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Security report for bcv.ch

Banque Cantonale Vaudoise · Finance · Switzerland

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

73/100

Risk levelMedium

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

Banque Cantonale Vaudoise (BCV) is a well-established Swiss bank founded in 1845, serving primarily the canton of Vaud. It offers a broad range of financial services including retail banking, private banking, asset management, mortgage loans, and SME credit. The website reflects a mature digital presence with Adobe Experience Manager CMS and Adobe Analytics integration, supporting a professional and user-friendly online banking experience. Security is emphasized through HTTPS, secure login forms, cookie consent, and user warnings about phishing. However, explicit security policies and incident response contacts are not publicly detailed. Overall, BCV demonstrates a strong market position as the leading bank in its region with high trust and compliance standards.

Scanned

This is an earlier scan of bcv.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

5 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.

    • 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

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn

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

  2. 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 bcv.ch

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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
75
Email security
70
DNS health
80
Network security
100
GDPR outside view
35
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

BCV holds a dominant position in the Vaud canton banking sector, with a large customer base of 370,000 clients. The bank's AA rating by Standard & Poor's and consistent recognition as the most recommended bank in the canton underscore its competitive advantage. Its business model focuses on comprehensive banking services for individuals, young clients, private banking customers, and enterprises. The bank leverages partnerships such as BCV EXTRA and pointsforts.ch to enhance customer engagement and financial insights. The digital infrastructure supports growth and customer convenience, with mobile banking and online credit services. BCV's sustainability and social responsibility initiatives further strengthen its brand and market appeal.

Security posture

The website employs HTTPS with strong SSL configuration and secure form handling for user authentication. Security best practices include cookie consent mechanisms and user education on phishing risks. However, the absence of a publicly accessible security policy, incident response details, and vulnerability disclosure channels limits transparency. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. The use of Adobe's mature analytics and tag management tools suggests controlled data collection. Security headers are not explicitly visible but may be enforced server-side. Overall, BCV maintains a solid security posture appropriate for a financial institution but could improve transparency and incident readiness.

Recommendations

  1. Publish a dedicated security policy page detailing security measures and user guidance.
  2. Implement and expose a security.txt file to facilitate responsible vulnerability disclosure.
  3. Add explicit security headers such as Content-Security-Policy and X-Frame-Options if not already set.
  4. Provide direct contact channels for security incidents (e.g., security@bcv.ch or abuse@bcv.ch).
  5. Regularly audit third-party scripts and analytics tools to minimize privacy risks and ensure compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banque Cantonale Vaudoise
Description
La banque des Vaudoises et des Vaudois depuis 1845 et la première banque du canton auprès de la clientèle des particuliers et des entreprises.
Key services
Online account opening, Mortgage loans, SME credit, Private banking mandates, Asset management, Mobile banking (BCV Mobile), Payment services (BCV TWINT)
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, jQuery, Adobe Launch, Adobe Analytics (AppMeasurement), AEM (Adobe Experience Manager) CMS
Frameworks
Adobe Experience Manager
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login form with POST method
  • Cookie consent mechanism
  • Warnings about phishing and remote access scams

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe Launch
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 maintained.
  2. Strong focus on user security awareness and phishing prevention.
  3. Comprehensive online banking services with mobile and payment solutions.
  4. Good privacy and cookie compliance with clear policies.
  5. No visible security or privacy red flags.
  6. Use of Adobe Experience Manager and Adobe Analytics indicates mature digital infrastructure.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, ensuring scalability and content management efficiency. The tech stack includes modern JavaScript, jQuery, and Adobe Launch for tag management. Performance is moderate with asynchronous script loading and responsive design for mobile devices. SEO is well supported with meta tags, Open Graph data, and multilingual support. Accessibility features appear adequate though not explicitly detailed. The site uses secure HTTPS connections and integrates Adobe Analytics for user behavior tracking. Opportunities exist to enhance security headers and incident response transparency to reduce technical risks.
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. 73/100Medium27 findingsView report
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