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Security report for cooppank.ee

Coop Pank · Finance · Estonia

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

Security score

68/100

Risk levelMedium

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

Coop Pank is a well-established Estonian bank offering a comprehensive range of retail and business banking services including loans, savings, insurance, and payment solutions. The bank positions itself as a local partner for customers both in urban and rural areas, emphasizing innovative and customer-centric financial products. The website reflects a mature digital presence with modern technologies such as React and Next.js, and integrates multimedia content and social media channels effectively. Security posture is strong with HTTPS, security headers, and no visible vulnerabilities, although explicit cookie consent mechanisms and published security policies could be improved. Overall, the site is professional, trustworthy, and well-aligned with the company's business objectives and regulatory requirements.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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. 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

      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

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  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 cooppank.ee

This scan found 22 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

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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

Email alerts on material changes and an exportable JSON history of every change.

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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
72
Security headers
50
Email security
75
DNS health
70
Network security
100
GDPR outside view
40
Average
68

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

Coop Pank operates primarily in the banking sector within Estonia, targeting both private individuals and business clients. Its business model focuses on providing everyday banking services, loans, and investment products with a strong emphasis on local market needs. The bank benefits from its association with the Coop retail chain and subsidiaries such as Coop Liising AS and Coop Kindlustusmaakler AS, enhancing its service ecosystem. The website content and structure indicate a customer-focused approach with clear calls to action for account opening and product exploration. The presence of multiple social media channels and partnerships with platforms like Autoportaal.ee suggest active engagement and cross-promotion strategies.

Security posture

The website demonstrates a solid security foundation with enforced HTTPS, comprehensive security headers, and no exposed sensitive information. The use of Google Tag Manager is implemented asynchronously, minimizing performance impact. However, the absence of a dedicated security policy page and incident response contact channels limits transparency in security governance. No security.txt file or vulnerability disclosure policy was found, which are recommended best practices for financial institutions. Overall, the security posture is strong but could benefit from enhanced communication of security policies and incident handling procedures.

Recommendations

  1. Implement a clear cookie consent banner to comply fully with GDPR requirements.
  2. Publish a dedicated security policy and incident response information on the website.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure.
  4. Regularly review and audit third-party scripts and tracking tools for security risks.
  5. Enhance accessibility features to meet higher standards and improve user experience.

Contact details published on the site

Addresses
Legal name
Coop Pank AS
Registration number
10237832
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Coop Pank
Description
Kodumaises pangas finantseerime Sinu unistused, hoiame igapäevased rahaasjad korras ning oleme partneriks Sinu rahakogumise teekonnal.
Key services
Everyday banking, Loans (home, auto, small loans), Savings and investments, Insurance services, Payment cards and mobile payments
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Vimeo embed, Google Tag Manager
Frameworks
Next.js, React
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Secure forms with no visible vulnerabilities
  • Use of Google Tag Manager with async loading

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Transparency
basic

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. Content is comprehensive and relevant to banking customers.
  3. Strong presence of contact information and social media links.
  4. Use of modern web technologies and frameworks.
  5. Good security posture with HTTPS and security headers.
  6. Lack of explicit cookie consent mechanism noted.
  7. No visible security vulnerabilities or suspicious content.
  8. WHOIS data supports legitimacy and trustworthiness.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, enabling server-side rendering and improved performance. Multimedia content such as Vimeo videos is embedded securely. The site is mobile-optimized with responsive design and good accessibility practices. SEO is supported by proper meta tags, Open Graph data, and structured JSON-LD markup. Performance is moderate, with room for optimization in image loading and script management. No CMS was explicitly detected, suggesting a custom or headless architecture. Hosting provider details are not disclosed in the content. Overall, the technical infrastructure supports a professional and scalable online presence.
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. 68/100Medium30 findingsView report
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