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Security report for fiarebancaetica.coop

Banca Popolare Etica S.c.p.a. · Finance · Italy

Low risk. 3 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

80/100

Risk levelLow

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

Fiare Banca Etica is a cooperative and independent bank operating primarily in Spain and Italy, focused on ethical finance principles. It offers a range of financial products including current accounts, loans, credit, deposits, and ethical investment funds, targeting individuals, companies, and organizations interested in socially responsible banking. The bank emphasizes transparency, cooperative governance, and positive social impact. Technically, the website is built on WordPress with modern plugins and libraries, including Yoast SEO for optimization, Matomo for privacy-friendly analytics, and Iubenda for cookie consent management. The site is mobile-optimized, accessible, and well-structured, reflecting a mature digital presence. Security-wise, the site enforces HTTPS and uses cookie consent mechanisms but could improve by enabling DNSSEC and adding explicit security headers. No critical vulnerabilities or exposed sensitive data were detected. Overall, the domain registration details align well with the business identity, supporting legitimacy and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
85/ 100 · Low
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

3 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.

    • 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 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';…
  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 fiarebancaetica.coop

This scan found 17 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
67
Security headers
55
Email security
85
DNS health
85
Network security
100
GDPR outside view
85
Average
80

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 fiarebancaetica.coop, from OffSeq Breach.

Total records
115
Employees
0
Customers
115
Third parties
0
Weak passwords
24%

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 fiarebancaetica.coop.

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

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 occupies a niche market position as an ethical cooperative bank with a clear focus on social impact and transparency. Its business model leverages cooperative ownership with the principle of 'one person, one vote,' appealing to socially conscious customers. The product portfolio is diversified across retail and business banking, including innovative offerings like crowdfunding and ethical funds. The website content and structure indicate a medium-sized organization with over 100,000 customers and nearly 50,000 cooperative members. The partnership with community platforms and use of privacy-respecting analytics suggest a commitment to ethical digital practices. Growth indicators include recent financing lines for social economy and active community engagement.

Security posture

The website demonstrates a good security posture with mandatory HTTPS, cookie consent with granular controls, and privacy-friendly analytics. However, the absence of DNSSEC and some common security headers (CSP, X-Frame-Options) indicates room for improvement. No signs of exposed credentials, malware, or phishing were found. The lack of a published security policy or incident response contact is a gap in transparency and readiness. Overall, the security maturity is moderate to good, suitable for the business type but could be enhanced to meet higher standards and compliance frameworks.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and verify security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  3. Publish a clear security policy and incident response contact information on the website to improve transparency and preparedness.
  4. Consider adding a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  5. Regularly audit third-party scripts and plugins to ensure no vulnerable libraries are in use and maintain updated software versions.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banca Popolare Etica S.c.p.a.
Description
Fiare Banca Etica is a cooperative and independent bank focused on ethical finance, serving individuals, companies, and organizations with transparent and responsible financial products.
Key services
Current accounts, Loans, Credit, Deposits, Cards, Crowdfunding, Ethical funds
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO, jQuery, Slick Carousel, Iubenda Cookie Solution, Matomo Analytics, Algolia Search
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML
  • Use of Matomo for privacy-respecting analytics

Analytics and tracking

Services
Matomo
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Matomo, Metricool
Marketing tools
Iubenda Cookie Solution
Transparency
good

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 challenge.
  2. Strong focus on ethical finance and cooperative banking.
  3. Good implementation of privacy and cookie consent mechanisms.
  4. Use of privacy-respecting analytics (Matomo) instead of Google Analytics.
  5. No exposed sensitive data or obvious security vulnerabilities detected.
  6. WHOIS data is consistent and supports legitimacy of the business.
  7. No direct contact emails or phone numbers found in the HTML; contact is via contact form.
  8. Multiple language support indicated by hreflang tags.
  9. SEO optimized with Yoast plugin and structured data present.
Technical notes

Notes

The website is built on WordPress CMS with a modern tech stack including jQuery, Slick Carousel, Algolia search, and Iubenda cookie management. SEO is enhanced via Yoast plugin and structured data (JSON-LD) is implemented for rich search results. The site uses Matomo analytics for privacy-conscious tracking. Performance is moderate with good mobile optimization and accessibility features such as text size adjustment and high contrast modes. Hosting details are not explicit but DNS uses premium DNS providers. The site is well-maintained with no broken elements detected. Opportunities exist to improve security headers and DNS security to reduce technical risks.
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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