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Security report for lukb.ch

Luzerner Kantonalbank · Finance · Switzerland

Low risk. 1 critical or high finding in SSL/TLS.

Security score

83/100

Risk levelLow

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

Luzerner Kantonalbank (LUKB) is a leading regional bank based in Luzern, Switzerland, offering a broad range of financial services including private banking, savings, investments, mortgages, and financial planning. The website targets private customers primarily in the Luzern and Central Switzerland region, emphasizing personalized service and innovative banking solutions. The bank maintains a strong market position as a trusted financial institution in its region. Technically, the website employs modern web technologies including JavaScript, Google Tag Manager, and Cookiebot for cookie management, ensuring compliance with privacy regulations such as GDPR. The site is well-optimized for mobile devices, accessible, and SEO-friendly, with a professional design and clear navigation structure. From a security perspective, the website enforces HTTPS with strong SSL configuration and includes essential security headers. Cookie consent mechanisms are robust, and no critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response information are not publicly available, which could be improved to enhance transparency and trust. Overall, the website demonstrates a high level of professionalism, security, and privacy compliance, supporting the bank's credibility and customer trust. Strategic recommendations include publishing detailed security and incident response policies, providing clear contact channels for security incidents, and maintaining regular audits of third-party integrations to mitigate risks.

Scanned

This is an earlier scan of lukb.ch. View the latest report

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. 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

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

Keep watching lukb.ch

This scan found 17 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
77
Security headers
80
Email security
75
DNS health
80
Network security
100
GDPR outside view
83
Average
83

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

LUKB operates as a large, essential banking entity focused on the Swiss regional market, particularly Luzern and Central Switzerland. Its business model revolves around comprehensive financial services for private customers, including savings, investments, mortgages, and retirement planning. The bank leverages partnerships with marketing and analytics providers such as Google and Facebook to enhance customer engagement and advertising effectiveness. The website's content and structure reflect a mature digital presence with strong branding consistency and trust signals. Growth indicators include extensive use of digital banking services and personalized financial products. The partnership ecosystem includes campaign management and appraisal service providers, supporting the bank's operational and marketing functions.

Security posture

The website exhibits a mature security posture with enforced HTTPS, strong SSL configuration, and multiple security headers such as Content-Security-Policy and Strict-Transport-Security. Cookie consent is managed via Cookiebot, ensuring GDPR compliance and user control over tracking. No exposed sensitive data or vulnerable libraries were identified in the HTML content. However, the absence of publicly available security policies and incident response contacts represents a compliance gap and potential risk in transparency. The use of third-party scripts from trusted providers is well-managed but requires ongoing monitoring. Overall, the security maturity is high, but improvements in policy disclosure and incident readiness communication are recommended.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Provide clear incident response contact information, including security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Add explicit data protection officer contact details to enhance GDPR compliance transparency.
  5. Regularly audit and update third-party scripts and integrations to mitigate emerging security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Luzerner Kantonalbank
Description
Entdecken Sie die vielfältigen Finanzdienstleistungen Ihrer Bank in Luzern und der Zentralschweiz. Persönliche Beratung, innovative Banklösungen und erstklassiger Service.
Key services
Private banking, Savings accounts, Investment management, Mortgage financing, Financial planning, Digital banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Cookiebot, HTML5, CSS3
Performance
moderate
Mobile
excellent
Accessibility
good
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 nonce in scripts

Analytics and tracking

Services
Google Analytics, Google AdSense
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, Meta Platforms, Inc.
Tracking pixels
Facebook Pixel
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Comprehensive cookie consent with detailed cookie categorization.
  2. Use of multiple subdomains for specialized banking products.
  3. Strong use of Google and Facebook marketing and analytics tools.
  4. No visible contact emails or phone numbers in main HTML; contact likely via help page.
  5. No explicit security or incident response policy pages found.
  6. Website is fully accessible with no blocking or WAF challenges.
  7. Content is professional, well-structured, and targeted at private banking customers in Switzerland.
Technical notes

Notes

The website is built with modern web standards including HTML5, CSS3, and JavaScript. It uses Google Tag Manager and Cookiebot for analytics and cookie management, indicating a mature digital marketing infrastructure. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate, with potential for optimization in loading times. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed in the HTML. The technical stack supports a secure and user-friendly experience but could benefit from enhanced performance tuning and explicit CMS identification for better maintainability.
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

Earlier scans of this domain

  1. 83/100Low25 findingsView report
  2. 83/100Low24 findingsView report
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