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Security report for erstebank.at

Erste Bank · Finance · Austria

Medium risk. 6 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

50/100

Risk levelMedium

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

Erste Bank Austria operates a comprehensive and modern banking website offering a wide range of financial services including accounts, loans, investments, and insurance. The site targets diverse customer segments such as private customers, businesses, freelancers, and youth. The digital infrastructure leverages a modern CMS (GEM) and cloud hosting via AWS CloudFront, with rich multimedia content and responsive design. However, a critical security gap exists due to the absence of a valid SSL certificate and disabled TLS protocols, exposing users to potential risks. Privacy and cookie policies are well implemented and GDPR compliant, reflecting a mature privacy posture. Overall, the site is professionally designed and trustworthy but urgently requires remediation of its SSL/TLS configuration to ensure secure user interactions.

Scanned

This is an earlier scan of erstebank.at. View the latest report

NIS2 and GDPR posture

GDPR outside view
0/ 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

6 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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"

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

Keep watching erstebank.at

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

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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
0
Security headers
65
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
50

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

Erste Bank is a leading financial institution in Austria with a strong digital presence. Its business model focuses on retail and corporate banking, supported by digital platforms like George for online banking and investment services. The website reflects a mature marketing approach with clear segmentation and service offerings. Partnerships with asset management and appointment booking services enhance customer experience. The bank maintains strong brand consistency and trust signals, including links to ombudsman services and security centers. The domain and WHOIS data confirm legitimacy and alignment with the Erste Group parent company.

Security posture

The website demonstrates partial adherence to security best practices with several HTTP security headers in place. However, the lack of a valid SSL certificate and disabled TLS protocols represent critical vulnerabilities that undermine the security posture. Absence of OCSP stapling and session resumption further limit security and performance. No incident response or vulnerability disclosure information is publicly available. Privacy policies are comprehensive and GDPR compliant, but the SSL/TLS issues must be addressed immediately to protect user data and maintain trust.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate to enable HTTPS and secure communications.
  2. Enable TLS 1.2 or higher and configure strong cipher suites to protect data in transit.
  3. Enhance HSTS policy by including subdomains and enabling preload to prevent downgrade attacks.
  4. Implement OCSP stapling to improve certificate revocation checking performance and security.
  5. Publish a vulnerability disclosure policy or security.txt file to improve transparency and incident response.
  6. Consider adding explicit incident response contact channels such as security@ or abuse@ email addresses.
  7. Regularly audit and update third-party scripts and tracking tools to minimize privacy risks.
Technical notes

Notes

The website is built on the GEM CMS platform, leveraging modern JavaScript modules and CSS variables for responsive and accessible design. Hosting is via AWS CloudFront CDN, ensuring global content delivery. The site integrates ElasticSearch for search functionality and uses Adobe Tag Manager for analytics and marketing. Performance metrics indicate slow loading times, possibly due to heavy multimedia content and lack of caching optimizations. Accessibility and SEO are well addressed with proper meta tags, ARIA roles, and structured data. The technical debt mainly lies in the SSL/TLS configuration and performance optimization opportunities.
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. 67/100Medium30 findingsView report
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