Skip to main content

Security report for cembra.ch

Cembra Money Bank AG · Finance · Switzerland

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

Security score

83/100

Risk levelLow

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

Cembra Money Bank AG is a leading Swiss financial institution specializing in consumer finance products including loans, leasing, credit cards, savings, and insurance. The company targets both private and corporate customers within Switzerland, positioning itself as a trusted and comprehensive financial services provider. The website reflects a mature digital presence with professional design, clear navigation, and multiple service portals. Technically, the site uses modern web technologies including Astro framework, Google Tag Manager for analytics, and OneTrust for cookie consent management, ensuring compliance with privacy regulations. Security posture is strong with HTTPS enforcement and standard security headers, though explicit security policies and incident response contacts are not publicly detailed. Overall, the domain registration and WHOIS data align well with the business claims, indicating legitimacy and trustworthiness. Strategic recommendations include publishing dedicated security and incident response policies and enhancing transparency around vulnerability disclosures.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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.

    • 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 cembra.ch

This scan found 17 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
77
Security headers
75
Email security
70
DNS health
85
Network security
100
GDPR outside view
88
Average
83

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

Cembra operates in the Swiss finance sector with a broad portfolio of consumer financial products. Its business model revolves around direct consumer lending, leasing, and credit card issuance, supported by digital platforms for customer engagement and service delivery. The company maintains partnerships with various retail and service brands for co-branded credit cards, enhancing market reach. The website's content and structure suggest a focus on customer education and ease of access to financial products. Growth indicators include active promotion of new payment technologies like Click to Pay and digital savings accounts. The partnership ecosystem includes recognized retail and service brands, reinforcing market credibility.

Security posture

The website demonstrates a solid security foundation with HTTPS, modern security headers, and cookie consent mechanisms aligned with GDPR. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a publicly accessible security policy or incident response contact limits transparency. There is no evidence of a vulnerability disclosure program or security.txt file. The security score is good but could be improved by adding explicit security governance documentation and incident reporting channels.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact information, such as a security@ or abuse@ email address.
  3. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance transparency around data protection officer contact details to strengthen GDPR compliance.
  5. Regularly review and update cookie and privacy policies to maintain compliance with evolving regulations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cembra Money Bank AG
Description
Cembra ist eine der führenden Schweizer Anbieterinnen von Finanzprodukten und Finanzdienstleistungen - für Kredite, Leasing, Kreditkarten oder Sparprodukte.
Key services
Kredite, Leasing, Kreditkarten, Sparprodukte, Versicherungen
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, OneTrust Cookie Consent
Frameworks
Astro (inferred from data-astro-cid attributes)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-out
  • No exposed sensitive data in HTML
  • Secure login portals

Analytics and tracking

Services
Google Analytics (via Google Tag Manager)
Tracking level
moderate
Privacy practices
good

Advertising

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-structured.
  2. Comprehensive cookie consent and privacy mechanisms are implemented.
  3. Multiple secure login portals for different services are provided.
  4. No signs of suspicious or malicious content.
  5. Strong focus on Swiss financial market and customers.
  6. No explicit security policy or incident response contact found publicly.
Technical notes

Notes

The website is built using modern web technologies including the Astro framework, which supports fast and optimized rendering. It employs Google Tag Manager for analytics and OneTrust for cookie consent management, indicating a mature approach to privacy and data governance. The site is mobile-optimized with responsive design and accessible navigation. Performance appears fast with optimized images and asynchronous script loading. No CMS was explicitly detected, suggesting a custom or static site generation approach. Hosting details are not explicitly available but the site uses HTTPS with strong SSL configuration. Opportunities exist to improve technical documentation around security and incident response.
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 cembra.ch. 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 cembra.ch.

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.