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Security report for creditmutuel.fr

Crédit Mutuel · Finance · France

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

81/100

Risk levelLow

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

Crédit Mutuel is a major French mutual bank serving over 9 million client-members with a cooperative banking model. The website presents a professional, well-structured digital presence offering retail banking, loans, insurance, and mobile banking services. The bank holds a strong market position, recognized as the best French banking group in 2023. Technically, the site uses modern JavaScript libraries, analytics tools, and CDN hosting, with good mobile optimization and accessibility. Security posture is strong with HTTPS enforced and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly found. WHOIS data is unavailable, likely due to privacy protection, which is justified for a financial institution. Overall, the site is trustworthy, compliant with GDPR, and professionally maintained.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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

2 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.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. 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 creditmutuel.fr

This scan found 15 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
67
Security headers
90
Email security
70
DNS health
90
Network security
100
GDPR outside view
68
Average
81

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 a federated cooperative model with several regional subsidiaries, targeting individuals, professionals, farmers, and associations. Its business model focuses on member ownership and personalized advisory services. The website supports localized offers and recruitment efforts, indicating active market engagement. Partnerships with telecom providers and use of advanced analytics demonstrate a mature digital ecosystem. The absence of direct contact emails or phone numbers on the homepage suggests controlled communication channels, likely for security and compliance reasons.

Security posture

The website enforces HTTPS and employs cookie consent banners aligned with GDPR. Use of Piano Analytics and TagCommander indicates advanced tracking but with user consent. No direct security policy or incident response contacts are published, which is a gap for transparency. No vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers are implied but not explicitly confirmed. Overall, the security posture is good but could be improved by publishing explicit security policies and vulnerability disclosure mechanisms.

Recommendations

  1. Publish a dedicated security policy page including incident response contacts.
  2. Implement and publicly disclose a vulnerability disclosure or security.txt file.
  3. Explicitly configure and verify security headers such as X-Frame-Options and X-Content-Type-Options.
  4. Consider providing direct verified contact emails or phone numbers for customer support and security incidents.
  5. Maintain and regularly audit third-party scripts and analytics for privacy compliance.

Contact details published on the site

Addresses
Legal name
Caisse Fédérale de Crédit Mutuel et caisses affiliées
Registration number
RCS Strasbourg B 588 505 354
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Crédit Mutuel
Description
Crédit Mutuel is a mutual bank owned by its clients, offering banking, insurance, and financial services primarily in France.
Key services
Retail banking, Loans (mortgage, auto), Savings and investments, Insurance, Mobile banking application, Telephony services
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Lightbox, Piano Analytics, TagCommander, SITW tools
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of secure JavaScript libraries

Analytics and tracking

Services
Piano Analytics, TagCommander
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Piano Analytics, TagCommander
Marketing tools
TagCommander, Piano Analytics
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 challenges.
  2. Content is professional, well-structured, and targeted at banking customers.
  3. Strong cookie consent and privacy policy presence indicating GDPR compliance.
  4. Multiple forms collect postal codes for localized offers and contact but no sensitive personal data fields exposed on homepage.
  5. No direct email or phone contact details found on homepage; contact via forms.
  6. Use of modern analytics and tag management tools.
  7. No explicit security policy or incident response contact found publicly.
  8. WHOIS data unavailable, likely due to privacy protection.
Technical notes

Notes

The website uses a combination of jQuery, lightbox scripts, and advanced analytics tools like Piano Analytics and TagCommander. Hosting is via specialized CDNs under the e-i.com domain, likely internal or contracted providers. The site is mobile responsive with good accessibility features and SEO optimization. Performance is moderate, with room for improvement in loading speed. The HTML is well-structured with meta tags and JSON-LD structured data for organization branding. No CMS is explicitly detected, suggesting a custom or proprietary platform.
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. 77/100Low19 findingsView report
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