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Security report for banknorwegian.fi

Bank Norwegian, a branch of NOBA Bank Group AB (publ) · Finance · Finland

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

Security score

85/100

Risk levelLow

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

Bank Norwegian, operating as a branch of NOBA Bank Group AB (publ), provides consumer financial services including loans, credit cards, savings accounts, and insurance products primarily targeting Finnish consumers. The website reflects a professional and consistent brand presence with clear navigation and relevant content tailored to its audience. The company maintains an international footprint with sister sites in multiple European countries, reinforcing its market position as a regional consumer finance provider. Technically, the website leverages modern web technologies such as React and Material-UI, with media assets hosted on Cloudinary and analytics via Google Tag Manager and Google Analytics. The site is mobile-optimized and accessible, with good SEO practices implemented. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, though explicit security headers and incident response policies are not publicly documented. WHOIS data aligns well with the business claims, indicating a legitimate and consistent registration. Overall, the website demonstrates a mature digital presence suitable for a financial institution, with minor areas for improvement in security transparency and contact information availability.

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

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Keep watching banknorwegian.fi

This scan found 15 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
77
Security headers
80
Email security
85
DNS health
85
Network security
100
GDPR outside view
83
Average
85

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention banknorwegian.fi, from OffSeq Breach.

Total records
6
Employees
0
Customers
6
Third parties
0
Weak passwords
17%

2 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for banknorwegian.fi.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

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

Business context

Business profile

Bank Norwegian's market positioning as a branch of NOBA Bank Group allows it to leverage group resources while focusing on the Finnish consumer finance market. Its competitive advantages include a diversified product portfolio (loans, credit cards, savings, insurance) and a clear digital-first approach. Revenue streams likely derive from interest on loans, credit card fees, and insurance premiums. The target customer segment is Finnish consumers seeking flexible credit and savings solutions. Growth indicators include international sister sites and modern digital infrastructure. The partnership ecosystem includes Cloudinary for media hosting and Google services for analytics and marketing. Strategic observations suggest continued investment in digital experience and compliance will support market expansion and customer trust.

Security posture

The website exhibits a solid security maturity level with HTTPS enforced and a cookie consent mechanism aligned with GDPR requirements. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options reduces defense-in-depth. There is no visible security or incident response policy, nor a vulnerability disclosure program or security.txt file, which are best practices for transparency and rapid incident handling. Compliance with GDPR is evident through privacy and cookie policies, but further documentation on incident response and data protection officer contact would enhance trust. Overall, the security posture is good but could be improved by adopting additional security headers and publishing formal security policies.

Recommendations

  1. Implement and publish explicit security headers including CSP, HSTS, and X-Frame-Options to strengthen browser security.
  2. Publish an incident response policy and provide clear contact channels for security incidents to improve transparency and readiness.
  3. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance contact information availability by including verified company emails and phone numbers for customer and security inquiries.
  5. Regularly review and update privacy and cookie policies to maintain compliance with evolving regulations and best practices.

Contact details published on the site

Addresses
Legal name
Bank Norwegian, a branch of NOBA Bank Group AB (publ)
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Bank Norwegian, a branch of NOBA Bank Group AB (publ)
Description
Bank Norwegian offers consumer loans, credit cards, savings accounts, and insurance products primarily targeting Finnish customers as part of the NOBA Bank Group.
Key services
Consumer loans, Credit cards, Savings accounts, Insurance products
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics, Cloudinary (image hosting), Material-UI (Mui classes)
Frameworks
React
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed with clear navigation and consistent branding.
  2. Comprehensive privacy and cookie policies with consent mechanism implemented.
  3. No visible contact emails or phone numbers on main pages; only physical address in footer.
  4. Use of modern web technologies and analytics tools.
  5. No security.txt or explicit security/incident response policies found.
  6. No terms of service page explicitly found.
  7. International presence indicated via footer links to sister sites in other countries.
Technical notes

Notes

The website is built using modern web technologies including React and Material-UI, providing a responsive and accessible user interface. Media assets are efficiently served via Cloudinary, contributing to fast load times and good performance. Google Tag Manager and Google Analytics are used for tracking and marketing analytics, indicating a mature digital marketing approach. The site includes structured data (JSON-LD) for SEO benefits. No CMS is explicitly detected, suggesting a custom or proprietary platform. Accessibility features such as skip links and semantic HTML are present, enhancing usability. Technical risks are minimal, but the lack of explicit security headers and incident response documentation represent areas for modernization and risk mitigation.
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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