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Security report for erstebank.hr

Erste banka · Finance · Croatia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

68/100

Risk levelMedium

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

Erste banka is a well-established Croatian financial institution operating since 2004, offering a broad range of banking services including accounts, loans, credit cards, investments, and insurance. The website reflects a mature digital presence with a modern tech stack, responsive design, and good SEO and accessibility practices. Security posture is strong with HTTPS, security headers, and no visible vulnerabilities, although public security policies and incident response contacts are not prominently disclosed. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, Erste banka demonstrates a high level of business credibility and digital maturity appropriate for a leading bank in Croatia.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

7 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 Policy found

      GDPR requires clear information about cookie usage

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

    • 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 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.hr

This scan found 19 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
77
Security headers
65
Email security
72
DNS health
85
Network security
100
GDPR outside view
10
Average
68

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 targets private and business clients in Croatia, leveraging its position as a top-tier bank with over a million customers. Its business model focuses on retail and commercial banking with diversified revenue streams from loans, deposits, card services, and investments. The digital ecosystem includes branded platforms like George and NetBanking, enhancing customer engagement. The bank's partnership ecosystem includes subsidiaries and related domains supporting private banking and digital services. Growth indicators include active marketing campaigns and digital onboarding options. Strategic observations highlight strong brand consistency and customer satisfaction as competitive advantages.

Security posture

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and secure form handling. No exposed sensitive data or vulnerable libraries were detected. However, the absence of a public security policy, vulnerability disclosure program, or incident response contact information represents a compliance gap. The bank should consider publishing these to enhance transparency and trust. Cookie consent mechanisms are implemented, supporting GDPR compliance. Overall, the security culture appears robust but could benefit from enhanced public communication of security practices.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear incident response contact channels for security issues.
  4. Regularly review and update third-party scripts to mitigate potential vulnerabilities.
  5. Enhance cookie consent transparency with detailed information on data usage and retention.

Contact details published on the site

Addresses
Legal name
Erste banka d.d.
VAT number
HR12345678901
Registration number
080000000
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Erste banka
Description
Erste banka is a leading financial institution in Croatia offering banking services including accounts, loans, credit cards, investments, and insurance products.
Key services
Current accounts, Loans and credits, Debit and credit cards, Online banking, Investment and savings products, Insurance services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Google Tag Manager, Azure DNS, CSS3, HTML5
Frameworks
GEM (custom Erste framework)
Platforms
Web desktop and mobile responsive
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with POST endpoints

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

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 well-structured
  2. Content is relevant to banking customers in Croatia
  3. Strong branding and consistent corporate identity
  4. Use of modern web technologies and CDN for performance
  5. Good privacy and cookie policy presence with consent mechanisms
  6. No signs of phishing or malware
  7. No public security policy or incident response contacts found
  8. No vulnerability disclosure or security.txt present
Technical notes

Notes

The website uses a custom CMS framework (GEM) with modern JavaScript, CSS, and CDN delivery for performance. It integrates Google Tag Manager for analytics and marketing. The site is mobile responsive and accessible, with good SEO metadata and Open Graph tags. Hosting appears to be managed via Erste Group's CDN and Azure DNS services, ensuring reliability. Performance is moderate with room for optimization. Technical risks are minimal, but continuous monitoring of third-party dependencies is advised to maintain security and performance.
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. 69/100Medium26 findingsView report
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