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Security report for ikanobank.com

Ikano bank · Banking · Sweden

Medium risk. 6 critical or high findings in Email security, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
Checks completed
6of 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

6 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  2. 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

    • 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

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

Keep watching ikanobank.com

This scan found 18 issues across 5 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
77
Security headers
70
Email security
40
Network security
100
GDPR outside view
50
Average
67

Not counted

  • DNS health: did not complete in this scan.
  • 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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention ikanobank.com, from OffSeq Breach.

No leaked records found

Breach holds no records for ikanobank.com right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Ikano Bank operates as a large-scale digital bank serving consumers and businesses across Europe. Its competitive advantage lies in its broad product portfolio, including consumer credit products and business financial services such as leasing and factoring. The bank leverages a digital-first approach to expand its market share and improve customer experience. Its multi-country presence through localized domains supports regional compliance and market penetration. Revenue streams likely include interest income, fees from credit products, and business service contracts. The absence of aggressive marketing or tracking tools suggests a focus on organic growth and regulatory compliance. Strategic partnerships or subsidiaries are implied by the multiple country domains, enhancing its ecosystem and operational reach.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enabled and use of anti-CSRF tokens in forms. However, the lack of visible security headers such as Content-Security-Policy, X-Frame-Options, and others reduces its defense-in-depth posture. No explicit privacy or security policies are published, which may expose compliance gaps under GDPR and NIS2 regulations. The absence of incident response contacts and vulnerability disclosure mechanisms limits transparency and readiness for security incidents. Minimal user tracking reduces privacy risks but also limits behavioral security analytics. Overall, the security posture is adequate for a banking website but requires enhancements in policy transparency, header implementation, and incident response readiness to align with best practices.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Add explicit security and incident response contact information on the website.
  4. Introduce a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Enhance accessibility features to improve compliance and user experience.

Contact details published on the site

Addresses
Legal name
Ikano Bank AB (publ)
Registration number
516406-0922
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ikano Bank AB (publ)
Description
Ikano Bank offers financial services for consumers and businesses across Europe including private label cards, credit cards, savings, mortgages, loans, leasing, factoring, and customer insight services. The bank aims to grow by becoming a digital and entrepreneurial-driven bank providing simple, fair, and affordable services.
Key services
private label cards, credit cards, savings, mortgages, loans, leasing, factoring, sales and customer insight services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS implied by URL (https://bank.ikano/)
  • Use of request verification token in form

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. No explicit privacy, cookie, or terms of service policies found on the main page
  3. Contact information limited to physical address in footer; no emails or phone numbers explicitly provided
  4. Multiple European country-specific domains linked, indicating broad regional presence
  5. PSD2 API facility is publicly linked, showing compliance with European banking regulations
  6. No social media links or marketing/advertising scripts detected
  7. No analytics or tracking scripts detected, indicating minimal user tracking
  8. Use of request verification token suggests some security measures in forms
  9. No security headers detected in provided data; potential area for 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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