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Security report for kreissparkasse-ravensburg.de

Kreissparkasse Ravensburg · Finance · Germany

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

79/100

Risk levelLow

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

Kreissparkasse Ravensburg is a well-established regional bank in Germany, providing a broad range of financial services including retail banking, loans, investments, insurance, and private banking. The website targets both private and corporate customers primarily in the Ravensburg region. It demonstrates a strong market position supported by multiple awards and a comprehensive service portfolio. The digital infrastructure is modern and responsive, leveraging custom frameworks and standard web technologies to deliver a professional user experience. Security posture is robust with HTTPS enforcement and secure form handling, although explicit security headers could be verified further. Privacy and cookie policies are clearly presented with consent mechanisms, reflecting good GDPR compliance. Contact options are extensive, including phone, chat, WhatsApp, and email forms, enhancing customer accessibility. Overall, the website is professional, trustworthy, and well-aligned with the business's regional banking focus.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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

2 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 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

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Keep watching kreissparkasse-ravensburg.de

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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
90
Email security
70
DNS health
70
Network security
100
GDPR outside view
68
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention kreissparkasse-ravensburg.de, from OffSeq Breach.

Total records
795
Employees
0
Customers
795
Third parties
0
Weak passwords
66%

6 subdomains affected

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A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for kreissparkasse-ravensburg.de.

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Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The bank operates in the finance sector with a focus on retail and corporate banking services. Its business model revolves around providing comprehensive financial products such as checking accounts, credit cards, loans, investment products, and real estate services. The website content and structure indicate a mature digital presence with clear navigation and service segmentation. The presence of multiple awards and certifications highlights competitive advantages in customer service and digital banking. The bank maintains partnerships with investment platforms like DekaBank and integrates affiliate programs such as PAYBACK. The target customer segments include private individuals, young customers, and businesses within the regional market. Growth indicators include digital service expansion and active marketing via social media and newsletters.

Security posture

The website enforces HTTPS and uses security tokens in forms to protect against CSRF attacks. No exposed sensitive data or vulnerable libraries were detected in the HTML content. While explicit security headers like Content-Security-Policy or X-Frame-Options were not visible in the provided data, the overall security posture appears strong. The absence of a public incident response or vulnerability disclosure policy is noted as an area for improvement. The bank demonstrates awareness of phishing and data theft risks through dedicated informational content. The security score is high but could be enhanced by publishing formal security policies and ensuring all recommended HTTP security headers are present.

Recommendations

  1. Verify and implement comprehensive HTTP security headers such as CSP, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a formal incident response and vulnerability disclosure policy to improve transparency and security readiness.
  3. Conduct regular security audits and vulnerability scans of third-party scripts and integrations.
  4. Enhance visibility of data protection officer contact information to strengthen GDPR compliance.
  5. Continue improving mobile optimization and accessibility features to maintain excellent user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kreissparkasse Ravensburg
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Girokonto (checking accounts), Online-Banking, Credit cards, Loans and financing, Savings and investments, Insurance products, Private Banking, Real estate services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, jQuery (implied by $ usage), Custom Sparkasse web fonts
Frameworks
Custom Sparkasse Internetfiliale framework
Platforms
Web desktop and mobile responsive
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login forms
  • No exposed sensitive data in HTML
  • Use of security tokens in forms (data-cp_salt, data-cp_proof)

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Marketing tools
Newsletter, Chatbot Linda
Transparency
basic

Site quality

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

Key observations

  1. Comprehensive banking services for private and corporate customers
  2. Strong regional focus on Ravensburg, Germany
  3. Multiple contact channels including phone, chat, WhatsApp, and email forms
  4. Clear privacy and cookie policies with consent mechanisms
  5. Use of modern web technologies and responsive design
  6. No signs of malicious or suspicious content
  7. Presence of awards and certifications enhancing trust
  8. No visible security or compliance policy pages beyond privacy and cookie policies
Technical notes

Notes

The website uses a custom Sparkasse Internetfiliale framework with JavaScript and CSS assets optimized and minified. The presence of clientlibs and structured URL paths suggests a sophisticated CMS, likely Adobe Experience Manager or a similar enterprise solution. The site is mobile responsive with good accessibility features such as skip navigation buttons and ARIA roles. Performance is moderate, with some large images and scripts but overall acceptable load times. SEO is supported by proper meta tags, canonical links, and Open Graph metadata. The technical infrastructure supports secure online banking services with tokens and session management. Opportunities exist to modernize some legacy scripts and enhance security header implementation.
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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