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Security report for currence.nl

Currence · Finance · Netherlands

Low risk. No critical or high findings.

Security score

85/100

Risk levelLow

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

Currence is a Dutch financial services brand owner specializing in payment products such as iDEAL, iDIN, Incassomachtigen, and Acceptgiro. The company plays a key role in facilitating secure and quality payment market operations in the Netherlands. Their website reflects a professional and consistent brand presence targeting financial institutions and businesses requiring payment solutions. Technically, the site is built on WordPress with common plugins and demonstrates good SEO and mobile optimization. Security posture is solid with HTTPS and cookie consent mechanisms, though formal security policies and incident response details are absent. Overall, the site is trustworthy and well-maintained, supporting Currence's position as a reputable payment brand owner.

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

No critical or high findings. These medium findings are worth fixing next.

  1. 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.

    • Medium

      Missing Permissions-Policy header

      Controls browser features and APIs

      What to do: Implement a Permissions-Policy to restrict feature access

      • OWASP Secure Headers: OWASP Secure Headers Project recommends Permissions-Policy: accelerometer=(), autoplay=(), camera=(), cross-origin-isolated=(),…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Medium

      Privacy policy may not be GDPR compliant

      Privacy policy lacks explicit GDPR compliance elements

      What to do: Update privacy policy to explicitly address GDPR requirements and user rights

  3. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Medium

      No MTA-STS Policy

      MTA-STS enforces TLS for email delivery

      What to do: Implement MTA-STS to prevent downgrade attacks

  4. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • Medium

      DNSSEC Not Enabled

      DNSSEC is not configured for this domain

      What to do: Enable DNSSEC to prevent DNS spoofing attacks

      • CAPEC-142
      • RFC 4033
      • RFC 4035
    • Medium

      Domain Transfer Lock Not Enabled

      Domain can be transferred without authorization

      What to do: Enable domain transfer lock for security

Keep watching currence.nl

This scan found 16 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

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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

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

Currence operates as an essential entity within the Dutch finance sector, owning and managing key payment brands. Their business model focuses on brand ownership and market facilitation rather than direct payment processing. The company targets financial institutions and businesses in the Netherlands, leveraging partnerships and regulatory compliance to maintain market position. The website content and structure indicate a medium-sized organization with a clear focus on transparency and service information. Absence of direct contact emails or phone numbers suggests controlled communication channels, likely to maintain security and professionalism.

Security posture

The website enforces HTTPS and includes a cookie consent banner that respects Do Not Track signals, indicating attention to privacy compliance. However, no explicit security policy, incident response contacts, or vulnerability disclosure mechanisms are published, which could be improved to enhance transparency and readiness. No security headers were detected in the provided data, and no vulnerable libraries or exposed sensitive data were found. The use of standard WordPress plugins necessitates regular security audits to mitigate plugin-related risks. Overall, the security posture is good but could benefit from formalized policies and additional technical controls.

Recommendations

  1. Publish a formal security policy and incident response plan on the website.
  2. Implement and expose a vulnerability disclosure or security.txt file to facilitate responsible reporting.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Regularly audit and update WordPress plugins and themes to reduce vulnerability risks.
  5. Consider adding direct contact information for security or abuse reporting to improve trust and responsiveness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Currence
Description
Currence is merkeigenaar van iDEAL, iDIN, Incassomachtigen en Acceptgiro en faciliteert marktwerking met kwaliteit en veiligheid in betalingsverkeer.
Key services
iDEAL, iDIN, Incassomachtigen, Acceptgiro
Content quality
good
Branding
consistent

Technology

Stack
WordPress, jQuery, Yoast SEO, Contact Form 7, WPML (multilingual plugin), Mmenu (mobile menu), Google Fonts (via fast.fonts.net)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with Do Not Track honor
  • No visible exposed sensitive data

Analytics and tracking

Services
Matomo
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Matomo (implied by _paq.push)
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and maintained
  2. Content is primarily in Dutch with English alternate available
  3. No visible contact emails or phone numbers on homepage; contact form is primary contact method
  4. No explicit security or incident response policies published
  5. Cookie consent banner present and honors Do Not Track signals
  6. No terms of service page found
  7. No security.txt or vulnerability disclosure found
  8. Use of standard WordPress plugins and fonts
  9. No suspicious or malicious content detected
Technical notes

Notes

The website is built on WordPress 6.8.2 with plugins including Contact Form 7 and WPML for multilingual support. It uses jQuery 3.4.1 and loads fonts from fast.fonts.net. The site is mobile optimized with a responsive menu system (Mmenu) and includes SEO enhancements via Yoast SEO plugin. Performance is moderate with some large images used in slides. Accessibility is basic with room for improvement. No advanced frameworks or hosting provider details were identified. The technical stack is standard for a corporate informational site, balancing functionality and maintainability.
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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