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Security report for citadele.lt

Citadele bankas · Finance · Lithuania

Partial score · DNS & email only

71/100

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

Citadele bankas is a well-established financial institution serving private clients primarily in Lithuania and the Baltic region. The website offers a comprehensive range of banking services including consumer loans, mortgages, payment cards, savings, investments, and insurance products. The bank positions itself as a modern, customer-centric institution with a strong digital presence and regional market focus. The site content is professionally designed, well-structured, and targets retail banking customers seeking convenient financial solutions. Technically, the website employs modern web technologies such as jQuery, Bootstrap, and Google Tag Manager, ensuring a responsive and user-friendly experience across devices. The presence of structured data and SEO best practices further enhances its digital maturity. Security-wise, the site enforces HTTPS and implements cookie consent mechanisms aligned with GDPR requirements. However, it lacks explicit security headers and published incident response or vulnerability disclosure policies, which are recommended for enhanced trust and compliance. Overall, the website reflects a high level of professionalism and business credibility, though the absence of WHOIS data limits domain registration trust verification. Strategic improvements in security transparency and policy publication would further strengthen its posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
6of 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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • 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

      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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube

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

  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.

    • 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

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Keep watching citadele.lt

This scan found 15 issues across 5 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
74
Email security
87
DNS health
70
Network security
100
GDPR outside view
25
Average
71

Not counted

  • Security headers: did not complete in this scan.
  • 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

Citadele bankas operates in the competitive Baltic banking sector, focusing on retail and private banking services. Its business model revolves around providing a broad portfolio of financial products tailored to individual and family needs, including loans, savings, and insurance. The bank leverages digital channels extensively, offering online banking portals and mobile applications to enhance customer engagement. Partnerships with leasing and rewards platforms indicate a diversified service ecosystem. The company benefits from strong brand consistency and a clear market position as a regional bank with a modern approach. Growth indicators include digital service expansion and targeted product offerings such as green mortgages and lifestyle banking packages. The bank's parent company, Citadele Group, supports its operations, providing scale and stability. The website's comprehensive content and user-centric design reflect a mature digital strategy aligned with customer expectations in the finance sector.

Security posture

The website demonstrates a solid baseline security posture with enforced HTTPS and cookie consent mechanisms that respect user privacy and comply with GDPR. The use of nonce attributes in scripts indicates attention to mitigating cross-site scripting risks. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection reduces the overall security hardening. There is no publicly available security policy, incident response contact, or vulnerability disclosure program, which are important for transparency and rapid mitigation of security incidents. No vulnerabilities or exposed sensitive data were detected in the HTML content. The integration of third-party analytics and marketing tools is managed with user consent, but continuous monitoring of these dependencies is advised. Overall, the security maturity is good but can be improved by adopting and publishing comprehensive security policies and headers.

Recommendations

  1. Implement and publish a comprehensive security policy and incident response plan accessible on the website.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance protection against common web attacks.
  3. Establish a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  4. Regularly audit third-party scripts and tracking tools to minimize risks from external dependencies.
  5. Enhance transparency by providing clear data retention policies and privacy notices linked prominently on the site.

Contact details published on the site

Addresses
Legal name
Citadele bankas
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Citadele bankas
Description
Citadele siekia įkvėpti žmones ir verslą plėtoti ekonomiką ir skatinti gerus pokyčius visame Baltijos regione.
Key services
Consumer loans, Mortgage loans, Payment cards, Savings and investments, Insurance, Digital banking platforms
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Google Tag Manager, Slick Slider
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of nonce attributes in scripts

Analytics and tracking

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

Advertising

Ad networks
Google Ads
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 interactive features.
  2. Strong branding and consistent design across pages.
  3. Comprehensive cookie consent mechanism implemented.
  4. Multiple social media and external links to reputable domains.
  5. No signs of phishing, malware, or suspicious content.
  6. WHOIS data unavailable, which limits domain registration trust verification.
Technical notes

Notes

The website uses a modern and widely supported technology stack including jQuery and Bootstrap for UI components, and Google Tag Manager for analytics and marketing integration. The presence of structured data (JSON-LD) improves search engine understanding and enhances SEO. The site is mobile-optimized with responsive design and accessibility features such as ARIA labels and keyboard navigation support. Performance appears moderate with preloading of fonts and asynchronous loading of scripts. The cookie consent mechanism is robust, allowing users to accept, reject, or customize cookie settings. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. Overall, the technical implementation supports a professional and user-friendly banking website with opportunities to improve security headers and incident response transparency.
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. 74/100Medium20 findings · partial scanView report
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