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Security report for erstebank.rs

Erste Bank a.d. Novi Sad · Finance · Serbia

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

Security score

75/100

Risk levelMedium

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

Erste Bank a.d. Novi Sad operates as a major financial institution in Serbia, part of the larger Erste Bank Group serving Central and Eastern Europe. The bank offers a comprehensive range of retail and commercial banking services including payment accounts, loans, savings, insurance, and digital banking solutions targeting individuals, local communities, and SMEs. The website reflects a mature digital presence with a professional design, clear navigation, and mobile optimization. Technically, the site uses modern web technologies, including a proprietary CMS, Google Tag Manager for analytics, and a webchat widget for customer interaction. Security posture is solid with HTTPS enforced and no obvious vulnerabilities, though some security headers could be improved and explicit security policies published. Privacy compliance is basic with a cookie consent mechanism but no visible privacy policy or terms of service in the provided content. Overall, the domain registration and website content align well, indicating a legitimate and trustworthy banking institution.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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. 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"

  2. GDPR outside view

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

    • 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

      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

  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 erstebank.rs

This scan found 20 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
77
Security headers
65
Email security
85
DNS health
70
Network security
100
GDPR outside view
50
Average
75

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 Serbia holds a strong market position as part of the Erste Bank Group, leveraging its regional presence and brand recognition. The bank's business model focuses on retail and SME banking with diversified revenue streams from deposits, loans, card services, and digital banking products. The website highlights key services and promotes digital transformation initiatives such as digital advisors and online account opening. The absence of direct contact emails or phone numbers on the main page suggests a controlled communication channel likely routed through contact forms or branch visits. The bank maintains partnerships within the Erste Group ecosystem and uses CDN and cloud services for content delivery. Growth indicators include special offers and targeted products for youth and pensioners, reflecting market segmentation strategies.

Security posture

The website demonstrates a good security baseline with HTTPS enabled and no immediate signs of vulnerabilities or exposed sensitive data. Use of Google Tag Manager and webchat widgets are implemented with crossorigin attributes, indicating attention to security in third-party integrations. However, the lack of explicit security headers such as Content-Security-Policy and absence of published security or incident response policies limit transparency. No vulnerability disclosure or security.txt files were found, which could enhance trust and incident handling. The domain lacks DNSSEC, which is recommended to improve DNS security. Overall, the security posture is adequate for a banking website but could be enhanced with additional security controls and transparency.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS integrity and security.
  2. Publish a comprehensive privacy policy and terms of service accessible from the main navigation.
  3. Implement and publish explicit security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  4. Provide a public security policy or incident response contact information to improve transparency and trust.
  5. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Erste Bank a.d. Novi Sad
Description
Erste Bank a.d. Novi Sad is part of Erste Bank Group, a leading financial institution in Central and Eastern Europe. The bank offers services for individuals, local communities, and small and medium enterprises, focusing on speed and quality of service to support stable and healthy growth.
Key services
Payment accounts, Debit and credit cards, Loans and credits, Savings and insurance, Digital banking services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Webchat widget, CSS with Emotion, Gem CMS (Erste Group proprietary)
Frameworks
Gem CMS framework
Platforms
Web desktop and mobile
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Use of Google Tag Manager for analytics
  • Webchat widget with crossorigin attributes

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

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 focused on banking services for individuals and SMEs.
  3. No explicit privacy policy or terms of service found on the main page content.
  4. Cookie consent mechanism is implemented.
  5. No direct email addresses or phone numbers found in the provided HTML snippet.
  6. Use of modern web technologies and CDN for performance.
  7. No signs of malicious or suspicious content.
  8. No explicit security or incident response policies published.
Technical notes

Notes

The website is built on a proprietary CMS platform (Gem CMS) used by Erste Group, leveraging modern JavaScript modules and CSS-in-JS (Emotion). It uses Google Tag Manager for analytics and tracking, and a custom webchat widget for customer support. The site is hosted with CDN support from Erste Group's infrastructure and registered via Telekom Srbija A.D. Performance is moderate with good mobile optimization and accessibility features. The site uses preloaded fonts and optimized images for better loading. However, some security headers are missing, and DNSSEC is not enabled. The technical stack is modern and suitable for a large financial institution but could benefit from enhanced security configurations and more transparent privacy compliance documentation.
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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