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Security report for handelsbanken.se

Handelsbanken · Banking · Sweden

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

69/100

Risk levelMedium

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

Scanned

This is an earlier scan of handelsbanken.se. View the latest report

NIS2 and GDPR posture

GDPR outside view
55/ 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

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.

    • 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

    • 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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

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

Keep watching handelsbanken.se

This scan found 8 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
0
Security headers
85
Email security
85
DNS health
90
Network security
100
GDPR outside view
55
Average
69

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 operates in the banking and finance sector with a focus on retail and corporate banking services. Its business model revolves around personalized financial advice and a wide portfolio of banking products. The bank's extensive advisor network and regional websites across multiple countries indicate a broad geographic footprint and diversified market approach. The partnership with EFN Ekonomikanalen enhances its brand as a knowledge provider in economic matters. The website content is rich and professionally maintained, supporting customer acquisition and retention. No direct revenue streams or financial data are disclosed on the site, but the comprehensive service offering and digital channels suggest a robust business ecosystem.

Security posture

The website demonstrates a solid security foundation with HTTPS and cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, explicit security policies, incident response contacts, and security framework certifications are not publicly available. The use of third-party analytics (Adobe Analytics) is noted, with moderate user tracking. The absence of a security.txt or vulnerability disclosure page suggests room for improvement in transparency and incident handling readiness. Overall, the security posture is good but could benefit from enhanced policy disclosures and security header confirmations.

Recommendations

  1. Verify and publish explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Create and publicly link to a dedicated security policy and incident response page to improve transparency and customer trust.
  3. Implement a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  4. Regularly audit and update third-party scripts and analytics tools to mitigate potential vulnerabilities.
  5. Enhance contact information with verified company emails and physical addresses to improve business credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Handelsbanken
Description
Vi värderar mötet mellan människor och stöttar din, familjens eller företagets ekonomi med trygga, personliga råd på tider och platser som passar dig.
Key services
Bolån (mortgages), Privatlån (personal loans), Sparande (savings), Pension, Private Banking, Digital banking services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, React (indicated by React icons), Emotion CSS-in-JS, Adobe Analytics
Frameworks
React
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • Use of HTTPS
  • No exposed sensitive data in HTML
  • Secure login button with aria-labels
  • Cookie consent modal with accept/decline options

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 focus on banking services for private and business customers
  3. Comprehensive FAQ and support information available
  4. Use of modern web technologies and responsive design
  5. Clear cookie consent mechanism implemented
  6. No email addresses explicitly found in HTML content
  7. Phone numbers clearly labeled for customer support and card blocking
  8. No visible forms collecting personal data on the landing page
  9. No explicit security or incident response policy pages found
  10. WHOIS data query was performed on subdomain, resulting in no data
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. 82/100Low20 findingsView report
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handelsbanken.se security report: 69/100 | Guard