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Security report for luminor.lt

Luminor · Finance · Lithuania

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

Security score

67/100

Risk levelMedium

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

Luminor is a prominent financial institution serving private and business clients primarily in Lithuania and the Baltic region. The website showcases a broad portfolio of banking products including loans, savings, investments, insurance, and payment services. The company positions itself as a modern bank with digital services such as internet and mobile banking, supported by a professional and user-friendly website. The presence of localized content and language options indicates a focus on regional customers. Technically, the website is built on Drupal CMS with modern JavaScript libraries and integrates Google services for analytics and optimization. Privacy and cookie compliance are well implemented with OneTrust consent management, reflecting adherence to GDPR requirements. Security posture is strong with HTTPS enforced, security headers present, and no visible vulnerabilities or sensitive data exposure. However, WHOIS data is unavailable due to query limits, though the website content and compliance signals support legitimacy. Overall, Luminor demonstrates a mature digital presence with good security and privacy practices suitable for a large financial services provider.

Scanned

This is an earlier scan of luminor.lt. View the latest report

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, YouTube

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

  2. 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 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';…

  3. 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 luminor.lt

This scan found 22 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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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
47
Security headers
60
Email security
75
DNS health
80
Network security
100
GDPR outside view
40
Average
67

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 luminor.lt, from OffSeq Breach.

Total records
71
Employees
0
Customers
71
Third parties
0
Weak passwords
51%

5 subdomains affected

See the 10 newest leaked credentials

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

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

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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

Luminor operates in the finance sector with a focus on retail and corporate banking in the Baltic states. Its business model revolves around providing comprehensive banking solutions including loans, deposits, investment products, and insurance. The website indicates a large enterprise scale with multiple service lines and customer segments including youth and children banking. The company leverages partnerships and subsidiaries to extend its market reach, as seen with related domains for Estonia and career services. The digital platform supports customer acquisition and service delivery with online banking portals and calculators. The presence of regulatory and compliance information suggests a well-governed institution. Market positioning is strong in the Baltic region, with a focus on customer experience and digital transformation.

Security posture

The website exhibits a robust security posture with HTTPS enforced and multiple security headers implemented, including HSTS, CSP, and X-Frame-Options. Cookie consent mechanisms actively block non-essential cookies until consent is given, enhancing privacy protection. No exposed sensitive information or vulnerable libraries were detected in the HTML content. However, the absence of a publicly visible security.txt or explicit incident response contact limits transparency in vulnerability disclosure and incident handling. The privacy policy and data protection officer information are clearly presented, supporting GDPR compliance. Overall, the security maturity is high for a financial institution, though improvements could be made in formalizing vulnerability disclosure channels and incident response visibility.

Recommendations

  1. Publish a security.txt file to facilitate responsible vulnerability disclosure.
  2. Provide explicit incident response contact information on the website.
  3. Regularly audit and update third-party libraries to mitigate potential vulnerabilities.
  4. Enhance transparency by linking certifications or compliance attestations.
  5. Continue improving mobile optimization and accessibility to broaden user reach.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Luminor
Description
Luminor is a financial services provider offering banking products such as loans, savings, investments, insurance, and payment services primarily targeting private and business clients in the Baltic region.
Key services
Internet banking, Loans (housing, consumer, auto), Savings and investments, Insurance, Payment cards
Content quality
good
Branding
consistent

Technology

Stack
Drupal CMS, jQuery 2.2, Google Charts, Google Tag Manager, OneTrust Cookie Consent
Frameworks
Drupal
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with blocking scripts
  • No exposed sensitive data in HTML
  • Secure forms with validation

Analytics and tracking

Services
Google Tag Manager, Google Analytics (implied)
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Google Optimize, OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no WAF blocking
  2. Professional banking website with comprehensive service offerings
  3. Strong privacy and cookie compliance mechanisms
  4. No visible security vulnerabilities or exposed sensitive data
  5. WHOIS data unavailable due to query limits, but no red flags in content
  6. Multiple external trusted domains linked, including official banking and career sites
Technical notes

Notes

The website is built on Drupal CMS with jQuery 2.2 and integrates Google services such as Google Tag Manager and Google Charts for analytics and visualization. OneTrust is used for cookie consent management, indicating a mature approach to privacy compliance. The site uses responsive design techniques and accessibility features such as skip links and ARIA attributes. Performance is moderate with multiple CSS and JS files loaded, but no critical performance bottlenecks detected. The technical stack is modern but could benefit from updating jQuery to a more recent version. Hosting provider details are not explicitly identified. Overall, the technical infrastructure supports a professional banking website with good SEO and user experience.
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. 57/100Medium35 findingsView report
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