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Security report for creditas.cz

Banka CREDITAS a.s. · Finance · Czech Republic

Partial score · DNS & email only

74/100

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

Banka CREDITAS a.s. is a Czech bank established in 1996, originally as a credit union and licensed as a bank since 2016. It offers a range of financial services including savings accounts, loans, investment products, and corporate financing primarily targeting Czech companies and expanding into Western Europe. The bank is part of the CREDITAS Group, a Czech investment group with interests in financial services, energy, and real estate. The website is professionally designed, mobile-optimized, and provides comprehensive business and contact information. Technically, it uses modern web technologies and a proprietary CMS (Solidpixels). Security posture is good with HTTPS enforced and secure forms, though explicit security headers and published security policies are lacking. Privacy compliance is partial with a cookie consent mechanism but no clear privacy policy page found. WHOIS data is unavailable, which slightly reduces trust but the overall business credibility remains high.

Scanned

3 of 7 checks could not complete. The site may be unreachable or blocking automated scans, so the results below cover only what could be checked. Try a rescan later.

NIS2 and GDPR posture

NIS2 outside view
Not assessed
GDPR outside view
Not assessed

Both readouts depend on the site's pages, which could not be loaded in this scan.

Priority findings

2 findings 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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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Keep watching creditas.cz

This scan found 16 issues across 4 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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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
42
Email security
75
DNS health
80
Network security
100
Average
74

Not counted

  • Security headers: did not complete in this scan.
  • GDPR outside view: 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

Banka CREDITAS holds a growing position in the Czech banking sector with a focus on medium-sized enterprises and retail clients. Its competitive advantage lies in personalized banking services, Czech ownership, and recent strategic acquisitions including Max Bank and MeDirect bank group. The business model emphasizes deposit appreciation, lending, and investment services. The bank maintains a network of 35 branches, catering especially to clients preferring personal banking. The CREDITAS Group umbrella provides diversified investment and operational support. The website reflects a mature digital presence with clear branding and active social media engagement.

Security posture

The website demonstrates a solid security foundation with HTTPS and secure form validation. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options is a gap. No visible incident response or vulnerability disclosure information is published, which is a common expectation for financial institutions. The lack of WHOIS transparency is a concern but may be due to registry policies. Overall, the security posture is good but could be enhanced by publishing security policies, incident contacts, and improving HTTP headers.

Recommendations

  1. Publish a comprehensive privacy policy page clearly accessible from the website footer or main navigation.
  2. Implement and publish explicit security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy.
  3. Provide a security policy and incident response contact information on the website to improve transparency and trust.
  4. Consider publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  5. Investigate and resolve the lack of WHOIS data availability to improve domain registration transparency and trustworthiness.

Contact details published on the site

Addresses
Legal name
Banka CREDITAS a.s.
VAT number
CZ699006775
Registration number
634 92 555
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banka CREDITAS a.s.
Description
Banka CREDITAS offers its clients convenient payment services, interesting savings valuation and attractive investment opportunities. In corporate banking, it specializes in financing Czech companies and foreign exchange conversions.
Key services
Savings accounts, Term deposits, Loans, Investment instruments, Corporate financing, Foreign exchange conversions
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Bing Ads, Cookielaw.org scripts, Solidpixels CMS
Frameworks
Solidpixels
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure forms with validation
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics (via Google Tag Manager implied)
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Bing Ads
Tracking pixels
Bing Ads
Marketing tools
Bing Ads
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and content-rich.
  2. No WHOIS data available, which is unusual for a bank domain.
  3. Clear contact information and corporate details provided.
  4. Cookie consent mechanism is implemented.
  5. No explicit privacy policy or terms of service pages found on the main page.
  6. Security headers could be improved.
  7. No visible security incident response or vulnerability disclosure information.
Technical notes

Notes

The website is built on the Solidpixels CMS platform and uses modern JavaScript libraries and asynchronous loading for performance optimization. It integrates Google Tag Manager and Bing Ads for analytics and marketing. The site is mobile responsive and accessible with good SEO practices including meta tags and Open Graph data. Performance is moderate with room for optimization. No major technical debt or deprecated technologies detected. Hosting provider details are not explicitly found. 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

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