Skip to main content

Security report for ferratumbank.com

Multitude Bank p.l.c. · Finance · Malta

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

Security score

61/100

Risk levelMedium

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

Multitude Bank p.l.c. is a licensed credit institution based in Malta, offering European banking solutions tailored for individuals, fintech companies, and institutions. Their key services include savings accounts with competitive interest rates, corporate financing solutions such as secured loans and bonds, and flexible payment services including API integration for fintechs. The bank positions itself as a trusted partner for financial growth and seamless cross-border transactions within Europe. The website reflects a professional and modern digital presence built on Next.js and React, with good mobile optimization and user experience. Privacy and cookie policies are well implemented, supporting GDPR compliance. However, the absence of WHOIS domain registration data introduces some uncertainty regarding domain transparency. Security posture is strong with HTTPS and cookie consent mechanisms, but lacks published incident response or vulnerability disclosure information. Overall, the bank demonstrates a solid market position with room for improvement in transparency and security communication.

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

7 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"

    • 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';…

  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

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching ferratumbank.com

This scan found 26 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
52
Security headers
25
Email security
70
DNS health
70
Network security
100
GDPR outside view
50
Average
61

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

Multitude Bank operates in the finance sector with a medium-sized business profile. It targets individuals and institutional clients, especially fintechs and real estate developers, offering tailored financial products. The business model focuses on providing competitive savings products, flexible corporate financing, and advanced payment solutions. The bank leverages partnerships with Ferratum for technology and API services. Market positioning is strengthened by licensing from the Malta Financial Services Authority, enhancing trust. The website content and structure indicate a mature digital strategy with clear product segmentation and customer engagement channels. Growth indicators include new product launches and emphasis on fintech integration. Strategic observations suggest the bank could benefit from enhanced domain registration transparency and expanded security policy disclosures to reinforce credibility.

Security posture

The website enforces HTTPS and uses modern security practices such as cookie consent and secure client portals. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the lack of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms limits the security maturity level. The absence of a security.txt file or published frameworks like ISO 27001 or NIST indicates potential gaps in formal security governance. The use of third-party scripts like Google Tag Manager and Ferratum widgets requires ongoing monitoring to mitigate supply chain risks. Overall, the security posture is good but could be improved by publishing comprehensive security policies and incident response information to enhance trust and compliance.

Recommendations

  1. Publish domain WHOIS registration details or ensure transparency to improve trustworthiness.
  2. Add a dedicated security policy page outlining frameworks, controls, and certifications.
  3. Implement and publicize an incident response plan with clear contact channels for security issues.
  4. Introduce a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  5. Enhance security headers explicitly and regularly audit third-party scripts for vulnerabilities.

Contact details published on the site

Addresses
Legal name
Multitude Bank p.l.c.
Registration number
C56251
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Multitude Bank p.l.c.
Description
Multitude Bank provides European banking solutions including savings, financing, and payment services tailored for individuals, fintechs, and institutions. They offer competitive interest rates, deposit guarantee protection, flexible funding solutions, and seamless local and cross-border payment services.
Key services
Savings accounts, Fixed-term deposits, Corporate financing, Payment services, API integration for fintechs
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Google Tag Manager, Ferratum cookie consent widget
Frameworks
Next.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and professional design
  2. No WHOIS data available, which is unusual for a bank domain
  3. Strong focus on European banking services with clear product offerings
  4. Good privacy and cookie policy implementation
  5. No direct contact emails or phone numbers found on homepage; contact likely via forms
  6. Use of modern web technologies and frameworks
  7. No visible security vulnerabilities or exposed sensitive data
  8. No explicit security or incident response policies published
  9. No vulnerability disclosure or security.txt found
Technical notes

Notes

The website is built on a modern React and Next.js framework, ensuring fast performance and excellent mobile responsiveness. It uses Ferratum CMS for content management and integrates Google Tag Manager for analytics. The site employs optimized images and preloads fonts for performance. Accessibility and SEO are well addressed with proper meta tags and structured navigation. No hosting provider details were explicitly found, but the use of CDN domains suggests a distributed content delivery approach. Technical risks are minimal, but reliance on third-party widgets requires continuous security assessment. The site demonstrates low technical debt and good modernization, supporting scalable business operations.
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 ferratumbank.com. 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 ferratumbank.com.

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.