Skip to main content

Security report for handelsbanken.se

Handelsbanken · Finance · Sweden

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

Security score

82/100

Risk levelLow

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

Handelsbanken is a well-established Swedish bank offering a wide range of financial services including mortgages, personal loans, savings, pensions, and private banking. The website reflects a strong market position with a focus on personalized customer service and digital banking solutions. The content is professionally presented, targeting both private individuals and businesses in Sweden. Technically, the site uses modern JavaScript frameworks and analytics tools, ensuring good performance and mobile optimization. Security practices are solid with HTTPS enforcement and user guidance on fraud prevention, although explicit security headers and a public security policy could enhance trust further. The absence of WHOIS data for the www subdomain is likely a technical artifact rather than a legitimacy concern. Overall, the site is trustworthy, compliant with privacy regulations, and provides comprehensive customer support.

Scanned

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.

    • 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 handelsbanken.se

This scan found 11 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
77
Security headers
85
Email security
85
DNS health
90
Network security
100
GDPR outside view
55
Average
82

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 sector with a large national footprint in Sweden. Its business model centers on personalized banking services supported by a network of advisors and digital platforms. The bank leverages content partnerships such as EFN Ekonomikanalen to engage customers with economic news. Revenue streams likely include interest from loans, fees for banking services, and asset management. The website's detailed service offerings and support infrastructure indicate a mature operation focused on customer retention and digital transformation. The presence of multiple country-specific Handelsbanken domains suggests a broader Nordic and European presence.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and no visible exposure of sensitive data. It provides users with clear instructions on securing BankID and card services, including fraud warnings. However, the lack of explicit security headers and a dedicated security policy page limits transparency. No vulnerability disclosures or incident response contacts are published, which could be improved to align with best practices. The site’s cookie consent mechanism and privacy policy indicate compliance with GDPR. Overall, the security posture is strong but could benefit from enhanced transparency and formalized security documentation.

Recommendations

  1. Implement and publish a dedicated security policy and incident response contact information to improve transparency.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance protection.
  3. Establish a vulnerability disclosure program and publish related information to encourage responsible reporting.
  4. Continue to maintain and update privacy and cookie policies to ensure ongoing GDPR compliance.
  5. Enhance monitoring and alerting for potential phishing or fraud attempts leveraging the bank’s brand.
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, Emotion CSS-in-JS, Adobe Analytics
Frameworks
React
Performance
fast
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
  • Use of BankID for authentication
  • Security advice and fraud warnings provided

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 and professional design consistent with a major bank
  3. Comprehensive customer support and contact information provided
  4. Use of modern web technologies and analytics
  5. Good privacy and cookie policies with consent mechanisms
  6. No suspicious or malicious content detected
  7. WHOIS data missing for www subdomain but likely registered under root domain
Technical notes

Notes

The website uses a modern JavaScript stack, likely React, combined with Emotion for styling and Adobe Analytics for tracking. The site is well-structured with responsive design and accessibility considerations. Performance appears optimized with preloading of key resources and deferred script loading. The absence of a detected CMS suggests a custom or proprietary platform. Hosting details are not explicit but the site uses HTTPS with valid certificates. Technical debt appears low, but opportunities exist to improve security headers and formalize security-related documentation.
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. 69/100Medium17 findingsView report
Reviews of this site

Share your experience with handelsbanken.se. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review handelsbanken.se.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.