Security report for kakaobank.com
카카오뱅크 · Finance · South Korea
Low risk. 3 critical or high findings in Security headers and GDPR outside view.
카카오뱅크는 2013년에 설립된 대한민국의 대표적인 인터넷 전문은행으로, 모바일 중심의 간편하고 혁신적인 금융 서비스를 제공하고 있습니다. 주요 서비스로는 입출금통장, 대출, 예금, 적금, 투자 및 외환 서비스, 체크카드 등이 있으며, 개인 및 개인사업자를 대상으로 한 다양한 금융 상품을 운영하고 있습니다. 브랜드 일관성과 사용자 경험에 중점을 둔 디자인으로 높은 신뢰도를 확보하고 있습니다. 기술적으로는 Google Analytics, Google Tag Manager, reCAPTCHA, Kakao Maps SDK 등 최신 웹 기술을 활용하며, Akamai를 통한 안정적인 호스팅 환경을 갖추고 있습니다. 보안 측면에서는 HTTPS 적용과 CSRF 토큰, reCAPTCHA 사용 등 기본적인 보안 조치를 시행하고 있으나, DNSSEC 미적용과 보안 헤더 부재, 보안 공지 체계 미비 등 개선 여지가 있습니다. 전반적으로 신뢰성 높고 전문적인 금융 서비스 웹사이트로 평가되며, 개인정보처리방침과 이용약관 등 법적 문서도 충실히 제공하고 있습니다.
Scanned
NIS2 and GDPR posture
- GDPR outside view
- 53/ 100 · Medium
- Checks completed
- 7of 7
NIS2 Art. 21(2)
- (a) Risk analysis and security policies: Not visible from outside
- (b) Incident handling: One indicator
- (c) Business continuity, backups and crisis management: Not visible from outside
- (d) Supply chain security: Not visible from outside
- (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
- (f) Assessing the effectiveness of security measures: Not visible from outside
- (g) Cyber hygiene and security training: Not visible from outside
- (h) Cryptography and encryption: Partly checked
- (i) HR security, access control and asset management: One indicator
- (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.
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';…
- High
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
- GDPR Art. 7
- ePrivacy Art. 5(3)
- NIST PT-4: NIST SP 800-53 Rev. 5 PT-4: Consent
- High
Need hands-on remediation? Email guard@offseq.com
Keep watching kakaobank.com
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
Email alerts on material changes and an exportable JSON history of every change.
Billed monthly to your card. Cancel anytime. See sample alerts.
Full report
€39.90one-time
- The complete analysis as a PDF you can cite
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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
- 90
- Security headers
- 70
- Email security
- 85
- DNS health
- 75
- Network security
- 100
- GDPR outside view
- 53
- Average
- 79
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
Security posture
Recommendations
- 도메인 DNSSEC 활성화를 통해 DNS 보안 강화
- Content-Security-Policy, X-Frame-Options, X-XSS-Protection 등 보안 헤더 적용
- 보안 취약점 신고 및 대응을 위한 security.txt 파일 공개 및 명확한 연락처 제공
- 쿠키 정책 및 사용자 동의 메커니즘 도입으로 개인정보 보호 강화
- 정기적인 보안 점검 및 최신 보안 기술 도입을 통한 보안 문화 강화
Contact details published on the site
- Legal name
- (주)카카오뱅크
- Registration number
- 375-88-00197
Site observations
Automated reading of the public site. Ratings are indicative.
Business
- Company
- 카카오뱅크
- Description
- 카카오뱅크는 모바일 기반의 은행 서비스로, 간편한 계좌개설, 이체, 예금, 적금, 대출, 투자, 외환, 카드, 사업자 금융 서비스를 제공한다. IT 기술을 활용하여 사용자 친화적이고 보안이 강화된 금융 서비스를 제공한다.
- Key services
- 입출금통장, 모임통장, 정기예금, 자유적금, 대출(비상금대출, 신용대출, 주택담보대출 등), 투자 및 외환 서비스, 체크카드 및 신용카드, 사업자 금융 서비스
- Content quality
- excellent
- Branding
- consistent
Technology
- Stack
- Google Analytics, Google Tag Manager, reCAPTCHA, Kakao Maps SDK, Moment.js, ScrollReveal.js, jQuery
- Platforms
- Web
- Performance
- fast
- Mobile
- excellent
- Accessibility
- excellent
- SEO
- good
Security
- Observed score
- 85/100
- Good practices seen
- HTTPS enforced
- CSRF token present in meta tags
- Use of reCAPTCHA for bot prevention
- Content Security Policy not explicitly detected but scripts loaded from trusted sources
Analytics and tracking
- Services
- Google Analytics, Google Tag Manager
- Tracking level
- moderate
- Privacy practices
- basic
Advertising
- Ad networks
- Google Ads (implied via Google Tag Manager)
- Transparency
- good
Site quality
- Design
- excellent
- User experience
- excellent
- Content relevance
- excellent
- Navigation
- excellent
- Professionalism
- excellent
- Trustworthiness
- high
Key observations
- Website is fully accessible with rich content.
- Strong focus on mobile-first banking services.
- Multiple official social media channels linked.
- Use of modern web technologies and analytics.
- Good security posture with HTTPS and reCAPTCHA.
- Lack of explicit security.txt and incident response contacts.
- No cookie consent mechanism detected despite analytics usage.
- Comprehensive legal documents linked in footer.
- Branding and navigation are consistent and professional.
Technical notes
Notes
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.
- MITRE CWE (opens in a new tab)4.20 (2026-04-30) · CWE Terms of Use (free use with attribution, © MITRE)
- OWASP Top 10:2025 (opens in a new tab)2025 (membership per CWE 4.20) · CC BY-SA 4.0
- MITRE CAPEC (opens in a new tab)3.9 (2023-01-24) · CAPEC Terms of Use (free use with attribution, © MITRE)
- OWASP ASVS (opens in a new tab)5.0.0 · CC BY-SA 4.0
- OWASP Web Security Testing Guide (opens in a new tab)latest (checklist.json, master) · CC BY-SA 4.0
- OWASP Secure Headers Project (opens in a new tab)2026-10-18 · Apache-2.0
- Mozilla Server Side TLS (intermediate) (opens in a new tab)6.0 · MPL-2.0
- NIST SP 800-53 Rev. 5 (OSCAL catalog) (opens in a new tab)5.2.0 · Public domain (US Government work)
- Directive (EU) 2022/2555 (NIS2) (opens in a new tab)OJ L 333, 27.12.2022 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
- Commission Implementing Regulation (EU) 2024/2690 (opens in a new tab)OJ L, 18.10.2024 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
- Regulation (EU) 2016/679 (GDPR) (opens in a new tab)OJ L 119, 4.5.2016 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
- Directive 2002/58/EC (ePrivacy), consolidated (opens in a new tab)19.12.2009 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
- RFC Editor metadata (opens in a new tab)per-RFC (obsolete RFCs rejected) · IETF Trust Legal Provisions (metadata only)
- NIST CSRC, W3C TR, IETF Datatracker, EDPB, EUR-Lex CELLAR and gesetze-bayern.de (opens in a new tab)per document · Titles and links only
- NIST NVD CVE API 2.0 (opens in a new tab)live records · Public domain (NVD); CVE® records © MITRE, free use
- W3C WCAG 2.2 (opens in a new tab)W3C Recommendation (wcag.json) · W3C Software and Document License
- ETSI EN 301 549 (opens in a new tab)V3.2.1 (2021-03), clause headings · Clause numbers and titles only (© ETSI)
- Directive (EU) 2019/882 (European Accessibility Act) (opens in a new tab)OJ L 151, 7.6.2019 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
- Directive (EU) 2016/2102 (Web Accessibility Directive) (opens in a new tab)OJ L 327, 2.12.2016 · EUR-Lex reuse under Commission Decision 2011/833/EU (© European Union)
Retrieved 2026-10-25
Earlier scans of this domain
- 74/100Medium29 findingsView report
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