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Security report for medbank.lt

Urbo · Finance · Lithuania

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

77/100

Risk levelLow

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

Urbo is a Lithuanian bank established in 2023, offering a comprehensive range of banking services to private individuals and business clients. Their services include housing and consumer loans, business financing, deposits, payment services, insurance, and digital banking solutions. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content tailored to their target audience in Lithuania. The company maintains an active online presence with social media links and multiple service subdomains for internet banking, document management, loan applications, and API access. Technically, the website leverages modern JavaScript frameworks such as Alpine.js and Livewire, is hosted behind Cloudflare, and integrates Google Tag Manager and Facebook Pixel for analytics and marketing. Security posture is strong with HTTPS enforced, appropriate security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is well addressed with accessible privacy and cookie policies and a consent mechanism. However, explicit security policies and incident response contacts are not found, representing an area for improvement. Overall, Urbo presents a trustworthy and professional digital presence consistent with a modern financial institution.

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

3 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 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching medbank.lt

This scan found 18 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

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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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
75
Security headers
60
Email security
85
DNS health
75
Network security
100
GDPR outside view
68
Average
77

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

Urbo positions itself as a medium-sized Lithuanian bank targeting both private and business customers with a broad portfolio of financial products. The business model focuses on retail and corporate banking services, including loans, deposits, payments, and insurance. The bank leverages digital channels extensively, including internet banking and online loan applications, indicating a digital-first approach. Their market position is that of a new entrant (founded 2023) aiming to capture market share through comprehensive service offerings and digital convenience. The presence of an API platform suggests openness to fintech partnerships and innovation. The company maintains active social media channels and uses established marketing and analytics tools, supporting growth and customer engagement strategies. No parent or subsidiary companies are identified, indicating independent operation. The bank's transparent domain registration and consistent branding reinforce credibility.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and a robust SSL configuration. Security headers such as Strict-Transport-Security, Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options are present, enhancing protection against common web attacks. The use of Cloudflare provides additional DDoS mitigation and CDN benefits. No sensitive data or credentials are exposed in the HTML content. The cookie consent mechanism aligns with GDPR requirements. However, the absence of a published security policy or incident response contact information limits transparency and preparedness perception. There is no evidence of a vulnerability disclosure program or security certifications. The integration of third-party scripts (Google Tag Manager, Facebook Pixel) is standard but requires ongoing monitoring for vulnerabilities. Overall, the security posture is strong but could be enhanced by publishing explicit security governance documents and incident response procedures.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure policy to encourage responsible reporting.
  4. Regularly review and audit third-party scripts and dependencies for security risks.
  5. Enhance transparency by listing any security certifications or compliance attestations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Urbo
Description
Banko paslaugos privatiems ir verslo klientams
Key services
Housing loans, Consumer loans, Business loans, Deposits, Payment services, Insurance, Digital banking
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Alpine.js, Livewire, Cloudflare, Google Tag Manager, Facebook Pixel
Frameworks
Livewire, Alpine.js
Platforms
Cloudflare
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Cloudflare for DDoS protection and CDN
  • Cookie consent banner
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics (via Google Tag Manager), Cloudflare Insights, Facebook Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Tracking pixels
Facebook Pixel, Cloudflare Insights
Marketing tools
Facebook Pixel
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 blocking or WAF challenge.
  2. Content is primarily in Lithuanian with English alternate language available.
  3. Comprehensive banking services offered for private and business clients.
  4. Multiple external trusted domains used for analytics and marketing.
  5. Cookie consent and privacy policies are present and accessible.
  6. No explicit security policy or incident response information found.
  7. WHOIS data is consistent and domain is relatively new but appropriate.
  8. Website uses modern frontend technologies and Cloudflare for hosting and security.
Technical notes

Notes

The website uses a modern technology stack including Alpine.js for reactive UI components and Livewire for server-driven frontend interactions, indicating a contemporary approach to web development. Hosting and DNS are managed via Cloudflare, providing performance optimization and security benefits. The site includes Google Tag Manager and Facebook Pixel for analytics and marketing, reflecting integration with major digital marketing platforms. Performance is moderate with good mobile optimization and accessibility features such as keyboard navigation and accessibility menus. SEO is supported by proper meta tags, Open Graph data, and JSON-LD structured data. The site uses a cookie consent banner compliant with GDPR. There is no detected CMS, suggesting a custom or framework-based implementation. Overall, the technical infrastructure is solid with opportunities to improve performance monitoring and security documentation.
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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