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Security report for fonmoney.com

Mi Envío Entidad de Pago, S.L. · Finance · Spain

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

51/100

Risk levelMedium

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

Fonmoney is an online financial services platform specializing in international money transfers and mobile top-ups. The company operates under Mi Envío Entidad de Pago, S.L., a subsidiary of Transpaygo Limited, and is regulated by the FCA and registered with the Bank of Spain. The platform targets individuals and families seeking fast, easy, and secure ways to send money or mobile credit internationally, with a presence in multiple countries through localized subdomains. Technically, the website uses the nopCommerce platform, integrates common marketing and analytics tools such as Google Analytics and Sendinblue, and is hosted behind Cloudflare. While the site offers good content quality, mobile optimization, and SEO practices, its performance is slow and accessibility features are basic. Critically, the site lacks a valid SSL certificate, resulting in no HTTPS protection, which is a major security concern. From a security perspective, the absence of HTTPS and security headers significantly lowers the security posture. No explicit security or incident response policies are published, and no direct contact emails or phone numbers are provided, limiting transparency. However, the site includes cookie consent with an opt-in mechanism and privacy policies indicating GDPR compliance. Overall, Fonmoney presents a moderately credible and professional financial service with strong regulatory backing but suffers from critical security implementation gaps. Immediate remediation of SSL issues and enhancement of security policies are recommended to improve trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
33/ 100 · High
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. GDPR outside view

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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  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 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 fonmoney.com

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.

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.

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Full report

€39.90one-time

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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
0
Security headers
35
Email security
50
DNS health
85
Network security
100
GDPR outside view
33
Average
51

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

Fonmoney holds a solid market position as a regulated FCA entity offering competitive exchange rates and low fees for international money transfers and mobile top-ups. Its business model focuses on convenience and accessibility, targeting diaspora communities and international remittance users. The company leverages a partnership ecosystem, including Transpaygo Limited for financial services and uses multiple country-specific domains to localize offerings. Trust indicators such as Trustpilot reviews and regulatory registrations support its credibility. Growth potential exists through expanding service countries and improving digital infrastructure. Revenue streams likely include transfer fees and currency exchange margins. The absence of direct contact details suggests a digital-first customer support approach, possibly relying on contact forms and online help. The company’s technical infrastructure, while functional, shows room for modernization and performance optimization.

Security posture

The current security maturity level is low due to the lack of a valid SSL certificate, which exposes users to risks such as data interception and man-in-the-middle attacks. The absence of security headers and HSTS further weakens the security posture. No vulnerabilities such as Heartbleed or POODLE were detected, and no subdomain takeover risks exist. However, the lack of published security policies or incident response contacts indicates limited transparency and preparedness. Compliance with GDPR is suggested by the presence of privacy and cookie policies with opt-in consent, but no dedicated data protection officer or vulnerability disclosure mechanisms are evident. The security culture appears minimal, with critical improvements needed in encryption and policy communication to protect user data and build trust.

Recommendations

  1. Install and maintain a valid SSL certificate to enable HTTPS across all domains.
  2. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security with preload.
  3. Publish clear security and incident response policies including dedicated contact channels for security issues.
  4. Enhance website performance and accessibility to improve user experience and compliance.
  5. Increase transparency by providing direct company contact emails and phone numbers for support and compliance inquiries.

Contact details published on the site

Addresses
Legal name
Mi Envío Entidad de Pago, S.L.
Registration number
Bank of Spain reference number 6926
Technical notes

Notes

The website is built on the nopCommerce platform and uses jQuery along with marketing and analytics tools such as Sendinblue and Google Analytics. Hosting is via Cloudflare, providing DNS and CDN services. The site has a moderate number of resources (51) and a page size of approximately 48.6 KB, but load time is slow (~5.8 seconds), indicating potential optimization needs. Mobile optimization is good, with responsive design and language localization for multiple countries. No modern frameworks like React or Angular were detected. Accessibility features are basic, and SEO is adequately addressed with meta tags and structured navigation. The lack of HTTPS is a significant technical debt and risk. Overall, the technical infrastructure supports the business but requires modernization and security hardening to reduce operational 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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