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Security report for mbank.sk

mBank S.A. · Finance · Slovakia

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

72/100

Risk levelMedium

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

mBank S.A. operates a comprehensive online banking platform targeting individual customers in Slovakia. The website offers a wide range of financial services including bank accounts, loans, mortgages, investments, insurance, and contactless payment options. The bank positions itself as a modern, customer-centric online bank with over 300,000 clients for its main account product, emphasizing ease of use, security, and accessibility. The site is professionally designed with clear navigation and mobile optimization, supporting a seamless user experience.

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

4 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, 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

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

Keep watching mbank.sk

This scan found 20 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
72
Security headers
70
Email security
73
DNS health
75
Network security
100
GDPR outside view
40
Average
72

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

mBank holds a strong market position as a digital-first bank in Slovakia, leveraging a fully online business model that reduces physical branch dependency. Its competitive advantages include no-fee accounts, fast loan processing, and innovative payment methods such as payment rings and mobile wallets. The bank targets tech-savvy individual customers seeking convenient and secure banking solutions. The partnership with Quercus for software development indicates a robust technology ecosystem. The presence of multiple social media channels and active marketing campaigns suggests a mature growth strategy and customer engagement focus.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, cookie consent mechanisms, and customer security advisories prominently displayed. Use of Google Tag Manager with consent mode and mBiscuit for cookie management reflects compliance with privacy regulations. However, explicit security headers like CSP or HSTS are not visibly configured, and no public incident response or vulnerability disclosure policies are found. No vulnerabilities or exposed sensitive data were detected in the HTML content. Overall, the security maturity is good but could be enhanced by publishing formal security policies and improving HTTP header configurations.

Recommendations

  1. Implement and publish a formal vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  2. Add and enforce security HTTP headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options to strengthen defense-in-depth.
  3. Publish incident response contact information to improve transparency and trust.
  4. Continue enhancing privacy compliance by detailing data retention policies and user rights clearly.
  5. Maintain and regularly update third-party libraries and tracking tools to avoid vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
mBank S.A.
Description
Ponuka služieb mBank pre individuálnych klientov. Využite náš účet, pôžičku s nulovým úrokom, hypotéku alebo iné služby. Naša online banka je otvorená vždy!
Key services
bank accounts, loans, mortgages, investments, insurance, contactless payments, mobile banking app, internet banking
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, mBiscuit cookie consent, HTML5, CSS3
Frameworks
StartWeb6.0
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Google Tag Manager with consent mode
  • Cookie consent with reject option
  • Security advice for customers
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
Facebook Pixel
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured for individual banking customers.
  2. Strong focus on security awareness and customer education.
  3. Comprehensive service offerings covering banking, loans, investments, and insurance.
  4. Good use of modern web technologies and tracking with privacy considerations.
  5. Clear contact and support channels visible.
  6. No signs of malicious or suspicious content.
Technical notes

Notes

The website is built on the StartWeb6.0 CMS framework and uses modern web technologies including jQuery and Google Tag Manager. The site is mobile optimized and accessible, with good SEO practices such as meta tags and structured navigation. Performance is moderate, with asynchronous loading of scripts and optimized images. The hosting provider is not explicitly identified. There is no indication of technical debt or legacy technology usage. Opportunities exist to improve performance further and implement advanced security headers. Overall, the technical infrastructure supports a reliable and user-friendly online banking 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

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