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Security report for asb.co.nz

ASB Bank · Finance · New Zealand

Partial score · DNS & email only

58/100

0–100, higher is better. How it is calculated

ASB Bank is a major financial institution in New Zealand offering a wide range of personal and business banking services including mortgages, loans, insurance, credit cards, and investment products. The website is professionally designed and targets New Zealand residents and businesses seeking banking solutions. The technical infrastructure leverages Adobe Experience Manager as the CMS and integrates multiple analytics and marketing tools such as Adobe Target, Google Analytics, and Facebook Pixel, indicating a mature digital marketing strategy. Security posture is strong with HTTPS enforced and no visible sensitive data exposure, though the absence of security headers and explicit privacy and cookie policies suggests room for improvement. The lack of publicly available WHOIS data is typical for .nz domains but reduces transparency. Overall, the website is trustworthy and professional, with recommendations to enhance privacy compliance and security header implementation.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
6of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

Need hands-on remediation? Email guard@offseq.com

Keep watching asb.co.nz

This scan found 17 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
0
Email security
70
DNS health
65
Network security
100
GDPR outside view
53
Average
58

Not counted

  • Security headers: did not complete in this scan.
  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

ASB Bank holds a strong market position as one of New Zealand's leading banks, focusing on retail and business banking sectors. Its business model revolves around providing comprehensive financial products and services to individuals and enterprises. The website content and marketing tools reflect a customer-centric approach with extensive use of digital channels for engagement. The absence of explicit contact details in the HTML snippet suggests that such information may be located on dedicated pages not included here. The bank's use of advanced analytics and marketing platforms indicates a data-driven approach to customer acquisition and retention. No suspicious domains or partners were identified, supporting a clean partnership ecosystem.

Security posture

The website demonstrates a solid security foundation with HTTPS enabled and no apparent exposure of sensitive information. However, the lack of security headers such as Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options is a notable gap. No vulnerability disclosures or incident response contacts are visible, which could hinder rapid response to security incidents. The extensive use of third-party scripts necessitates ongoing monitoring for vulnerabilities. Privacy compliance is limited by the absence of visible privacy and cookie policies, which may impact GDPR and other regulatory adherence. Overall, the security maturity is good but can be enhanced by adopting best practices in headers and transparency.

Recommendations

  1. Implement comprehensive privacy and cookie policies with clear user consent mechanisms.
  2. Add and enforce security headers including Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  3. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  4. Provide clear contact information for security incidents and data protection officer details.
  5. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ASB Bank
Description
ASB Bank offers mortgage, KiwiSaver, foreign exchange, loans, insurance, credit cards, accounts, business & investment products to help with your banking needs. Login to FastNet internet banking or visit us in branch today.
Key services
mortgage, KiwiSaver, foreign exchange, loans, insurance, credit cards, accounts, business & investment products, internet banking
Content quality
good
Branding
consistent

Technology

Stack
Adobe Target, Google Analytics, Google Tag Manager, jQuery, Adobe Launch, Facebook Pixel
Frameworks
Adobe Experience Manager (AEM)
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No visible sensitive data exposure
  • Use of secure analytics and marketing scripts

Analytics and tracking

Services
Google Analytics, Adobe Analytics
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google Ads, Facebook Ads
Tracking pixels
Facebook Pixel
Marketing tools
Adobe Target
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-branded for a major New Zealand bank
  2. No WHOIS data available publicly for domain www.asb.co.nz
  3. No explicit privacy, cookie, or terms of service pages detected in the provided HTML snippet
  4. Multiple marketing and analytics scripts are used, including Adobe and Google services
  5. No visible contact emails or phone numbers explicitly labeled as company contacts in the HTML snippet
  6. No security.txt or vulnerability disclosure information found
  7. No visible security headers detected in the provided data
  8. HTTPS is enforced and used site-wide
  9. No WAF or security challenge detected
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, and integrates multiple analytics and marketing technologies such as Adobe Target, Google Analytics, and Facebook Pixel. The site appears mobile-optimized with good accessibility and SEO practices. Performance is moderate, likely influenced by the number of external scripts. The HTML structure is valid and includes appropriate meta tags for social media and SEO. Hosting details are not explicitly identified. The technical stack supports a scalable and maintainable digital presence but requires ongoing optimization for performance and security.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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