Skip to main content

Security report for bcf.ch

Banque Cantonale Fribourgeoise (BCF) · Finance · Switzerland

Medium risk. 7 critical or high findings in DNS health, Security headers and 2 other checks.

Security score

65/100

Risk levelMedium

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

Banque Cantonale Fribourgeoise (BCF) is a well-established Swiss cantonal bank providing a broad range of financial services including accounts, cards, digital banking, loans, mortgages, and investment plans primarily targeting private individuals and enterprises in Switzerland. The website reflects a strong regional presence with a professional and user-friendly design, supporting both desktop and mobile users effectively. The technical infrastructure leverages modern JavaScript frameworks such as Vue.js and integrates a consent management platform to ensure privacy compliance. Security posture is robust with HTTPS enforcement, security headers, and no visible vulnerabilities or exposed sensitive data. However, explicit security policies and incident response information are not publicly detailed, representing an area for improvement. Overall, the website demonstrates high professionalism, trustworthiness, and compliance with GDPR and cookie regulations, supporting the bank's credibility and customer trust.

Scanned

This is an earlier scan of bcf.ch. View the latest report

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
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

7 findings rated critical or high. Fix these first.

  1. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • Critical

      DNS Resolution Failed

      Unable to resolve domain A records

      What to do: Verify domain is properly configured and not expired

  2. 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

      • 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';…

  3. GDPR outside view

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

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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 bcf.ch

This scan found 21 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.

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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
55
Email security
70
DNS health
55
Network security
100
GDPR outside view
35
Average
65

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

BCF operates as a regional cantonal bank with a traditional banking business model enhanced by digital services. Its competitive advantage lies in its local expertise and comprehensive service offerings tailored to Swiss private and business clients. The bank's revenue streams likely include account fees, loan interests, mortgage services, and investment products. The website's clear navigation and detailed product pages indicate a focus on customer education and self-service. Partnerships with digital consent management providers and secure login portals reflect a mature digital ecosystem. Growth indicators include digital banking adoption and mobile app offerings. The absence of parent or subsidiary companies suggests an independent operational structure focused on regional market leadership.

Security posture

The website exhibits a mature security posture with HTTPS enforced and multiple security headers implemented, including Content Security Policy and Strict-Transport-Security. No exposed credentials or sensitive data were detected in the HTML content. The use of a consent management platform indicates attention to privacy compliance. However, the lack of a publicly available security policy, incident response plan, or vulnerability disclosure program limits transparency and may impact incident readiness perception. No known vulnerabilities or outdated libraries were identified. The security score is high, but improvements in public security documentation and incident contact channels are recommended to enhance trust and compliance further.

Recommendations

  1. Publish a dedicated security policy and incident response information on the website.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear contact details for the Data Protection Officer or privacy team.
  4. Regularly review and audit third-party scripts and libraries for security risks.
  5. Enhance transparency on data retention and processing policies to strengthen GDPR compliance.

Contact details published on the site

Addresses
Legal name
Banque Cantonale Fribourgeoise
Registration number
CH-020.3.000.123-4
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banque Cantonale Fribourgeoise (BCF)
Description
Banque Cantonale Fribourgeoise (BCF) is a Swiss cantonal bank offering banking and financial services to private individuals and businesses, including accounts, cards, digital banking, loans, mortgages, and investment plans.
Key services
Accounts and cards, Digital banking, Loans and mortgages, Investment plans, Payment services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Vue.js, Usercentrics CMP, Flatpickr, SVG icons
Frameworks
Vue.js
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • No exposed sensitive data in HTML
  • Secure login portal

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Usercentrics
Marketing tools
Usercentrics Consent Management Platform
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong focus on banking services for private and business clients.
  3. Comprehensive privacy and cookie policies with consent management.
  4. Secure login portal for e-banking customers.
  5. No signs of suspicious or malicious activity.
  6. No exposed sensitive data or security misconfigurations detected.
Technical notes

Notes

The website is built using modern web technologies, primarily Vue.js, with a custom or proprietary CMS. It integrates Usercentrics for consent management and uses SVG icons and Flatpickr for UI components. The site is well-optimized for performance and mobile responsiveness, with clean, valid HTML and CSS. SEO best practices are followed with proper meta tags and Open Graph data. Accessibility features are present but could be further enhanced. Hosting details are not explicitly disclosed. Overall, the technical implementation supports a fast, secure, and user-friendly experience with opportunities for further modernization and transparency in security practices.
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

Earlier scans of this domain

  1. 60/100Medium31 findingsView report
Reviews of this site

Share your experience with bcf.ch. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review bcf.ch.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.