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Security report for certo-card.ch

Cembra Money Bank AG · Finance · Switzerland

Medium risk. 5 critical or high findings in Email security, GDPR outside view and 1 other check.

Security score

72/100

Risk levelMedium

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

Certo! One Mastercard is a cashback credit card product offered by Cembra Money Bank AG, a reputable Swiss financial institution. The website promotes the card's benefits including no annual fees, cashback rewards at favorite merchants, and additional insurance coverage. The target audience is consumers in Switzerland looking for a convenient and rewarding credit card solution. The company leverages modern digital marketing and analytics tools such as Google Tag Manager, Google Analytics, and OneTrust for cookie consent management, indicating a mature digital infrastructure. The website is well-designed, mobile-optimized, and accessible, providing a professional user experience. Security measures include HTTPS enforcement and Mastercard Identity Check integration, though explicit security headers and policies are not prominently published. Overall, the site demonstrates a strong security posture with room for improvement in transparency around privacy and security policies.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

5 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  2. 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  3. 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 certo-card.ch

This scan found 20 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
40
DNS health
75
Network security
100
GDPR outside view
65
Average
72

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 Money Bank AG positions itself as a leading financial services provider in Switzerland, offering competitive credit card products with cashback incentives and insurance add-ons. The business model focuses on consumer credit and payment solutions, supported by digital channels and mobile payment compatibility. The company benefits from a strong brand presence and partnerships, as evidenced by linked domains and social media channels. Growth is supported by referral programs and additional card offerings for household members. The website content and marketing tools reflect a focus on customer acquisition and retention through value-added services.

Security posture

The website employs HTTPS and integrates Mastercard's secure authentication standard, enhancing transaction security. Cookie consent is managed via OneTrust, supporting GDPR compliance. However, the absence of explicit security headers, published security policies, and incident response contacts limits transparency and may impact trust for security-conscious users. No vulnerabilities or exposed sensitive data were detected in the provided content. The security score is strong but could be improved by publishing comprehensive security and privacy documentation and implementing additional HTTP security headers.

Recommendations

  1. Publish a clear and accessible privacy policy and terms of service on the website.
  2. Add explicit HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Provide a security policy page including incident response contact information (e.g., security@ or abuse@ email).
  4. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Enhance transparency around data retention and user privacy practices to improve GDPR compliance and user trust.

Contact details published on the site

Addresses
Legal name
Cembra Money Bank AG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cembra Money Bank AG
Description
Gratis Certo! One Mastercard® mit 1 % Cashback bei 3 Lieblingshändlern & 0,25 % überall sonst. Ohne Jahresgebühr, mit CHF 50 Startguthaben – Kreditkarte mit Cashback und Zusatzversicherungen.
Key services
Certo! One Mastercard credit card, Cashback rewards, Additional insurance products, Mobile payment integration
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics (gtag.js), Google Optimize, OneTrust Cookie Consent, Mastercard Identity Check integration
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Mastercard Identity Check for authentication
  • Cookie consent management via OneTrust

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google Ads
Marketing tools
Google Optimize, OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website offers a cashback credit card product with clear benefits and features.
  2. Strong use of cookie consent and privacy tools (OneTrust).
  3. No explicit privacy policy or terms of service links found on the homepage.
  4. Use of multiple Google marketing and analytics tools.
  5. No direct contact emails or phone numbers visible on the homepage.
  6. Good mobile and accessibility features observed.
  7. No security.txt or vulnerability disclosure found.
  8. WHOIS data confirms legitimacy and transparency.
Technical notes

Notes

The website uses a modern technology stack including Google Tag Manager, Google Analytics, Google Optimize, and OneTrust for cookie consent, indicating a well-integrated marketing and compliance infrastructure. The site is mobile-optimized and accessible, with good SEO metadata and Open Graph tags. Performance is moderate, with room for optimization. No CMS or hosting provider details were explicitly detected. The site uses asynchronous loading for scripts to improve load times. Overall, the technical implementation supports a professional and user-friendly experience but could benefit from enhanced security header implementation and more explicit privacy documentation.
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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