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Security report for ing.com.au

ING Bank · Finance · Australia

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

Security score

81/100

Risk levelLow

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

ING Bank Australia operates as a major online financial institution offering a wide range of banking and financial services including everyday accounts, savings, loans, credit cards, insurance, and superannuation. The website demonstrates a strong market position with a clear focus on digital banking solutions tailored for Australian customers. The company leverages modern web technologies such as AngularJS and Adobe Launch for marketing and analytics, ensuring a robust digital infrastructure. Security is well implemented with HTTPS, security headers, and secure login portals, reflecting a mature security posture appropriate for a financial services provider. Privacy policies and cookie consent mechanisms are comprehensive and GDPR compliant, supporting regulatory adherence. Overall, the website presents a professional, trustworthy, and user-friendly experience with strong branding consistency and clear business information.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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.

    • 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.

    • 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 ing.com.au

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.

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

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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
82
Security headers
80
Email security
80
DNS health
90
Network security
100
GDPR outside view
53
Average
81

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

ING Bank Australia targets retail and business banking customers in Australia, focusing on digital-first banking services. Their competitive advantages include a fully online banking experience, competitive interest rates, and a broad product portfolio covering loans, insurance, and superannuation. The business model is primarily direct-to-consumer online banking, reducing physical branch overheads. Revenue streams likely include interest income, fees, and insurance premiums. The company maintains partnerships with insurance and health service providers, enhancing its service ecosystem. Growth indicators include active digital marketing, comprehensive online tools, and a strong social media presence. Strategic observations highlight the importance of maintaining digital security and compliance to sustain customer trust and regulatory standing.

Security posture

The website exhibits a high level of security maturity with enforced HTTPS, multiple security headers (CSP, HSTS, X-Frame-Options), and secure form handling. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a public vulnerability disclosure policy and incident response contact details suggests room for improvement in transparency and incident readiness. Compliance with privacy regulations is evident, but explicit data protection officer contact information is missing. Overall, the security posture is strong, minimizing risks to customer data and business operations.

Recommendations

  1. Implement and publish a formal vulnerability disclosure and bug bounty program to encourage responsible reporting.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Enhance transparency by publishing data protection officer contact details to support GDPR compliance.
  4. Regularly audit and update third-party libraries and frameworks to mitigate emerging vulnerabilities.
  5. Maintain continuous security monitoring and penetration testing to proactively identify and remediate risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ING Bank
Description
Everyday bank accounts and savings accounts. Great rates on home loans, personal loans, credit cards, insurance and superannuation. Do your thing with ING.
Key services
Everyday banking, Savings accounts, Home loans, Personal loans, Credit cards, Insurance, Superannuation
Content quality
excellent
Branding
consistent

Technology

Stack
AngularJS (ng-app, ng-controller), Adobe Launch (Adobe DTM), Google Tag Manager, Web Components polyfill (webcomponents-lite.js), Custom ING icon font, Slick slider (hero-feature-slider), JSON-LD structured data
Frameworks
AngularJS
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure login forms
  • No exposed sensitive data in HTML
  • Use of CSP and other headers

Analytics and tracking

Services
Google Analytics, Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Adobe Audience Manager (demdex.net)
Tracking pixels
Adobe DTM
Marketing tools
Adobe Launch
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 navigation.
  2. Strong use of structured data and social media integration.
  3. Comprehensive product and service offerings clearly presented.
  4. No signs of phishing, malware, or suspicious activity.
  5. Good mobile responsiveness and accessibility features.
  6. No exposed sensitive information or security misconfigurations detected.
Technical notes

Notes

The website uses a modern JavaScript framework (AngularJS) combined with Adobe Launch and Google Tag Manager for analytics and marketing automation. The use of web components and custom icon fonts indicates a well-structured front-end architecture. Performance is moderate with room for optimization, but mobile responsiveness and accessibility are excellent, ensuring a broad user reach. The site employs structured data (JSON-LD) for SEO and social media integration, enhancing discoverability. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. Technical risks are minimal, but ongoing modernization and performance tuning could further improve user experience and operational resilience.
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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