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Security report for finanzgruppe.de

Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken · Finance · Germany

High risk. 8 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

46/100

Risk levelHigh

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

The website finanzgruppe.de represents the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, a large cooperative financial group in Germany offering a broad range of financial services including banking, investment, insurance, and real estate financing through multiple partner institutions. The site targets private and business customers seeking trusted financial partners within Germany. Technically, the website is built with standard web technologies (HTML, CSS, JavaScript) and hosted on Hetzner infrastructure. However, the site suffers from slow load times and basic mobile optimization. Critically, the site lacks a valid SSL certificate and does not support HTTPS, exposing visitors to security risks. Privacy and cookie policies exist but are basic, and no contact emails or phone numbers are explicitly provided on the main page. Security posture is weak with no security headers, no DNSSEC, no DMARC, and no advanced TLS protocols enabled. Overall, the website is functional but requires urgent security improvements to protect users and enhance trust.

Scanned

This is an earlier scan of finanzgruppe.de. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 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

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  3. 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 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';…

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

Keep watching finanzgruppe.de

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.

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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
85
Security headers
15
Email security
60
DNS health
75
Network security
20
GDPR outside view
18
Average
46

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 Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken operates as a cooperative financial group with a strong presence in the German finance sector. Its business model leverages partnerships with specialized financial institutions to offer comprehensive services ranging from home financing to asset management and insurance. The group targets a wide customer base including private individuals and SMEs. The presence of multiple partner logos and dedicated pages indicates a well-established partnership ecosystem. The website content is professionally presented, supporting the group's market position as a trusted financial cooperative. However, the lack of direct contact information and limited online service features may constrain digital engagement and customer acquisition.

Security posture

The current security posture of finanzgruppe.de is poor. The absence of HTTPS and a valid SSL certificate is a critical vulnerability that undermines user trust and exposes data transmissions to interception. The lack of security headers and modern TLS protocols further weakens the site's defenses against common web attacks. No incident response or security policy information is publicly available, and no vulnerability disclosure or security.txt files are present. The site does not implement DNSSEC or DMARC, increasing the risk of domain spoofing and email phishing. These gaps indicate a low maturity level in security practices, which could impact regulatory compliance and customer confidence.

Recommendations

  1. Immediately obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Implement security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web vulnerabilities.
  3. Configure DNSSEC, DMARC, and CAA records to enhance domain security and email protection.
  4. Develop and publish clear security policies and incident response procedures to improve transparency and readiness.
  5. Enhance privacy compliance by improving the privacy policy content and ensuring cookie consent mechanisms meet GDPR standards.
Technical notes

Notes

The website uses standard web technologies without any detected CMS or advanced frameworks. Hosting is provided by Hetzner, a reputable German hosting provider. Performance is suboptimal with a page load time exceeding 15 seconds and a moderate number of resources. Mobile optimization is basic, with responsive meta tags present but no advanced adaptive features. SEO is basic with meta keywords and description tags but no Open Graph or JSON-LD structured data detected. The absence of HTTPS and modern TLS protocols is a significant technical risk. The site uses third-party scripts from TagCommander and TrustCommander for privacy and marketing purposes. Overall, the technical infrastructure is functional but outdated and requires modernization to improve security, performance, and user experience.
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. 48/100High36 findingsView report
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