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Security report for cs.cz

Česká spořitelna, a.s. · Finance · Czech Republic

Medium risk. 5 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

74/100

Risk levelMedium

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

Česká spořitelna, a.s. is a leading financial institution in the Czech Republic offering a wide range of personal and corporate banking services including accounts, loans, mortgages, investments, and insurance. The website serves as the official portal for personal finance customers, providing comprehensive information and access to online banking platforms such as George. The company maintains a strong market position with consistent branding and a professional digital presence. Technically, the site employs modern web technologies, including Google Tag Manager, Evergage, and ElasticSearch, and is optimized for both desktop and mobile users with good accessibility and SEO practices. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, although explicit security headers and incident response contacts could be improved. The absence of WHOIS data is likely due to privacy protection, which is justified for a major financial institution. Overall, the website is trustworthy, secure, and user-friendly, supporting the bank's reputation and customer engagement.

Scanned

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, Twitter, 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  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 cs.cz

This scan found 18 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.

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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
60
Email security
87
DNS health
85
Network security
100
GDPR outside view
40
Average
74

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention cs.cz, from OffSeq Breach.

Total records
187
Employees
0
Customers
187
Third parties
0
Weak passwords
12%

5 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for cs.cz.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

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 targets retail and corporate customers in the Czech Republic, offering a comprehensive portfolio of financial products. Its business model focuses on retail banking, loans, mortgages, savings, investments, and insurance. The website reflects a mature digital strategy with integrated marketing and analytics tools, supporting customer acquisition and retention. Partnerships with investment centers and corporate banking platforms enhance service offerings. The site’s content and navigation are designed to facilitate customer self-service and promote digital banking adoption. Growth indicators include active promotion of online account opening and financial health education. The bank’s ecosystem includes subsidiaries and partners that provide complementary financial services.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, cookie consent, and use of secure third-party scripts. No exposed sensitive data or vulnerabilities were detected in the HTML content. However, explicit security headers such as Content-Security-Policy and X-Frame-Options were not clearly identified and should be verified. The lack of a published security policy or incident response contact is a gap in transparency. The site does not expose WHOIS data, which is common for financial institutions to protect registrant privacy. Overall, the security measures align with industry best practices but could be enhanced with additional headers and public security documentation.

Recommendations

  1. Verify and implement explicit security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a clear security policy and incident response contact information on the website.
  3. Consider adding a security.txt file to facilitate vulnerability disclosure.
  4. Regularly audit third-party scripts and tracking tools for security and privacy compliance.
  5. Enhance transparency regarding data protection officer contact details and GDPR compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Česká spořitelna, a.s.
Description
Česká spořitelna je první bankou, která dbá o vaše finanční zdraví. Přidejte se k našim spokojeným klientům, kteří v nás našli partnera pro finance.
Key services
Personal accounts, Loans and mortgages, Savings and investments, Insurance products, Online banking (George platform)
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Evergage, ElasticSearch, Schema.org JSON-LD, Web APIs
Frameworks
GEM (Erste Group proprietary framework)
Platforms
Web desktop, Mobile responsive
Performance
fast
Mobile
excellent
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 external scripts

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Evergage
Marketing tools
Evergage
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 no blocking or WAF challenge.
  2. Content is professionally presented and comprehensive for banking customers.
  3. Strong privacy and cookie consent mechanisms are implemented.
  4. No suspicious or malicious content detected.
  5. WHOIS data is unavailable, likely due to privacy protection or registry policy.
  6. Site uses modern web technologies and analytics tools.
  7. Contact information is clearly provided with phone numbers and support links.
  8. No explicit security.txt or incident response contacts found.
  9. No exposed sensitive data or obvious vulnerabilities detected.
Technical notes

Notes

The website is built on a proprietary framework (GEM) used by Erste Group, leveraging modern JavaScript modules and APIs. It integrates Google Tag Manager and Evergage for analytics and marketing automation. The site is optimized for performance with preloaded fonts and responsive design for mobile and desktop. SEO is supported by comprehensive meta tags, Open Graph, and JSON-LD structured data. Accessibility features are implemented with ARIA roles and keyboard navigation aids. The CMS appears custom and tailored for banking content management. Hosting provider details are not explicit but likely managed by Erste Group or a trusted partner. Overall, the technical infrastructure supports a robust, scalable, 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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