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Security report for kh.hu

K&H Bank Zrt. · Finance · Hungary

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

Security score

68/100

Risk levelMedium

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

K&H Bank Zrt. is a major Hungarian financial institution offering comprehensive banking and insurance services to individuals, businesses, and corporate clients. The website demonstrates a mature digital infrastructure with multiple customer portals, online banking, and appointment booking services. The site is well-structured, professionally designed, and provides clear navigation for its diverse audience segments. The presence of cookie consent mechanisms and privacy policies indicates compliance with GDPR and related regulations. Technically, the site leverages modern frameworks such as Liferay, React, and Bootstrap, supported by analytics and live chat tools to enhance user engagement and service delivery. Security posture is strong with HTTPS enforcement and no visible vulnerabilities, although explicit security policies and vulnerability disclosure mechanisms are not publicly documented. Overall, the site reflects a trustworthy and professional banking platform with a strong market position in Hungary.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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

  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 kh.hu

This scan found 19 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

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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
72
Security headers
35
Email security
70
DNS health
90
Network security
100
GDPR outside view
40
Average
68

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

K&H Bank operates in the finance sector with a focus on retail banking, loans, savings, investments, and insurance products. The business model centers on providing full-service financial solutions to private individuals, SMEs, and corporate clients. The website content and linked domains reveal a well-integrated ecosystem including customer portals and appointment scheduling, supporting efficient client interactions. The bank's market position is reinforced by extensive service offerings and digital channels. The absence of direct contact emails or phone numbers on the main page suggests a preference for controlled communication via portals and forms, enhancing security and customer management. The use of advanced analytics and marketing tools indicates a data-driven approach to customer engagement and service optimization.

Security posture

The website enforces HTTPS and integrates security best practices such as cookie consent and secure third-party services. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, explicit security policies, incident response contacts, and vulnerability disclosure programs are not publicly available, representing an area for improvement. The use of LivePerson for live chat and Google Tag Manager for analytics is standard but requires ongoing monitoring to mitigate third-party risks. Security headers are likely configured but not explicitly visible in the HTML. Overall, the security posture is solid for a banking website, but transparency around security governance could be enhanced.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and incident response procedures.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Enhance accessibility features to improve compliance with standards and user experience for all users.
  4. Ensure all recommended security headers are properly configured and verifiable.
  5. Regularly audit and update third-party scripts and analytics tools to minimize security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
K&H Bank Zrt.
Description
A K&H Bank és Biztosító teljes körű pénzügyi szolgáltatást nyújt, akár bankszámlát nyitnál, hitelt igényelnél, biztosítást kötnél, vagy megtakarításaidat kezelnéd.
Key services
hitelek, napi pénzügyek, megtakarítások, biztosítások, digitális bankolás
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Liferay Portal, AUI (Alloy UI), React (16.12.0), Google Tag Manager, LivePerson chat, Boomerang performance monitoring
Frameworks
Liferay, Bootstrap
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of secure third-party services

Analytics and tracking

Services
Google Tag Manager, Boomerang
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
LivePerson, Boomerang
Marketing tools
LivePerson chat
Transparency
good

Site quality

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

Key observations

  1. Comprehensive banking and insurance services offered
  2. Strong digital presence with multiple customer portals
  3. Good cookie consent and privacy compliance
  4. Use of modern web technologies and analytics
  5. No signs of malicious or suspicious activity
  6. No exposed sensitive data or security misconfigurations detected
Technical notes

Notes

The website is built on the Liferay CMS platform, utilizing modern JavaScript frameworks including React and jQuery, and styled with Bootstrap. It employs Google Tag Manager and LivePerson for analytics and customer engagement. Performance monitoring is implemented via Boomerang. The site is mobile-optimized with responsive design and includes accessibility basics. The technical stack is robust and suitable for a large financial institution, though some improvements in accessibility and explicit security header visibility could be made. Hosting details are not explicitly disclosed but the infrastructure supports secure and performant delivery.
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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