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Security report for bankgirot.se

Bankgirot · Finance · Sweden

Low risk. 1 critical or high finding in SSL/TLS.

Security score

81/100

Risk levelLow

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

Bankgirot is a key Swedish financial infrastructure provider specializing in payment services including clearing, invoicing, and direct debit solutions. The company serves businesses and organizations in Sweden, offering a broad portfolio of payment-related services. The website reflects a mature and professional organization with a clear focus on supporting Swedish payment infrastructure and customer self-service. The presence of job listings and annual reports indicates an active and transparent business. Technically, the website uses modern JavaScript libraries and analytics tools, with a cookie consent mechanism aligned with GDPR requirements. Security posture is strong with HTTPS and secure forms, though some security headers and explicit policies could be improved. WHOIS data extraction failed due to querying a subdomain, but metadata and content suggest a legitimate and established entity. Overall, the site is well-designed, trustworthy, and compliant with privacy regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
Checks completed
7of 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

1 finding 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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching bankgirot.se

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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

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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
67
Security headers
80
Email security
85
DNS health
70
Network security
100
GDPR outside view
83
Average
81

Not counted

  • 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

Bankgirot operates in the banking sector as an essential payment infrastructure provider in Sweden. Its business model revolves around facilitating payment transactions, invoicing, and clearing services for corporate clients. The company targets Swedish businesses and financial institutions, positioning itself as a critical backbone in the national payment ecosystem. The website's content and linked domains indicate partnerships with service providers for invoicing and validation. The company appears large and established since at least 2014, with a consistent brand presence and active recruitment efforts. The business benefits from trust signals such as annual reports and comprehensive customer support resources.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, cookie consent management, and use of CAPTCHA on forms. Analytics tools are used responsibly with clear privacy policies. However, the absence of explicit security headers like Content-Security-Policy and lack of published security or incident response policies are gaps. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site would benefit from publishing a vulnerability disclosure policy and security.txt file to enhance transparency and incident handling readiness. Overall, the security maturity is good but can be improved with formalized policies and headers.

Recommendations

  1. Implement and publish explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a formal security policy and incident response contact information to improve transparency and readiness for security incidents.
  3. Create and maintain a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to meet compliance standards and improve user experience for all visitors.
  5. Regularly audit and update third-party scripts and analytics tools to mitigate risks from external dependencies.

Contact details published on the site

Addresses
Legal name
Bankgirot
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Bankgirot
Description
Här hittar du beskrivning av Bankgirots tjänsteutbud samt en rad självservicetjänster, supporthjälp genom handböcker och dokumentation samt Frågor & Svar.
Key services
Utbetalningar, Autogiro, Kommunikationslösningar, Clearing och Avveckling, Fakturatjänster, Inbetalningar, Övriga tjänster
Content quality
good
Branding
consistent

Technology

Stack
jQuery, FontAwesome, Slick Carousel, Modernizr, Piwik PRO analytics, CookieTractor consent management
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with detailed cookie descriptions
  • No exposed sensitive data in HTML
  • Secure forms with captcha (reCAPTCHA v2 site key present)

Analytics and tracking

Services
Piwik PRO, Matomo
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Piwik PRO, Matomo
Marketing tools
CookieTractor
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. Content is professional and business-oriented focused on payment services
  3. Cookie consent and privacy policies are implemented and GDPR compliant
  4. WHOIS data extraction failed due to querying subdomain instead of domain
  5. No explicit security.txt or incident response info found
  6. Multiple job postings indicate active business operations
  7. Use of modern analytics and consent management tools
  8. No suspicious or malicious content detected
Technical notes

Notes

The website uses a modern front-end stack including jQuery, FontAwesome icons, Slick Carousel for sliders, and Modernizr for feature detection. Analytics are handled via Piwik PRO and Matomo, with cookie consent managed by CookieTractor. The site is mobile optimized with responsive design and includes SEO best practices such as meta tags and Open Graph data. Performance is moderate with asynchronous script loading. No CMS or hosting provider details were detected. The site uses secure forms with CAPTCHA integration. Technical debt appears low, but opportunities exist to improve security headers and accessibility compliance.
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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