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Security report for mystate.com.au

MyState Bank · Finance · Australia

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

78/100

Risk levelLow

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

MyState Bank is an Australian financial institution providing retail banking services including home loans, insurance, savings accounts, and term deposits. The bank positions itself as a customer-centric organization blending technology with personal service. The website reflects a medium-sized enterprise with a consistent brand and professional digital presence. Technically, the site is built on WordPress with a modern theme and integrates multiple analytics and marketing tools, hosted on AWS infrastructure. Security posture is good with HTTPS enabled, but lacks some advanced security headers and published security policies. Privacy compliance is limited due to absence of visible privacy and cookie policies. Overall, the site is trustworthy and professionally maintained but could improve transparency and security practices.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

  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 mystate.com.au

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

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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
62
Security headers
95
Email security
75
DNS health
80
Network security
100
GDPR outside view
58
Average
78

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

MyState Bank operates in the Australian finance sector targeting general retail customers. Its business model focuses on traditional banking products enhanced with digital tools. The company leverages social media and digital marketing extensively. The domain registration and hosting align with its Australian market focus. The absence of explicit privacy and security policies suggests room for compliance improvement. The bank's market position appears stable with a clear brand identity and customer engagement through multiple channels.

Security posture

The website employs HTTPS and uses reputable analytics and marketing services. However, it lacks DNSSEC and security headers such as Content-Security-Policy and X-Frame-Options, which are recommended for enhanced protection. No vulnerability disclosures or incident response contacts are published, limiting transparency. No exposed sensitive data or vulnerable libraries were detected in the provided content. Security score is moderate with recommendations to enable DNSSEC, add security headers, and publish security policies to improve trust and compliance.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  4. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  5. Provide clear contact information for security incidents and data protection officer.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
MyState Bank
Description
We're a bank that does both numbers & feelings, with smart tech and people that care. Our customers are human and that’s how we treat them.
Key services
Banking services, Home loans, Insurance, Savings accounts, Term deposits
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics, Microsoft Clarity, Bing Ads, Facebook Pixel, Optimizely, Yoast SEO, WordPress, BeTheme
Frameworks
WordPress
Platforms
AWS (DNS via AWS Route53)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • No DNSSEC
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager and analytics scripts asynchronously

Analytics and tracking

Services
Google Analytics, Microsoft Clarity
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google Ads, Bing Ads, Facebook Ads
Tracking pixels
Microsoft Clarity, Facebook Pixel
Marketing tools
Optimizely
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and maintained using WordPress CMS with BeTheme.
  2. Strong use of analytics and marketing tools indicating active digital marketing.
  3. No explicit privacy or cookie policies found in the provided content.
  4. No visible contact emails or phone numbers in the HTML content provided.
  5. No security.txt or vulnerability disclosure information found.
  6. WHOIS data shows domain is registered via a proxy registrar service common in Australia.
  7. No WAF or blocking mechanisms detected; content fully accessible.
  8. Social media presence is established with Facebook, Instagram, LinkedIn, and YouTube links.
Technical notes

Notes

The website uses WordPress CMS with the BeTheme theme, hosted on AWS infrastructure as inferred from DNS nameservers. It integrates multiple third-party analytics and marketing tools such as Google Analytics, Microsoft Clarity, Bing Ads, Facebook Pixel, and Optimizely for A/B testing. The site is mobile optimized and SEO friendly with proper meta tags and structured data. Performance is moderate with asynchronous loading of scripts. Accessibility is basic but could be improved. No critical technical issues were found in the HTML content.
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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