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Security report for credit-agricole.fr

Crédit Agricole · Finance · France

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

Security score

82/100

Risk levelLow

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

Crédit Agricole is a major French banking and insurance group offering a wide range of retail financial services including bank accounts, insurance, savings, investments, and credit products. The website targets individual customers ('particulier') and provides comprehensive information and digital services including secure login, contact options, and assistance chatbots. The technical infrastructure is modern, leveraging Adobe Experience Manager CMS, jQuery, Bootstrap, and third-party chat and privacy management tools. Security posture is strong with HTTPS, session management, CAPTCHA on forms, and cookie consent mechanisms, though explicit security policies and incident response contacts are not published. WHOIS data is unavailable from AFNIC, but the website's branding, content quality, and official social media presence strongly indicate legitimacy. Overall, the site is professional, secure, and compliant with privacy regulations, suitable for its enterprise-scale banking business.

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 credit-agricole.fr

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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
67
Security headers
80
Email security
70
DNS health
85
Network security
100
GDPR outside view
88
Average
82

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

The website reflects Crédit Agricole's position as a leading French financial institution with a broad retail banking and insurance offering. The business model focuses on providing comprehensive financial products to individuals and professionals, supported by a strong digital presence. The site integrates multiple contact channels and regional partner domains, indicating a decentralized but coordinated network. Marketing and tracking tools are used responsibly with user consent. The absence of WHOIS data is likely due to privacy or registry policies rather than suspicious activity. The company maintains a high level of trust and professionalism online.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, session timeout controls, CAPTCHA on forms, and cookie consent banners aligned with GDPR. Use of reputable third-party services for chat and privacy management enhances security. However, the lack of a published security policy, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap. No vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers are implied but not explicitly visible in the HTML source. Overall, the site is secure but could improve transparency and incident readiness.

Recommendations

  1. Publish a dedicated security policy page including incident response and abuse contacts.
  2. Implement and publish a security.txt file to facilitate vulnerability disclosures.
  3. Explicitly configure and document security headers such as Content-Security-Policy and X-Frame-Options.
  4. Regularly audit third-party scripts and dependencies for vulnerabilities.
  5. Provide clear contact information for the Data Protection Officer to enhance GDPR compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Crédit Agricole
Description
Découvrez les offres et services du Crédit Agricole : compte bancaire, assurance-vie, épargne, placement, retraite, habitation, prévoyance, crédit conso ou auto, crédit immobilier…
Key services
bank accounts, life insurance, savings, investment, retirement, housing insurance, consumer credit, auto credit, mortgage credit
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Inbenta chatbot, Genesys chat, Google Maps API, Facebook API, TagCommander (Tag Management), TrustCommander (Privacy Management)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/opt-out
  • CAPTCHA on contact forms
  • Session timeout and keep-alive mechanisms
  • Use of secure third-party chat and bot services

Analytics and tracking

Services
TagCommander
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel (implied by Facebook API key), TagCommander
Marketing tools
TagCommander, TrustCommander
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 privacy and cookie consent mechanisms implemented.
  3. Multiple contact channels including phone numbers and contact forms available.
  4. Use of modern web technologies and third-party integrations for chat and assistance.
  5. No signs of malicious or suspicious content detected.
  6. WHOIS data unavailable, possibly due to AFNIC privacy or query timing.
Technical notes

Notes

The website uses a robust and modern technology stack centered around Adobe Experience Manager CMS, with jQuery and Bootstrap for frontend UI components. Integration with Google Maps API, Facebook API, and Inbenta chatbot services enriches user experience. TagCommander and TrustCommander manage analytics and privacy compliance effectively. The site is mobile-optimized and accessible, with good SEO practices evident in meta tags and structured data. Performance is moderate, likely due to rich content and third-party integrations. Technical debt appears low, but continuous monitoring of third-party scripts is recommended to mitigate risks.
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. 75/100Medium4 findings · partial scanView report
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