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Security report for handelsbanken.no

Handelsbanken · Finance · Norway

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

84/100

Risk levelLow

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

Handelsbanken is a well-established personal and private banking institution operating primarily in Norway, with strong ties to its parent company Svenska Handelsbanken AB (publ). The website emphasizes personalized advisory services without sales targets, positioning itself as a trusted and stable bank with Europe's safest commercial bank ranking and the highest customer satisfaction in Norway. The digital presence is modern, mobile-optimized, and content-rich, targeting private banking customers seeking reliable financial services. Technically, the site uses modern JavaScript frameworks and Adobe Analytics for user insights, with good SEO and accessibility practices. Security posture is strong with HTTPS and cookie consent mechanisms, though explicit security headers and vulnerability disclosure are absent. WHOIS data is unavailable due to Norid's privacy policies, but the domain's legitimacy is supported by consistent branding and external references.

Scanned

NIS2 and GDPR posture

GDPR outside view
80/ 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

2 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 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

  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.

    • 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

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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
77
Security headers
85
Email security
72
DNS health
90
Network security
100
GDPR outside view
80
Average
84

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

Handelsbanken holds a strong market position in the Norwegian banking sector, leveraging its reputation as Europe's safest commercial bank and having the most satisfied customers. Its business model focuses on personalized banking services including loans, savings, pensions, and private banking. The company benefits from a global parent company network with country-specific partner sites enhancing its reach. Revenue streams likely include interest income, asset management fees, and advisory services. The target customer segment is private individuals and high-net-worth clients in Norway. Growth indicators include recent strategic hires and content updates emphasizing customer education and trust. The partnership ecosystem includes multiple country-specific Handelsbanken domains, reinforcing brand consistency and service localization.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, cookie consent mechanisms, and no visible exposure of sensitive data or vulnerable libraries. However, the absence of explicit security headers such as Content-Security-Policy and lack of a public security policy or vulnerability disclosure page indicate areas for improvement. No incident response contacts or security-specific communication channels are provided. Compliance with GDPR is evident through comprehensive privacy and cookie policies. Overall, the security culture appears strong but could benefit from enhanced transparency and formalized vulnerability management disclosures.

Recommendations

  1. Implement and publish comprehensive security headers including Content-Security-Policy, X-Content-Type-Options, and Strict-Transport-Security to enhance protection against common web attacks.
  2. Develop and publish a dedicated security policy and incident response page to improve transparency and user trust.
  3. Establish a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  4. Include contact information for the Data Protection Officer or security team to comply with GDPR and improve communication.
  5. Regularly review and update privacy and data retention policies, making them easily accessible and clear to users.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Handelsbanken
Description
Handelsbanken er en personlig bank som gir deg de rådene og løsningene som er best for deg. Banken fokuserer på personlig rådgivning uten bonus eller salgsmål, og har Norges mest fornøyde bankkunder ifølge Norsk Kundebarometer 2025.
Key services
Loans (Boliglån, Billån, Fritidslån), Savings (Sparekontoer, Fond, Aksjer), Pension services, Private banking, Mobile and online banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Adobe Analytics, BankID integration
Frameworks
Emotion CSS-in-JS
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent modal with options
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe Analytics
Transparency
good

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 no blocking detected.
  2. Strong branding consistent with Svenska Handelsbanken AB (publ).
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. No visible forms collecting sensitive data on the landing page.
  5. Multiple contact phone numbers clearly labeled for support and offices.
  6. No email addresses explicitly listed in the content.
  7. Use of modern JavaScript frameworks and Adobe Analytics for tracking.
  8. No security.txt or explicit vulnerability disclosure found.
  9. WHOIS data is unavailable due to Norid policy; domain appears privacy protected.
Technical notes

Notes

The website is built using modern web technologies including JavaScript frameworks (likely React), Emotion CSS-in-JS for styling, and Adobe Analytics for tracking. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, with preloading of key resources and deferred script loading. No CMS is explicitly detected. Hosting provider details are not disclosed. The site uses canonical URLs and hreflang tags for SEO optimization. Technical risks are minimal, but the lack of explicit security headers and vulnerability disclosure mechanisms represent potential areas of technical debt and modernization opportunity.
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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