Skip to main content

Security report for cardcomplete.at

card complete Service Bank AG · Finance · Austria

Medium risk. 1 critical or high finding in SSL/TLS.

Security score

74/100

Risk levelMedium

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

card complete Service Bank AG is a leading Austrian financial services provider specializing in credit and prepaid card solutions for private and corporate customers. The company offers a comprehensive suite of payment products including card issuance, acceptance devices, and processing systems, positioning itself as a full-service payment solutions provider in Austria. The website reflects a mature digital presence with clear branding, extensive customer support options, and a focus on secure and convenient payment management through their complete Control app and customer portal. Technically, the website employs modern JavaScript libraries and integrates third-party services such as Google Tag Manager and Cookiebot for analytics and consent management. The site is mobile-optimized, accessible, and uses HTTPS to secure communications. However, explicit security headers are not evident in the HTML, and no public security policy or vulnerability disclosure program is found, indicating areas for security maturity improvement. From a security posture perspective, the site demonstrates good practices including secure login portals and cookie consent mechanisms, but lacks published incident response contacts and security certifications. The absence of WHOIS data reduces transparency but does not detract significantly from the overall legitimacy given the professional presentation and business information consistency. Overall, card complete presents a trustworthy and professional online presence suitable for its financial services market, with recommendations to enhance security headers, publish security policies, and improve WHOIS transparency to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. 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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

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

Keep watching cardcomplete.at

This scan found 11 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
0
Security headers
85
Email security
85
DNS health
90
Network security
100
GDPR outside view
83
Average
74

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

card complete holds a strong market position in Austria as a comprehensive payment solutions provider, targeting both private individuals and corporate clients. Their business model revolves around card issuance, payment acceptance, and value-added services such as insurance and customer support. The company leverages partnerships and initiatives like 'phishen impossible' to enhance security awareness. The presence of a dedicated customer portal and mobile app indicates investment in digital customer engagement. The company appears to be large in size with a well-established brand, though exact founding year and parent company details are not disclosed. Their ecosystem includes partner domains and service portals tightly integrated with their core offerings.

Security posture

The website's security posture is solid with enforced HTTPS and cookie consent mechanisms. The use of secure login portals and absence of exposed sensitive data are positive indicators. However, the lack of visible security headers such as Content-Security-Policy and absence of a public security policy or incident response contact reduces the overall security maturity. No vulnerabilities or malware indicators were detected in the content. The site would benefit from publishing a vulnerability disclosure program and enhancing security headers to align with best practices and regulatory compliance such as GDPR and NIS2.

Recommendations

  1. Implement and publish comprehensive security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  2. Establish and publicize a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  3. Publish a clear security policy and incident response contact information to improve transparency and trust.
  4. Regularly audit third-party scripts and dependencies to mitigate supply chain risks.
  5. Enhance WHOIS data transparency or provide official domain registration information to improve legitimacy signals.

Contact details published on the site

Addresses
Legal name
card complete Service Bank AG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
card complete Service Bank AG
Description
card complete – Der voll integrierte Karten-Komplettanbieter in Österreich vereint alle Elemente des bargeldlosen Zahlens – von der Produktentwicklung über Akzeptanzgeräte bis zu Abwicklungssystemen.
Key services
Credit cards, Prepaid cards, Payment terminals, complete Control App, Insurance services, Card blocking services, Customer support
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Cookiebot, ReadSpeaker, Swiper.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Secure login modal with external portal links

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Teads
Marketing tools
Cookiebot
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 and professional design.
  2. Strong focus on Austrian market with localized language and services.
  3. Multiple customer service contact points with phone and fax numbers.
  4. Use of modern JavaScript libraries and cookie consent tools.
  5. No visible security headers in HTML but HTTPS is enforced.
  6. No visible email addresses in HTML content; contact likely via forms or phone.
  7. Social media presence on Facebook, Instagram, LinkedIn.
  8. No security.txt or explicit vulnerability disclosure found.
  9. WHOIS data unavailable, possibly due to privacy or registry issues.
Technical notes

Notes

The website uses a modern JavaScript-based front end with libraries such as Swiper.js for UI components and integrates third-party services including Google Tag Manager for analytics and Cookiebot for consent management. The site is mobile responsive and accessible, with good SEO practices evident from meta tags and structured data. No CMS or hosting provider details are explicitly detected. Performance is moderate with asynchronous loading of scripts. The technical infrastructure supports a professional user experience but could be improved by adding explicit security headers and optimizing third-party script management.
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

Reviews of this site

Share your experience with cardcomplete.at. 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 cardcomplete.at.

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.