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Security report for kontenvergleich.li

Liechtensteiner Bankenverband · Finance · Liechtenstein

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

Security score

66/100

Risk levelMedium

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

Kontenvergleich.li is the official payment account comparison website operated by the Liechtensteiner Bankenverband, serving as a trusted platform for consumers in Liechtenstein to compare banking products and fees. The site provides structured access to information about payment accounts, associated services, and pricing from major Liechtenstein banks, positioning itself as a key resource for financial decision-making within the country. The business model centers on transparency and consumer empowerment in the banking sector, supported by the official banking association. Technically, the website employs a straightforward stack including jQuery, Bootstrap Grid, and Select2 for enhanced UI elements. The site is mobile-optimized with good navigation and user experience, though some SEO and accessibility features are basic. No advanced CMS or hosting details are evident, suggesting a custom or lightweight implementation. Performance is moderate with no blocking or WAF detected, indicating reliable accessibility. From a security perspective, the site uses HTTPS and secure form controls but lacks visible security headers and explicit security policies. Privacy compliance is partially addressed via a linked privacy policy on the parent domain, but cookie consent mechanisms are absent. No incident response or vulnerability disclosure information is provided. Overall, the security posture is adequate but could be improved with standard headers and transparency. The overall risk is low given the official nature and limited attack surface, but enhancements in security headers, privacy notices, and incident response readiness are recommended to strengthen trust and compliance. The site is safe for general audiences with no adult or questionable content detected.

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

6 findings rated critical or high. Fix these first.

  1. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

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

    • 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';…

  2. 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

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

Keep watching kontenvergleich.li

This scan found 23 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
77
Security headers
20
Email security
70
DNS health
75
Network security
100
GDPR outside view
53
Average
66

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 Liechtensteiner Bankenverband operates Kontenvergleich.li as an essential service to increase transparency in the local banking market. The platform targets retail banking customers seeking to compare payment account offerings and fees from the main banks in Liechtenstein. Its competitive advantage lies in official backing and comprehensive coverage of local banks. The business model is informational and regulatory in nature rather than commercial, focusing on consumer protection and market transparency. Revenue streams are not evident, suggesting funding through the banking association. The partnership ecosystem includes the three main banks listed and the parent Bankenverband. Growth indicators are stable given the niche market and official status. Strategic observations highlight the importance of maintaining trust and compliance to support the platform's credibility.

Security posture

The website demonstrates a moderate security maturity level with HTTPS usage and secure UI components. However, the absence of key security headers such as Content-Security-Policy and X-Frame-Options reduces defense-in-depth. No exposed sensitive data or vulnerable libraries were detected, and no signs of malware or phishing exist. Compliance with GDPR is partially indicated via a privacy policy link, but cookie consent is missing. Incident response and vulnerability disclosure mechanisms are not present, which could delay mitigation of security events. The security culture appears basic but adequate for the site's scope. Business impact of current gaps is low but improvements would reduce risk and enhance user trust.

Recommendations

  1. Implement standard security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Add a cookie consent banner/mechanism to comply fully with GDPR cookie requirements.
  3. Publish explicit security and incident response policies accessible from the website.
  4. Regularly audit and update third-party libraries to mitigate vulnerabilities.
  5. Enhance privacy compliance by providing clear data retention and processing information.

Contact details published on the site

Addresses
Legal name
Liechtensteiner Bankenverband
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Liechtensteiner Bankenverband
Description
Offizielle liechtensteinische Vergleichswebsite für Zahlungskontenangebote und Entgelte der liechtensteinischen Banken.
Key services
Vergleich von Zahlungskonten, Informationen zu Bankdienstleistungen, Bereitstellung von Preisbroschüren und Kontaktinformationen der Banken
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap Grid, Select2
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • Use of HTTPS (implied by URL)
  • Form input sanitization via select2 controls

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is an official banking association portal for Liechtenstein.
  2. Content is focused on payment account comparison and banking services.
  3. No privacy or cookie policy explicitly on this domain but linked to parent domain.
  4. No visible security headers in HTML content; HTTPS assumed but not verified here.
  5. No advertising or tracking scripts detected.
  6. No social media links present.
  7. Contact information is clearly provided in footer.
  8. Form collects user selections for account type, services, banks, and pricing model.
  9. No signs of adult or questionable content.
  10. No WAF or blocking detected; site fully accessible.
Technical notes

Notes

The website uses a simple but effective technology stack with jQuery, Bootstrap Grid, and Select2 for UI enhancements. The HTML is well-structured and mobile responsive, providing a good user experience. SEO metadata is minimal but present. No CMS or advanced frameworks are detected, indicating a custom or lightweight solution. Performance is moderate with no blocking or WAF detected. Accessibility features are basic but functional. The site could benefit from improved SEO metadata and accessibility enhancements. Hosting details are not disclosed, limiting deeper infrastructure analysis. Overall, the technical implementation is solid for the site's purpose but has room for modernization and security hardening.
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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