Security report for bausparen.at

Raiffeisen Bausparkasse Gesellschaft m.b.H. · Finance · Austria

High risk. 19 critical or high findings in GDPR outside view, SSL/TLS and 2 other checks.

Security score

29/100

Risk levelHigh

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

Raiffeisen Bausparkasse Gesellschaft m.b.H. is a well-established Austrian financial services company specializing in building savings contracts and financing solutions for housing and related needs. The company has a strong market presence with over 60 years of experience and offers a range of products including classic building savings, financing for construction, renovation, education, and health care. The website reflects a professional and consistent brand image targeting private individuals seeking secure and reliable financial products. Technically, the site is built on Adobe Experience Manager and uses modern web technologies such as AngularJS and Adobe DTM for analytics and marketing. It is hosted behind Cloudflare, ensuring good performance and security at the network level. However, a critical security issue is the invalid or missing SSL certificate and lack of TLS protocol support, which severely impacts the security posture and user trust. Privacy compliance is well addressed with comprehensive privacy and cookie policies and a consent mechanism in place. Contact information is clearly provided, enhancing business credibility. Overall, the site is functional and professional but requires urgent remediation of SSL/TLS issues to ensure secure user interactions.

Scanned

NIS2 and GDPR posture

GDPR outside view: 0/ 100 · Critical
Checks completed: 7of 7

NIS2 Art. 21(2)

(a) Risk analysis and security policies: Not visible from outside
(b) Incident handling: One indicator
(c) Business continuity, backups and crisis management: Not visible from outside
(d) Supply chain security: Not visible from outside
(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
(f) Assessing the effectiveness of security measures: Not visible from outside
(g) Cyber hygiene and security training: Not visible from outside
(h) Cryptography and encryption: Partly checked
(i) HR security, access control and asset management: One indicator
(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

19 findings rated critical or high. Fix these first.

GDPR outside view
These are the privacy signals visitors and data protection authorities look for under GDPR.
- Critical
  EU business without adequate privacy measures
  EU businesses are subject to strict GDPR requirements
  What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures
- Critical
  No HTTPS encryption
  GDPR requires appropriate security measures for personal data
  What to do: Implement SSL/TLS certificate for HTTPS
  References
  - CWE-319
  - OWASP A04:2025
  - ASVS V12.2.1
  - NIS2 21(2)(h)
  - IR 2024/2690 9.2(a): Implementing Regulation (EU) 2024/2690, Annex point 9.2(a): Cryptography
  - GDPR Art. 32(1)(a)
  - NIST SC-8: NIST SP 800-53 Rev. 5 SC-8: Transmission Confidentiality and Integrity
- 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
  References
  - ePrivacy Art. 5(3)
- 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
  References
  - GDPR Art. 7
  - ePrivacy Art. 5(3)
  - NIST PT-4: NIST SP 800-53 Rev. 5 PT-4: Consent
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
  No HTTPS Encryption
  Website does not use HTTPS encryption, making all data transmission vulnerable to interception
  What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS
  References
  - CWE-319
  - OWASP A04:2025
  - ASVS V12.2.1
  - NIS2 21(2)(h)
  - IR 2024/2690 9.2(a): Implementing Regulation (EU) 2024/2690, Annex point 9.2(a): Cryptography
  - GDPR Art. 32(1)(a)
  - NIST SC-8: NIST SP 800-53 Rev. 5 SC-8: Transmission Confidentiality and Integrity
Network security
Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.
- Critical
  Critical Service Exposed: Telnet
  Port 23 (Telnet) is publicly accessible - Telnet - Unencrypted remote access
  What to do: Immediately restrict access to Telnet using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: SMB
  Port 445 (SMB) is publicly accessible - SMB - Windows file sharing, high risk
  What to do: Immediately restrict access to SMB using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: MSSQL
  Port 1433 (MSSQL) is publicly accessible - MSSQL - Database server
  What to do: Immediately restrict access to MSSQL using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: Oracle
  Port 1521 (Oracle) is publicly accessible - Oracle - Database server
  What to do: Immediately restrict access to Oracle using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: MySQL
  Port 3306 (MySQL) is publicly accessible - MySQL - Database server
  What to do: Immediately restrict access to MySQL using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: RDP
  Port 3389 (RDP) is publicly accessible - RDP - Remote Desktop, prime ransomware target
  What to do: Immediately restrict access to RDP using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: PostgreSQL
  Port 5432 (PostgreSQL) is publicly accessible - PostgreSQL - Database server
  What to do: Immediately restrict access to PostgreSQL using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: Redis
  Port 6379 (Redis) is publicly accessible - Redis - In-memory database
  What to do: Immediately restrict access to Redis using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- Critical
  Critical Service Exposed: MongoDB
  Port 27017 (MongoDB) is publicly accessible - MongoDB - NoSQL database
  What to do: Immediately restrict access to MongoDB using firewall or VPN
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- High
  High-Risk Service Exposed: FTP
  Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer
  What to do: Consider restricting access to FTP or implementing strong authentication
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- High
  High-Risk Service Exposed: RPC
  Port 135 (RPC) is publicly accessible - RPC - Windows RPC endpoint
  What to do: Consider restricting access to RPC or implementing strong authentication
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- High
  High-Risk Service Exposed: NetBIOS
  Port 139 (NetBIOS) is publicly accessible - NetBIOS - Windows file sharing
  What to do: Consider restricting access to NetBIOS or implementing strong authentication
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
- High
  High-Risk Service Exposed: Elasticsearch
  Port 9200 (Elasticsearch) is publicly accessible - Elasticsearch - Search engine
  What to do: Consider restricting access to Elasticsearch or implementing strong authentication
  References
  - NIS2 21(2)(e)
  - IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
  - NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
  - NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
Security headers
Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.
- High
  Missing Content-Security-Policy header
  Controls resources the browser is allowed to load
  What to do: Implement a Content-Security-Policy appropriate for your application
  References
  - ASVS V3.4.3
  - OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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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
Security headers: 40
Email security: 50
DNS health: 85
Network security: 0
GDPR outside view: 0
Average: 29

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 · found on this site
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

The company operates in the finance and real estate sectors, focusing on building savings and financing products. It leverages its affiliation with the Raiffeisen Group to maintain a strong market position in Austria. The business model centers on providing tailored financial products with competitive interest rates and government incentives. The website supports customer engagement through online calculators, financing tools, and digital contract signing via the Mein ELBA platform. The company also emphasizes sustainability and social responsibility, which enhances its brand reputation. Partnerships with related Raiffeisen services and external platforms strengthen its ecosystem. Growth indicators include a broad product portfolio and digital transformation initiatives. The company targets private individuals and families planning home ownership or renovation, positioning itself as a trusted financial partner.

Security posture

The website demonstrates some security best practices such as the use of security headers (X-Frame-Options, HSTS) and secure cookie flags. However, the absence of a valid SSL certificate and lack of TLS protocol support represent critical vulnerabilities that expose users to potential data interception and undermine trust. There is no public security policy or incident response information available, which limits transparency. No vulnerability disclosure or security.txt files were found. The site uses Cloudflare as a protective layer, but the SSL misconfiguration is a significant risk. Privacy compliance is strong, indicating a mature approach to data protection. Overall, the security posture is moderate but requires immediate attention to SSL/TLS issues to meet industry standards and regulatory requirements.

Recommendations

Urgently fix the SSL certificate to ensure HTTPS is properly enabled and trusted by browsers.
Enable and configure TLS 1.2 or higher protocols to secure data in transit.
Implement OCSP stapling and session resumption to improve SSL performance and security.
Publish a clear security policy and incident response contact information to enhance transparency.
Consider adding a vulnerability disclosure policy or security.txt file to encourage responsible reporting.

Contact details published on the site

Addresses

Mooslackengasse 12, 1190 Wien, Austria (map, opens in a new tab)

Legal name

Raiffeisen Bausparkasse Gesellschaft m.b.H.

Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, and uses modern JavaScript frameworks like AngularJS. It integrates Adobe Dynamic Tag Management for analytics and marketing, and Jentis for tag management. Hosting and CDN services are provided by Cloudflare, which offers performance and security benefits. The site is mobile optimized and accessible with good SEO practices. However, the SSL/TLS configuration is critically flawed, with no valid certificate and no TLS protocols enabled, which is a major technical risk. Performance data is unavailable, but the use of Cloudflare and PageSpeed module suggests potential for good performance. The site uses multiple external services for calculators and financing tools, indicating a modular and service-oriented architecture. Overall, the technical infrastructure is modern and capable but requires urgent security improvements.

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.

OWASP Top 10:2025 (opens in a new tab)2025 (membership per CWE 4.20) · CC BY-SA 4.0
OWASP ASVS (opens in a new tab)5.0.0 · CC BY-SA 4.0
OWASP Web Security Testing Guide (opens in a new tab)latest (checklist.json, master) · CC BY-SA 4.0
OWASP Secure Headers Project (opens in a new tab)2026-10-18 · Apache-2.0
Mozilla Server Side TLS (intermediate) (opens in a new tab)6.0 · MPL-2.0
NIST SP 800-53 Rev. 5 (OSCAL catalog) (opens in a new tab)5.2.0 · Public domain (US Government work)
Directive (EU) 2022/2555 (NIS2) (opens in a new tab)OJ L 333, 27.12.2022 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
Commission Implementing Regulation (EU) 2024/2690 (opens in a new tab)OJ L, 18.10.2024 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
Regulation (EU) 2016/679 (GDPR) (opens in a new tab)OJ L 119, 4.5.2016 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
Directive 2002/58/EC (ePrivacy), consolidated (opens in a new tab)19.12.2009 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
RFC Editor metadata (opens in a new tab)per-RFC (obsolete RFCs rejected) · IETF Trust Legal Provisions (metadata only)
NIST CSRC, W3C TR, IETF Datatracker, EDPB, EUR-Lex CELLAR and gesetze-bayern.de (opens in a new tab)per document · Titles and links only
W3C WCAG 2.2 (opens in a new tab)W3C Recommendation (wcag.json) · W3C Software and Document License
Directive (EU) 2019/882 (European Accessibility Act) (opens in a new tab)OJ L 151, 7.6.2019 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
Directive (EU) 2016/2102 (Web Accessibility Directive) (opens in a new tab)OJ L 327, 2.12.2016 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)

Retrieved 2026-10-25

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Priority findings

GDPR outside view

EU business without adequate privacy measures

No HTTPS encryption

No Cookie Policy found

No Cookie Consent Banner found

SSL/TLS

No HTTPS Encryption

Network security

Critical Service Exposed: Telnet

Critical Service Exposed: SMB

Critical Service Exposed: MSSQL

Critical Service Exposed: Oracle

Critical Service Exposed: MySQL

Critical Service Exposed: RDP

Critical Service Exposed: PostgreSQL

Critical Service Exposed: Redis

Critical Service Exposed: MongoDB

High-Risk Service Exposed: FTP

High-Risk Service Exposed: RPC

High-Risk Service Exposed: NetBIOS

High-Risk Service Exposed: Elasticsearch

Security headers

Missing Content-Security-Policy header

Keep watching bausparen.at

Daily monitoring

Full report

Results by check

Security headers, 7 findings, score 40/100

SSL/TLS, 1 finding, score 0/100

Email security, 1 finding, score 50/100

DNS health, 2 findings, score 85/100

Network security, 14 findings, score 0/100

GDPR outside view, 7 findings, score 0/100

NIS2 outside view, Earlier method, rescan for details · not counted in the security score–