Skip to main content

Security report for ekspreskasa.pl

Ferratum Bank p.l.c. · Finance · Poland

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

60/100

Risk levelMedium

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

Ferratum Bank p.l.c. operates an online lending platform targeting consumers in Poland, offering microloans and installment loans. The website indicates a temporary suspension of credit issuance due to economic conditions related to the epidemic. The business is positioned as a medium-sized financial services provider with a clear brand presence and a parent company registered in Malta. The site uses Drupal 7 CMS and integrates modern analytics and tracking tools such as Google Analytics, Google Tag Manager, and Sentry for error monitoring. The technical infrastructure is moderately optimized for performance and mobile use, with good SEO and accessibility basics. Security posture is solid with HTTPS enforced and secure login forms, though explicit security headers and vulnerability disclosure mechanisms are absent. Privacy compliance is strong, with GDPR-aligned cookie consent and a comprehensive privacy policy. Overall, the site is professional, trustworthy, and safe for general audiences.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
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

8 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

      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. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

Need hands-on remediation? Email guard@offseq.com

Keep watching ekspreskasa.pl

This scan found 24 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
47
Security headers
40
Email security
70
DNS health
75
Network security
100
GDPR outside view
25
Average
60

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

Ferratum Bank holds a competitive position in the Polish online lending market, leveraging digital channels to provide quick loan services. Its business model focuses on microloans and installment loans with online application processes, targeting consumers seeking convenient credit solutions. The company benefits from a parent entity registered in Malta, which adds regulatory legitimacy. The presence of customer reviews and social media engagement supports brand trust. The temporary suspension of new loans reflects responsiveness to economic challenges. The company’s digital ecosystem includes dedicated help and campaign subdomains, indicating a structured customer support and marketing approach.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS and secure user authentication forms. Use of Sentry for error tracking indicates proactive monitoring. However, the absence of visible security headers such as Content Security Policy, HSTS, and X-Frame-Options suggests room for improvement. No public vulnerability disclosure or incident response contacts are provided, which could enhance transparency and trust. The cookie consent mechanism and GDPR-compliant privacy policy reflect good data protection practices. Overall, the security maturity is good but could be elevated by implementing additional headers and formal security policies.

Recommendations

  1. Implement and enforce security headers including CSP, HSTS, X-Frame-Options, and X-Content-Type-Options to strengthen defense against common web attacks.
  2. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible reporting and improve transparency.
  3. Add explicit incident response contact information, such as security@ or abuse@ email addresses, to enhance trust and readiness.
  4. Regularly update and audit third-party libraries and CMS components to mitigate potential vulnerabilities.
  5. Enhance accessibility features and conduct periodic performance optimizations to improve user experience across devices.

Contact details published on the site

Addresses
Legal name
Multitude Bank p.l.c.
VAT number
MT 2101-8613
Registration number
C- 56251
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ferratum Bank p.l.c.
Description
Ferratum Bank offers online loans without leaving home, without unnecessary formalities, and without income certificates. The website states a suspension of credit actions due to the economic situation related to the epidemic.
Key services
Microloans, Installment loans, Online loan application
Content quality
good
Branding
consistent

Technology

Stack
Drupal 7, jQuery, Google Tag Manager, Google Analytics, Sentry (Raven) for error tracking, Bootstrap
Frameworks
Drupal
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Secure login form with password and PESEL input
  • Cookie consent banner implemented
  • Use of Sentry for error monitoring

Analytics and tracking

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

Advertising

Tracking pixels
Sentry
Marketing tools
Optimizely
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. WHOIS data is not publicly available for this .pl domain, consistent with registry policies.
  3. The site uses Drupal 7 CMS with modern tracking and analytics tools.
  4. Clear cookie consent and privacy policy compliant with GDPR.
  5. Business is currently suspending new loans due to economic conditions.
  6. No direct company contact emails or phone numbers found in the HTML content.
  7. Social media presence includes Facebook, LinkedIn, and Trustpilot.
  8. Security headers are not explicitly visible; recommend adding for improved security posture.
  9. No vulnerability disclosure or security.txt found.
  10. Content is safe and appropriate for general audiences.
Technical notes

Notes

The website is built on Drupal 7, a mature CMS platform, supplemented by jQuery and Bootstrap for UI components. It integrates Google Tag Manager and Google Analytics for tracking, alongside Sentry for error monitoring. The site is mobile responsive with good SEO meta tags and structured data (JSON-LD) for organization and local business schema. Performance is moderate, with multiple CSS and JS files loaded. The site lacks explicit hosting provider information but uses HTTPS with a valid SSL certificate. Technical debt may exist due to Drupal 7 usage, which is an older CMS version, suggesting future modernization opportunities. Overall, the technical infrastructure supports the business needs but could benefit from updates and enhanced security configurations.
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

Reviews of this site

Share your experience with ekspreskasa.pl. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review ekspreskasa.pl.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.