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Fungal Nail Infection (Onychomycosis) Overview. Fungal infection of the toenails or fingernails is caused by a fungal microbe that invades the nail bed. Fungal nail infection is also termed onychomycosis and tinea unguium. Fungal nail infection causes fingernails or toenails to thicken, discolor, disfigure, and split. At first, onychomycosis appears to be only a cosmetic concern. Without treatment, however, the toenails can become so thick that they press against the inside of the shoes, causing pressure, irritation, and pain.
Especially places where your feet may be exposed to water, such as around public pools, beach showers, gyms and amusement parks. But generally, you could get it from any where even your own home. The answer to what causes black toe nail fungus is microscopic fungi spores that thrive in damp areas.