heads up. However, you should think of identity theft protection more as monitoring, since there’s little you can do before a data breach besides taking proactive measures, like using secure passwords and freezing your credit.
Identity theft protection services may also watch your credit reports for suspicious activity. If there’s a hard inquiry or a new account you’ve never opened, or if there’s a sudden dip in your credit score, a good identity theft protection service will send you an alert. This is useful because these are the early warning signs of identity theft — and catching it early matters.
Your data can end up on the dark web or in a long list on a data broker site, so a big part of the job happens in places you don’t really see. Most identity theft protection services will scan those corners to see if you’ve been swept up in the latest leaks.
When something looks off, you’ll get alerts and plain instructions about what to do next. If things get really bad, the best identity theft protection plans will bring in specialists who help you fix the damage. This is called white glove restoration.
The real difference between device security and identity security
Device security and identity security may sound like they belong in the same bucket, but really, they couldn’t be more different.
Antivirus is the guard posted at your hardware, whereas identity security is out on the battlefield. Antivirus works inside your device, and identity theft protection tools operate in the wider world.
And when something goes wrong, the fixes aren’t even in the same world. Antivirus cleans up an infection and sends you on your way. Identity theft protection helps you untangle fraudulent accounts, repair your credit and deal with the fallout of someone else using your name.
But to be very clear, they both matter.
Choosing what to buy first (based on your situation)
This question doesn’t have a one-size-fits-all answer. The right starting point really depends on what kind of trouble you think you’re most likely to run into. But if you don’t have any protection at all, start with antivirus or a basic security suite. You want to lock your front door to keep people out, right?
If what really keeps you up at night is someone opening accounts in your name or poking around your credit, identity monitoring is the smarter first move. Identity theft protection watches for the early warning signs you’re probably not going to see on your own, like surprise credit checks or new accounts you didn’t open.
If money is tight, stick with the free basics and take some proactive measures. Use a free antivirus, set strong passwords (and if you can, get a password manager), use two-factor authentication and keep your devices updated. None of that costs you anything, and it covers more ground than people think. You can add identity tools when your budget lets you.
High-risk users have a different problem. If you run a business or carry a lot of credit exposure, you need both. Your information is considered more valuable, and you’re more likely to be targeted.
And finally, if you’ve already been hit by identity theft, the choice is simpler: Identity protection comes first. It gives you the alerts, guidance and recovery support that antivirus will never be able to deliver, no matter how good it is at swatting malware.
Some antivirus software offers identity protection coverage as well, like McAfee, Bitdefender, Norton and Malwarebytes. But the core of antivirus software focuses on protection against malware.
Free steps that protect you even without a subscription
You can use free or paid antivirus software and identity protection services, but if cash is tight, you don’t need a paid subscription to make yourself harder to mess with. There are plenty of free steps you can take that raise the bar for anyone looking for an easy target, and most of them come down to tightening habits you already have.
A short list of the most useful steps looks something like this:
- Use strong, unique passwords for every account you have.
- Turn on 2FA whenever it’s offered.
- Keep your operating system, browser and apps updated.
- Turn on bank and card alerts for unusual activity.
- Use a credit freeze to stop new accounts from being opened (you can unlock the freeze yourself when you’re ready to open a new account).
- Share less personal information online.
- Check your credit reports once in a while for accounts you don’t recognize.
- Review the apps on your phone and remove the ones you never use or don’t need anymore.
- Avoid logging into sensitive accounts on public Wi-Fi if you’re worried about privacy or think you might be on a compromised wireless network.
- Don’t let your browser remember your credit card info.
- Back up important files so you have a fallback if something goes wrong.
It’s true that none of this is glamorous, but it shifts the odds in your favor. Attackers look for easy targets, so the more friction you create, the more likely they are to move on to someone else.
