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Security report for cooppank.ee

Coop Pank AS · 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 AS is a well-established Estonian bank providing a comprehensive range of retail and commercial banking services, including loans, leasing, insurance, and savings products. The bank positions itself as a customer-centric institution with a strong local presence and innovative digital offerings. The website reflects this with clear navigation, professional design, and rich content tailored to both private and business clients. Technically, the site leverages modern frameworks such as React and Next.js, ensuring good performance and mobile optimization. Security posture is strong with HTTPS enforced, appropriate security headers, and no visible vulnerabilities. Privacy compliance is well addressed with clear policies and consent mechanisms. Overall, the site demonstrates high professionalism and trustworthiness, supporting Coop Pank's market position as a reliable financial institution in Estonia.

Scanned

This is an earlier scan of cooppank.ee. View the latest report

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

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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, targeting Estonian individuals and businesses. Its business model includes traditional banking services complemented by leasing and insurance subsidiaries, enhancing revenue diversification. The bank's partnership ecosystem includes Coop retail cooperative and auto sales platforms, strengthening its market reach. Growth indicators include active content updates, customer engagement through blogs, podcasts, and social media, and a focus on digital innovation. The bank's transparent legal and privacy documentation, along with clear contact channels, support customer trust and regulatory compliance.

Security posture

The website exhibits a mature security posture with HTTPS enabled and comprehensive security headers such as HSTS, CSP, and X-Frame-Options. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a dedicated security policy or incident response contact page suggests room for improvement in transparency and readiness. No vulnerability disclosure or security.txt files were found, which are recommended best practices for financial institutions. Overall, the security measures in place effectively protect user data and maintain trust, but formalizing security communication would enhance the posture further.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact information, including abuse and security email addresses.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Regularly audit third-party scripts and dependencies to ensure no vulnerabilities are introduced.
  5. Enhance transparency around data retention policies and user privacy controls.

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 AS
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), Leasing, Insurance, Savings and investment products
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Vimeo (video embedding), 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
  • Security headers present
  • No exposed sensitive data in HTML
  • Secure forms with no visible vulnerabilities

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

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 no blocking detected
  2. Strong presence of legal and privacy documentation
  3. Clear contact information including phone, email, and physical address
  4. Use of modern web technologies and frameworks
  5. Good SEO and accessibility practices observed
  6. No visible security vulnerabilities or exposed sensitive data
  7. Social media and partner links are consistent with business operations
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, which support server-side rendering and improved SEO. The use of Google Tag Manager indicates integration with analytics and marketing tools. Video content is embedded via Vimeo, ensuring efficient media delivery. The site is mobile-optimized with responsive design and accessibility features such as ARIA labels and keyboard navigation. Performance is moderate, with potential for optimization in image loading and script management. No CMS was explicitly detected, suggesting a custom or headless approach. Hosting provider details were not identified from the content. Overall, the technical infrastructure supports a robust and user-friendly banking website.
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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