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Security report for mobilnibanka.cz

Komerční banka · Finance · Czech Republic

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

Security score

77/100

Risk levelLow

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

Komerční banka is a leading financial institution in the Czech Republic offering a comprehensive range of banking services including mobile and internet banking, loans, savings, investments, and insurance. The website presents a professional and user-friendly digital platform targeting individual customers, small businesses, and corporate clients. The bank maintains a strong market position with a broad product portfolio and digital engagement. Technically, the website leverages modern web technologies such as Kentico CMS, Google Tag Manager, and personalization tools like Persoo, ensuring good performance, mobile optimization, and accessibility. Security posture is robust with HTTPS enforcement, security headers, and no visible vulnerabilities, although explicit security policies and incident response details are not publicly disclosed. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, the site reflects a mature digital presence with high trustworthiness and professional standards.

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, Twitter, LinkedIn, YouTube, Cloudflare, Google APIs

      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 mobilnibanka.cz

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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
85
Email security
72
DNS health
90
Network security
100
GDPR outside view
40
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

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 mobilnibanka.cz, from OffSeq Breach.

Total records
76
Employees
0
Customers
76
Third parties
0
Weak passwords
37%

2 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 mobilnibanka.cz.

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

Technical appendix

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

Business context

Business profile

Komerční banka operates in the finance sector as an essential enterprise entity. It targets a wide customer base including citizens, entrepreneurs, and large institutions. The business model focuses on retail and corporate banking with digital channels as a key growth driver. The bank's competitive advantage lies in its extensive product range, strong brand, and digital innovation. Revenue streams include account services, loans, credit cards, investments, and insurance products. The partnership ecosystem includes dedicated platforms for career, internet banking, and corporate banking. The website content and structure indicate a well-established market presence and strategic focus on customer experience and digital transformation.

Security posture

The website demonstrates a good security maturity level with HTTPS, security headers, and no exposed sensitive data. However, there is no publicly available security policy or incident response information, which could be improved to enhance transparency and readiness. No vulnerabilities or compliance gaps were detected in the content. The use of third-party scripts is controlled but should be regularly audited. GDPR compliance is evident through privacy and cookie policies. Overall, the security posture is strong but could benefit from more explicit security governance disclosures.

Recommendations

  1. Publish a dedicated security policy and incident response plan on the website.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear contact information for the Data Protection Officer or security team.
  4. Regularly review and audit third-party scripts and tracking tools for security risks.
  5. Enhance transparency on data retention policies and user privacy controls.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Komerční banka
Description
Mobilní bankovnictví, které nabízí vyhledávání nejbližších bankomatů KB, platební příkazy, QR platby, zobrazení transakční historie a řadu dalších služeb.
Key services
Internetové bankovnictví, Mobilní banka, Účty, Karty, Půjčky, Spoření, Investice, Pojištění
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Persoo personalization scripts, Kentico CMS (Kentico.Content.Web.Rcl), Google Fonts (Inter font), Custom CSS and JS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure cookies
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Persoo
Marketing tools
Persoo personalization
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
  2. Content is comprehensive and relevant to banking customers
  3. Strong presence of privacy and cookie policies with consent mechanisms
  4. No WHOIS data available, likely due to privacy protection
  5. No signs of phishing, malware, or suspicious activity
  6. Use of modern web technologies and tracking tools
  7. Good mobile optimization and accessibility features
Technical notes

Notes

The website is built on the Kentico CMS platform with integration of Google Tag Manager and Persoo personalization scripts. It uses modern web fonts and responsive design techniques ensuring good mobile optimization and accessibility. Performance is moderate with room for optimization. The technical implementation follows best practices in SEO and metadata usage. No critical technical debt or risks were identified, but continuous monitoring and updates are recommended to maintain security and performance standards.
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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