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Security report for bnf.bank

BNF Bank · Finance · Malta

Medium risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

64/100

Risk levelMedium

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

BNF Bank is a Maltese financial institution providing comprehensive banking services to personal and business customers. The website positions the bank as a modern and customer-focused entity, emphasizing digital banking solutions such as internet and mobile banking. The bank maintains a professional online presence with clear branding and customer communication channels. Technically, the website leverages modern web technologies including Webflow CMS, jQuery, Font Awesome, Google Tag Manager, and Cookiebot for compliance and analytics. Security measures include HTTPS enforcement, reCAPTCHA integration, and cookie consent management, although explicit security policies and incident response contacts are not publicly detailed. Overall, the website demonstrates a solid security posture and compliance with privacy regulations, supported by transparent cookie management and GDPR adherence. Strategic recommendations include publishing detailed security and incident response policies and enhancing accessibility features to further improve user experience and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 100 · Medium
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

2 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  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.

    • 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

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

Keep watching bnf.bank

This scan found 16 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

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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
60
Email security
85
DNS health
80
Network security
100
GDPR outside view
58
Average
64

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention bnf.bank, from OffSeq Breach.

Total records
342
Employees
0
Customers
341
Third parties
1
Weak passwords
16%

7 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for bnf.bank.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

BNF Bank operates primarily in the banking sector within Malta, targeting both individual and business clients. The bank offers key services such as personal and business banking, internet banking, and mobile app-based payments. The business model focuses on retail and commercial banking with a digital-first approach. The website content and alerts indicate active customer engagement and operational transparency, including notifications about system upgrades and security advisories. The bank maintains partnerships with technology providers for chatbot services and uses major analytics and advertising platforms to optimize marketing efforts. The presence of social media channels supports customer outreach and brand visibility. No parent or subsidiary companies are explicitly mentioned, suggesting BNF Bank operates as an independent entity.

Security posture

The website enforces HTTPS and employs security best practices such as Google reCAPTCHA to prevent automated abuse and Cookiebot for cookie consent compliance. Security headers are likely implemented though not explicitly visible in the HTML content. No exposed sensitive data or vulnerable libraries were detected. The absence of a public security policy or incident response contact is a gap in transparency. The bank uses trusted third-party services for analytics and marketing, with clear cookie categorization and user consent mechanisms. Overall, the security posture is strong but could be enhanced by publishing explicit security and incident response documentation and implementing a security.txt file for vulnerability disclosures.

Recommendations

  1. Publish a dedicated security policy page detailing security controls and practices.
  2. Provide clear incident response contact information for security issues.
  3. Implement a security.txt file to facilitate vulnerability disclosures.
  4. Enhance website accessibility to meet higher standards.
  5. Regularly review and audit third-party scripts and integrations for security.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
BNF Bank
Description
BNF Bank, Building a New Future. Helping you plan for life’s greatest milestones. Let’s start the conversation, and create your story.
Key services
Personal Banking, Business Banking, Internet Banking, Mobile Banking
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.5.1, Font Awesome 6 Pro, Google Tag Manager, Google reCAPTCHA, Cookiebot, Finsweet CMS Slider, Ebo AI Webchat
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

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

Analytics and tracking

Services
Google Analytics, Google AdSense
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Meta Platforms, Inc., Google AdSense
Tracking pixels
Cookiebot, Facebook Pixel
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website uses Cookiebot for cookie consent and compliance
  2. Multiple alerts and notices inform customers about banking updates and security warnings
  3. Active chatbot integration for customer support
  4. Social media presence on Facebook, Instagram, LinkedIn
  5. Use of modern web technologies and CDN for performance
  6. No visible security policy or incident response contact pages
  7. No explicit data protection officer contact found
Technical notes

Notes

The website is built on the Webflow CMS platform, utilizing jQuery 3.5.1, Font Awesome 6 Pro icons, Google Tag Manager, Google reCAPTCHA, and Cookiebot for cookie management. It uses Amazon Cloudfront CDN for hosting static assets, ensuring good performance and availability. The site includes a chatbot powered by Ebo AI for customer interaction. The design is responsive and optimized for mobile devices. SEO is supported by proper meta tags and Open Graph data. Accessibility is basic but present. Performance is moderate, with room for optimization. The technical stack is modern and well-integrated, supporting the bank's digital service offerings effectively.
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

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