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Security report for hypotirol.com

Hypo Tirol Bank AG · Finance · Austria

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

Security score

53/100

Risk levelMedium

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

Hypo Tirol Bank AG operates as a digital regional bank in Austria, primarily serving private and corporate clients in Tirol and Vienna. The website presents a comprehensive portfolio of banking products including accounts, cards, savings, investments, loans, and insurance services. The bank emphasizes personal service combined with digital convenience, targeting a broad customer base from individuals to public institutions. The site is professionally designed with clear navigation and localized German content, reflecting a mature digital presence. Technically, the site is built on WordPress with modern plugins and integrates marketing and tracking tools such as Google Tag Manager and Adrom.net. However, the website currently lacks a valid SSL/TLS certificate, resulting in no HTTPS support, which is a critical security vulnerability. Other security best practices such as security headers and HSTS are also missing. Privacy compliance is well addressed with a comprehensive privacy and cookie policy and an active consent mechanism. Overall, while the business and content aspects are strong, the security posture requires urgent improvement to protect user data and maintain trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
18/ 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

      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

  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 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 hypotirol.com

This scan found 15 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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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
65
Email security
50
DNS health
85
Network security
100
GDPR outside view
18
Average
53

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

Hypo Tirol Bank AG is a well-established financial institution founded in 1901, with a strong regional presence in Tirol and a branch in Vienna. The bank offers a wide range of financial products tailored to private customers, corporate clients, large customers, and public institutions. Its business model combines traditional banking with digital services, including online banking and digital product completion. The bank's market position is reinforced by multiple industry awards and certifications, indicating high credibility and customer trust. The website reflects a focus on sustainability and regional engagement, which aligns with its brand identity. The presence of multiple related domains for insurance and regional services suggests a diversified service ecosystem. The bank targets a broad demographic, including young customers (U27 products) and professionals. The digital infrastructure supports marketing and customer engagement but needs enhancement in security to align with industry standards.

Security posture

The current security posture of the Hypo Tirol website is weak due to the absence of a valid SSL certificate and lack of HTTPS support, exposing users to potential data interception risks. No modern TLS protocols are enabled, and critical security headers such as HSTS are missing. OCSP stapling and session resumption mechanisms are not implemented, which could affect both security and performance. Despite these shortcomings, there are no indications of known vulnerabilities like Heartbleed or POODLE. The site uses secure forms and has a cookie consent mechanism compliant with GDPR. However, the lack of HTTPS is a critical issue that significantly undermines the overall security. The bank should prioritize obtaining and maintaining a valid SSL certificate and implementing recommended security headers and protocols to protect customer data and maintain regulatory compliance.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire website.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and disable outdated protocols.
  3. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload options.
  4. Enable OCSP stapling to improve certificate revocation checking performance and security.
  5. Configure session resumption mechanisms such as session tickets or session cache.
  6. Add essential security headers like Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Referrer-Policy.
  7. Regularly audit and update third-party scripts and plugins to avoid vulnerabilities.
  8. Enhance website performance by optimizing resource loading and reducing page size.
  9. Maintain comprehensive privacy and cookie policies and ensure ongoing GDPR compliance.
  10. Promote security awareness and incident response readiness within the organization.

Contact details published on the site

Addresses
Legal name
Hypo Tirol Bank AG
Technical notes

Notes

The website is built on WordPress CMS using Yoast SEO and Contact Form 7 plugins, indicating a standard and widely supported platform. It integrates modern JavaScript libraries such as Swiper.js for UI components and uses Google Tag Manager for analytics and marketing. Hosting is on Amazon AWS infrastructure, as indicated by IP addresses. The site has a large page size (~2.1 MB) and slow load time (~16 seconds), which could impact user experience and SEO. Accessibility and mobile optimization are good, with responsive design and accessibility features like skip links. SEO is well implemented with meta tags, Open Graph, and JSON-LD structured data. However, the lack of SSL/TLS and security headers represents technical debt and risk. Optimizing performance and enhancing security configurations are key areas for technical improvement.
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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