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Security report for cardcomplete.com

card complete Service Bank AG · Finance · Austria

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

57/100

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 products for private and business customers. The company offers a comprehensive suite of services including card issuance, secure online payment solutions via the complete Control App, travel insurance, and customer support. Their market position is strong within Austria as an integrated card service provider, supported by a professional website with detailed product information and customer engagement features. Technically, the website employs modern web technologies such as Google Tag Manager and Cookiebot for analytics and compliance, and uses structured data to enhance search visibility and user experience. However, the absence of a valid SSL certificate and lack of HTTPS support represent critical security weaknesses that undermine user trust and data protection. Security headers are well implemented, but the missing TLS configuration significantly lowers the security posture. Privacy compliance is well addressed with clear privacy and cookie policies aligned with GDPR requirements. Overall, the website is professional and trustworthy but requires urgent remediation of its SSL/TLS configuration to meet modern security standards.

Scanned

This is an earlier scan of cardcomplete.com. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 100 · Critical
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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  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

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This scan found 13 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
0
Security headers
85
Email security
50
DNS health
90
Network security
100
GDPR outside view
18
Average
57

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

The company operates in the finance sector, focusing on card-based payment solutions and related services. Its business model revolves around issuing credit and prepaid cards, providing value-added services such as travel insurance and secure payment authentication via a dedicated app. The target audience includes private individuals and corporate clients in Austria. The company maintains partnerships with banks and leverages a benefits platform (completeworld.at) to enhance customer loyalty. The website content and structured data indicate a mature business with consistent branding and a clear market presence. The absence of publicly disclosed certifications or security policies suggests potential areas for transparency improvement. The company’s digital ecosystem includes multiple service portals and integrations, reflecting a complex operational environment.

Security posture

The website demonstrates a moderate security maturity level with strong use of security headers and content security policies. However, the lack of a valid SSL certificate and disabled TLS protocols constitute critical vulnerabilities that expose users to risks such as data interception and man-in-the-middle attacks. The site does not provide explicit incident response or vulnerability disclosure information, which limits transparency and preparedness. Privacy policies and cookie consent mechanisms are well implemented, supporting GDPR compliance. The overall security culture appears cautious but incomplete, with urgent need to address foundational HTTPS and certificate issues to protect user data and maintain trust.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate immediately to enable HTTPS and secure all communications.
  2. Enable modern TLS protocols (TLS 1.2 or TLS 1.3) and strong cipher suites to enhance encryption strength.
  3. Implement and enforce HSTS with includeSubDomains and preload flags to prevent protocol downgrade attacks.
  4. Publish a clear security policy and incident response plan on the website to improve transparency and user confidence.
  5. Consider establishing a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  6. Regularly audit third-party scripts and dependencies to avoid introducing vulnerable libraries.
  7. Enhance accessibility and SEO by continuing to maintain structured data and semantic HTML practices.

Contact details published on the site

Addresses
Legal name
card complete Service Bank AG
Technical notes

Notes

The website uses a modern front-end stack with CSS and JavaScript assets optimized for mobile responsiveness and accessibility. It integrates third-party services such as Google Tag Manager, Cookiebot, and ReadSpeaker for analytics, compliance, and accessibility enhancements. The hosting infrastructure appears stable with DNS managed by Telekom Austria. However, the absence of a valid SSL certificate and disabled TLS protocols represent significant technical debt and security risk. Performance metrics were not available, but the site structure and resource usage suggest moderate optimization. The site lacks a detected CMS, indicating a possible custom or proprietary platform. Overall, the technical foundation is solid but requires urgent security upgrades to meet industry standards.
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. 84/100Low25 findingsView report
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