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Security report for hvb.de

HypoVereinsbank by UniCredit Bank GmbH · Finance · Germany

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

Security score

52/100

Risk levelMedium

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

HypoVereinsbank by UniCredit Bank GmbH operates a professional and comprehensive banking website targeting private and corporate customers in Germany. The site offers a wide range of financial services including online banking, investment products, loans, and wealth management. It is well-positioned in the market, recognized by industry awards such as 'Bank of The Year 2024' and 'Fairste Filialbank 2024'. The website demonstrates strong branding consistency and trust indicators, with clear contact information and GDPR compliance. Technically, the site uses modern JavaScript libraries and is hosted via Akamai with Adobe Experience Manager as the CMS platform. However, performance is currently slow and SSL/TLS configuration is invalid, which poses security risks. Security headers are mostly present but the Content-Security-Policy is overly permissive. No WAF or blocking mechanisms are detected, allowing full content access. Privacy and cookie policies are implemented with consent mechanisms. Overall, the site is professional and trustworthy but requires urgent SSL fixes to improve security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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

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

      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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

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

Keep watching hvb.de

This scan found 16 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
0
Security headers
75
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
52

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 bank targets retail and corporate customers in Germany, offering a full suite of banking and investment services. Its business model focuses on customer-centric solutions with digital banking capabilities and partnerships such as with Scuderia Ferrari. The website content and structure reflect a mature digital presence with extensive service offerings and customer support. The parent company UniCredit Group provides a strong backing. The bank leverages awards and certifications to enhance market positioning and customer trust. The partnership ecosystem and marketing tools indicate a focus on brand visibility and customer engagement.

Security posture

The current security posture shows good implementation of security headers and cookie flags but is critically undermined by the lack of a valid SSL certificate and disabled TLS protocols. This exposes users to potential man-in-the-middle attacks and undermines trust in secure communications. The CSP allows unsafe-inline and unsafe-eval scripts, increasing risk of cross-site scripting attacks. No explicit incident response or vulnerability disclosure mechanisms are found. The site uses modern tracking and analytics tools with moderate user tracking levels, balanced with GDPR compliance. Immediate remediation of SSL and CSP issues is recommended to elevate security maturity.

Recommendations

  1. Renew and properly configure SSL certificates to enable HTTPS with modern TLS versions.
  2. Harden Content-Security-Policy to disallow unsafe-inline and unsafe-eval scripts.
  3. Enable OCSP stapling and session resumption to improve security and performance.
  4. Consolidate HSTS headers with consistent max-age and consider preload list inclusion.
  5. Implement explicit vulnerability disclosure and incident response contact information.

Contact details published on the site

Addresses
Legal name
HypoVereinsbank by UniCredit Bank GmbH
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, leveraging JavaScript and jQuery libraries, with Dynatrace Ruxit for performance monitoring and Adobe SiteCatalyst for analytics. Hosting is via Akamai CDN, ensuring global content delivery. The site is mobile optimized and accessible with good SEO practices. However, performance metrics are missing or indicate slow loading. The SSL/TLS configuration is currently invalid, disabling all TLS versions and cipher suites, which is a critical technical risk. The site uses modern meta tags and structured data (JSON-LD) for SEO and rich snippets. Cookie consent is implemented via a custom script. Overall, the technical infrastructure is modern but requires urgent security fixes and performance optimization.
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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