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Security report for ferratum.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 loan service targeting Polish consumers, offering microloans and installment loans through a Drupal 7 powered website. The business is currently suspending new loan issuance due to economic conditions related to the epidemic. The website is professionally designed with consistent branding and includes structured data indicating strong customer ratings. Technically, the site uses modern analytics and tracking tools such as Google Analytics, Google Tag Manager, and Sentry, and is mobile optimized with good SEO practices. Security posture is solid with HTTPS enforced and secure login forms, though explicit security headers and policies are not evident. Privacy and cookie policies are present and GDPR compliant, supporting data protection requirements. WHOIS data is unavailable, likely due to privacy protection, which slightly reduces transparency but is common for financial institutions. Overall, the site is trustworthy and professionally maintained, with room for improvement in explicit security disclosures and contact information visibility.

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';…

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Keep watching ferratum.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

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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
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention ferratum.pl, from OffSeq Breach.

Total records
3,295
Employees
0
Customers
3,295
Third parties
0
Weak passwords
79%

5 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for ferratum.pl.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

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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 medium-sized position in the Polish online lending market, operating under the parent company Multitude Bank p.l.c. The business model focuses on quick, online microloans and installment loans without extensive paperwork. The suspension of new loans indicates responsiveness to economic conditions. The company leverages social proof through Trustpilot and social media presence to build trust. The use of subdomains for help and campaigns suggests a structured approach to customer support and marketing. The absence of direct contact emails or phone numbers on the main site may reflect a controlled customer interaction model, possibly via the help center. The company appears to maintain compliance with GDPR and cookie regulations, enhancing credibility in the EU market.

Security posture

The website enforces HTTPS and uses secure login forms requiring PESEL and password, indicating attention to user data protection. Cookie consent mechanisms are implemented in line with GDPR. However, no explicit security headers (e.g., CSP, HSTS) were detected in the HTML content, and no published security or incident response policies were found. The use of Sentry for error tracking shows proactive monitoring. The lack of visible contact channels for security incidents or vulnerability disclosures is a gap. Overall, the security posture is good but could be enhanced by publishing security policies, implementing additional HTTP security headers, and providing clear incident response contacts.

Recommendations

  1. Implement and verify HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a dedicated security policy and incident response page including contact information for reporting vulnerabilities or incidents.
  3. Enhance transparency by providing clear company contact emails and phone numbers on the website.
  4. Regularly update Drupal core and contributed modules to mitigate known vulnerabilities.
  5. Consider adding a vulnerability disclosure program or security.txt file to encourage responsible reporting.

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 or 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 applications
Content quality
good
Branding
consistent

Technology

Stack
Drupal 7, jQuery, Google Tag Manager, Google Analytics, Sentry (Raven.js)
Frameworks
Bootstrap
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 compliant with GDPR

Analytics and tracking

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

Advertising

Tracking pixels
Sentry
Transparency
basic

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 unavailable, indicating privacy protection or registry delay.
  3. Website uses Drupal 7 CMS with modern tracking and analytics tools.
  4. Business is a financial institution offering online loans, currently suspending new loans due to economic conditions.
  5. Privacy and cookie policies are present and GDPR compliant.
  6. No explicit security policy or incident response information found.
  7. No contact emails or phone numbers explicitly listed on the main page; login form requires PESEL and password.
  8. Social media links to Facebook, LinkedIn, and Trustpilot are present.
  9. No adult or questionable content detected.
  10. Security headers not explicitly detected in HTML content; recommend verification.
Technical notes

Notes

The website is built on Drupal 7, a mature CMS platform, with front-end technologies including jQuery and Bootstrap for responsive design. It integrates Google Tag Manager and Google Analytics for tracking and marketing analytics, and Sentry for error monitoring. The site uses multiple CSS files and JavaScript bundles, indicating modular design. Performance is moderate, with mobile optimization rated good. Accessibility features are basic but present. SEO is supported by meta tags, canonical links, and structured data in JSON-LD format. Hosting provider details are not explicitly found. The site could benefit from modernization to Drupal 9/10 for improved security and performance. Overall, the technical infrastructure supports the business needs but requires ongoing maintenance and security hardening.
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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