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Security report for crediteurope.de

Nexent Bank · Finance · Germany

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

Security score

80/100

Risk levelLow

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

Nexent Bank is a digital banking institution focused on providing secure and transparent savings products such as Tagesgeld and Festgeld accounts. The bank targets private customers in Germany and emphasizes a modern, user-friendly online banking experience. The website reflects a rebranding from Credit Europe Bank, maintaining trust and continuity for existing customers. Technically, the site uses modern JavaScript libraries, Google Tag Manager, and Cookiebot for consent management, hosted via Akamai CDN for performance and security. Security posture is good with HTTPS enforced and anti-CSRF cookies, though some security headers could be improved. Privacy compliance is strong with a comprehensive privacy policy and cookie consent mechanism. Overall, the site is professional, trustworthy, and well-optimized for mobile users.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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 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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  • 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
65
Security headers
70
Email security
85
DNS health
75
Network security
100
GDPR outside view
83
Average
80

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 bank operates in the finance sector, focusing on retail banking products with an emphasis on savings and fixed deposits. Its business model is direct online banking, targeting retail customers seeking competitive interest rates and EU deposit guarantees. The rebranding from Credit Europe Bank to Nexent Bank indicates strategic repositioning. The website's partner domains include related banking entities in Germany and the Netherlands, suggesting a regional presence. The bank leverages digital marketing and analytics tools responsibly, maintaining GDPR compliance. Growth indicators include clear product offerings and a calculator tool to engage customers. The partnership ecosystem includes Cookiebot for consent and Google services for analytics and tag management.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and use of anti-CSRF cookies. Cookie consent is implemented with granular user control, supporting GDPR compliance. However, explicit security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not evident in the HTML, representing an area for improvement. No vulnerabilities or exposed sensitive data were detected in the analysis. Incident response and vulnerability disclosure mechanisms are not publicly visible, which could be enhanced to improve transparency and readiness. Overall, the security practices align well with industry standards for online banking platforms but could benefit from additional header hardening and published security policies.

Recommendations

  1. Implement and verify security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a dedicated security policy page and provide clear incident response contact channels to improve transparency and customer trust.
  3. Add a vulnerability disclosure or security.txt file to encourage responsible reporting of security issues.
  4. Continue regular audits of third-party libraries and scripts to ensure no vulnerable components are used.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Nexent Bank
Description
Nexent Bank – Digital. Sicher. Zinsen mit Substanz. Modernes Sparen mit starken Zinsen: Tagesgeld und Festgeld direkt online abschließen – sicher & transparent. Nexent Bank (vormals als Credit Europe Bank)
Key services
Tagesgeld (daily accessible savings account), Festgeld (fixed term deposits), Online banking
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Cookiebot, QR Code Styling library
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in mechanism
  • Anti-CSRF cookies (.AspNetCore.Antiforgery.# cookie present)

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Cookie consent is implemented with detailed categories and opt-in mechanism.
  3. Clear contact phone number provided in footer.
  4. No explicit email addresses found in provided HTML snippet.
  5. Use of Google Analytics and Google Tag Manager with consent.
  6. No visible security.txt or vulnerability disclosure page.
  7. Business is a rebranded bank with clear product offerings.
  8. Website is mobile optimized and uses modern JavaScript libraries.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a modern JavaScript-based front end with asynchronous loading of Google Tag Manager and Cookiebot scripts, indicating good performance practices. Hosting via Akamai CDN provides scalability and security benefits. The site is mobile optimized with responsive design and accessible navigation. SEO is supported by proper meta tags and structured cookie consent. No CMS is explicitly detected, suggesting a custom or proprietary platform. Performance is moderate with lazy loading of images and deferred script loading. Technical debt appears low, but opportunities exist to improve security headers and accessibility compliance. Overall, the technical infrastructure supports a professional and secure 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

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