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Security report for kbc.ie

KBC Bank NV Dublin Branch · Finance · Ireland

Medium risk. 6 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

56/100

Risk levelMedium

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

KBC Ireland's website serves as an informational portal detailing the orderly winddown of KBC Bank Ireland DAC (now Exicon DAC) and the transfer of accounts to KBC Bank NV Dublin Branch. The site targets former customers and stakeholders, providing regulatory disclosures, contact information, and guidance on account management. The business operates under the parent company KBC Bank NV, a large Belgian banking institution, maintaining a presence in Ireland through its Dublin branch. Technically, the website is built on Adobe Experience Manager with integrations for analytics, consent management, and performance monitoring, reflecting a mature digital infrastructure. Security posture is strong with HTTPS enforcement and consent mechanisms, though some advanced security headers and explicit security policies are absent. Overall, the site is professional, trustworthy, and compliant with GDPR, supporting a smooth transition for customers during the market exit.

Scanned

NIS2 and GDPR posture

GDPR outside view
15/ 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

6 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 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

  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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

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

Keep watching kbc.ie

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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  • 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
65
Email security
70
DNS health
85
Network security
100
GDPR outside view
15
Average
56

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 website reflects KBC's strategic exit from the Irish market, transferring operations to its Dublin branch. This indicates a consolidation approach within the group, focusing on regulatory compliance and customer support continuity. The presence of Deloitte as liquidator shows formal liquidation processes. The business model is banking services via branch operations, targeting retail and deposit customers. The site supports transparency with regulatory and contact information, enhancing trust. The use of advanced digital tools suggests investment in customer experience and operational efficiency. Partnerships with Deloitte and use of TrustArc for consent management highlight a strong compliance culture.

Security posture

The website demonstrates a solid security foundation with HTTPS, use of TrustArc for cookie consent, and modern JavaScript libraries loaded with defer attributes to optimize security and performance. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms indicates room for improvement in transparency and readiness. Security headers beyond X-UA-Compatible are not evident, suggesting potential enhancements. No vulnerabilities or exposed sensitive data were detected. The site aligns well with GDPR requirements but could benefit from publishing a security.txt and incident response details to improve stakeholder confidence.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy and incident response contact information on the website.
  3. Add a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance accessibility features to meet higher standards for users with disabilities.
  5. Maintain and regularly update consent management tools to ensure ongoing GDPR compliance.

Contact details published on the site

Addresses
Legal name
KBC Bank NV Dublin Branch
VAT number
BE 0462 920 226
Registration number
904213 (KBC Bank NV Dublin Branch), 40537 (Exicon DAC)
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
KBC Bank NV Dublin Branch
Description
KBC Ireland (formerly KBC Bank Ireland DAC, now Exicon DAC) is in the process of an orderly winddown from the Irish market. KBC Bank NV Dublin Branch supports former customers. The site provides information about the transfer of accounts, regulatory status, and contact details.
Key services
Account servicing, Customer support, Information on deposits and debt management
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), Adobe Target, Elastic APM, jQuery, Modernizr, Enquire.js, TrustArc Consent Management
Frameworks
Adobe Experience Manager
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced (canonical link uses https)
  • Use of TrustArc for cookie consent
  • No exposed sensitive data in HTML
  • Use of modern JS libraries with deferred loading

Analytics and tracking

Services
Adobe Analytics, Elastic APM
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics, Adobe Target, TrustArc Consent, OneSignal Push Notifications
Marketing tools
Adobe Target, TrustArc, OneSignal
Transparency
good

Site quality

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

Key observations

  1. Website is a dedicated informational site for KBC Ireland's market exit and account transfer process.
  2. Content is professionally presented with clear regulatory disclosures.
  3. Use of modern web technologies and consent management tools.
  4. No signs of blocking or WAF interference.
  5. No direct contact emails or phone numbers explicitly listed on the main page; contact is via 'Get in Touch' page.
  6. No explicit security or incident response policies published.
  7. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website is built on Adobe Experience Manager, leveraging Adobe Target for personalization and Elastic APM for performance monitoring, indicating a robust enterprise-grade infrastructure. The use of deferred JavaScript loading and modern libraries like jQuery and Modernizr supports good performance and compatibility. Hosting appears to be managed internally or via trusted providers, with assets served from kbc.be domains. Mobile optimization is good, with responsive images and viewport settings. SEO is supported by canonical links, meta tags, and Open Graph metadata. Some technical debt may exist in the form of missing advanced security headers and limited accessibility features, which can be addressed in future updates.
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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