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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 banking services including retail banking, SME credit, private banking, asset management, and digital banking solutions such as e-banking, Apple Pay, and TWINT. The bank holds a strong market position as the leading bank in its region with a high credit rating (AA by Standard & Poor's) and a large customer base of approximately 370,000 clients. The website reflects a mature digital infrastructure built on Adobe Experience Manager, with modern JavaScript technologies and integration with Adobe Analytics for data insights. The design is professional, mobile-optimized, and user-friendly, supporting clear navigation and comprehensive content relevant to its audience.

Scanned

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

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

Keep watching bcv.ch

This scan found 19 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
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's business model focuses on serving individuals, young clients, enterprises, and private banking customers with a strong emphasis on digital transformation and customer convenience. The bank's competitive advantages include its regional dominance, strong financial ratings, and comprehensive online services. Revenue streams likely include retail banking fees, mortgage lending, SME loans, asset management fees, and digital banking services. The partnership with BCV EXTRA indicates an ecosystem approach to customer engagement. The bank maintains a consistent brand image and trust signals such as security advisories and transparent policies.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, secure login forms, cookie consent mechanisms, and user warnings against phishing and remote access scams. While explicit security headers are not visible in the HTML, the presence of modern security practices and the bank's reputation suggest robust backend security. However, the absence of a public security policy or incident response contact and vulnerability disclosure policy represents an area for improvement. No vulnerabilities or exposed sensitive data were detected in the content.

Recommendations

  1. Publish a dedicated security policy page outlining security frameworks and practices.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and document security headers explicitly (e.g., X-Frame-Options, X-Content-Type-Options).
  4. Consider publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Maintain and regularly update privacy and cookie policies to ensure ongoing GDPR 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, Asset management, E-banking services including Apple Pay and TWINT
Content quality
excellent
Branding
consistent

Technology

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

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Login form uses POST method
  • Cookie consent mechanism implemented
  • Security warnings about phishing and remote access software
  • External links open in new tabs in webview to prevent navigation hijacking

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics (AppMeasurement)
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 and privacy
  3. Comprehensive content covering banking products and services
  4. Active social media presence
  5. Clear legal and privacy documentation
  6. No signs of suspicious or malicious content
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, leveraging modern JavaScript and Adobe Launch for tag management and analytics. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, with asynchronous loading of scripts and lazy loading of images. The technical stack is modern and well integrated, though some improvements in explicit security header implementation and performance optimization could be considered. The site uses standard web technologies and integrates well with social media and external services.
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. 73/100Medium28 findingsView report
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