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Security report for bcr.ro

BCR | Banca Comerciala Romana · Finance · Romania

Medium risk. 4 critical or high findings in GDPR outside view and Security headers.

Security score

73/100

Risk levelMedium

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

BCR (Banca Comerciala Romana) is a leading Romanian bank offering a comprehensive range of retail banking services including digital banking via its George platform, credit cards, personal and mortgage loans, savings, and investment products. The website reflects a mature digital presence with consistent branding and a user-friendly interface targeting individual consumers in Romania. Technically, the site leverages modern JavaScript frameworks, Google Analytics, Tag Manager, and Visual Website Optimizer for analytics and marketing, supported by a custom Erste Group CMS framework. Security posture is strong with HTTPS enforced, use of reCAPTCHA, and cookie consent mechanisms, although explicit security headers could be more visible. The domain WHOIS data is privacy protected as per ROTLD policy, which is justified for a financial institution. Overall, the site is professional, trustworthy, and compliant with GDPR and privacy standards.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 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

4 findings rated critical or high. Fix these first.

  1. 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

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

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

Keep watching bcr.ro

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
90
Security headers
65
Email security
60
DNS health
80
Network security
100
GDPR outside view
40
Average
73

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

BCR holds a strong market position as a major Romanian bank under the Erste Group umbrella. Its business model focuses on retail banking with a digital-first approach, evidenced by the George platform. The bank targets individual consumers with a broad product portfolio and maintains an active presence on major social media platforms. The website's content and structure support customer acquisition and service delivery, with integrated marketing and analytics tools. The absence of suspicious domains and the presence of official social media and parent company links reinforce its credibility. The bank's digital maturity is high, with good mobile optimization and accessibility.

Security posture

The website demonstrates a solid security posture with mandatory HTTPS, reCAPTCHA integration, and cookie consent banners indicating GDPR compliance. However, explicit security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not clearly visible in the provided data and should be verified. No vulnerabilities or exposed sensitive data were detected in the HTML content. The lack of a published security policy or incident response contacts is a minor gap. Overall, the site aligns well with best practices for a financial services website, but could improve transparency around security policies and vulnerability disclosure.

Recommendations

  1. Publish a dedicated security policy page detailing security frameworks and incident response procedures.
  2. Implement and explicitly confirm HTTP security headers such as CSP, X-Frame-Options, and X-Content-Type-Options.
  3. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance visibility of data protection officer contact information to improve GDPR compliance transparency.
  5. Regularly audit third-party scripts and marketing tools to minimize privacy risks and improve performance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
BCR | Banca Comerciala Romana
Description
Intra pe BCR si descopera servicii, conturi, operatiuni bancare avantajoase. Avem tot ce iti poate fi de folos: cont online, carduri de credit, credite de nevoi si imobiliare, economii si investitii. Alege BCR.
Key services
Digital banking (George platform), Personal accounts, Credit cards, Personal and mortgage loans, Savings and investments
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Analytics, Google Tag Manager, Visual Website Optimizer (VWO), reCAPTCHA, SVG animations
Frameworks
GEM (Erste Group's CMS/framework)
Platforms
Web, Mobile web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

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

Advertising

Ad networks
Visual Website Optimizer
Marketing tools
VWO
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content
  2. Strong branding and consistent corporate identity
  3. Comprehensive digital banking services offered
  4. Good privacy and cookie consent mechanisms
  5. Use of modern analytics and marketing tools
  6. No visible security or content safety issues
  7. WHOIS data is privacy protected as per ROTLD policy
  8. No suspicious external links or domains detected
Technical notes

Notes

The website is built on a custom Erste Group CMS (GEM) with modern JavaScript modules and asynchronous loading for performance optimization. It uses Google Analytics and Tag Manager for analytics, Visual Website Optimizer for A/B testing, and reCAPTCHA for bot protection. The site is mobile-optimized with responsive design and accessibility features such as skip links and ARIA attributes. Performance appears fast with preloading of fonts and deferred script loading. No CMS vulnerabilities or outdated libraries were detected. Hosting provider details are not explicit but likely managed by Erste Group or a trusted provider. Overall, the technical infrastructure supports a robust and scalable banking website.
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. 54/100Medium25 findingsView report
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