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Security report for n26.com

N26 SE · Finance · Germany

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

Security score

80/100

Risk levelLow

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

N26 SE is a leading mobile-first bank headquartered in Germany, operating with a full German banking license and serving over 8 million customers across 24 markets. The company offers a range of financial products including free and premium bank accounts, instant savings linked to the European Central Bank rate, stock and ETF trading, and crypto investment powered by Bitpanda. Their digital-first approach is supported by a modern technology stack including React, Contentful CMS, and AWS hosting, ensuring a seamless and mobile-optimized user experience. Security is a core focus, with BaFin supervision, deposit protection up to €100,000, and advanced payment authentication methods such as 3D Secure and biometric verification. The website demonstrates strong privacy compliance with GDPR-aligned policies and cookie consent management via OneTrust. However, there are areas for improvement such as enabling HSTS, OCSP stapling, DNSSEC, and publishing a security.txt for vulnerability disclosure. Overall, N26 presents a mature digital banking platform with a solid security posture and a high level of trustworthiness in the fintech market.

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. 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  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. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

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

Keep watching n26.com

This scan found 17 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

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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
92
Security headers
75
Email security
70
DNS health
85
Network security
100
GDPR outside view
58
Average
80

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

N26's market positioning as a fully licensed mobile bank gives it a competitive advantage in the European fintech space. Its business model focuses on offering tiered banking plans, investment products, and crypto trading, targeting tech-savvy consumers and small businesses. The company leverages partnerships such as Bitpanda for crypto services and uses affiliate marketing for customer acquisition. The presence of extensive educational content and financial tools supports customer engagement and retention. N26's growth is supported by a strong digital infrastructure and a broad geographic footprint, although it currently operates primarily in Europe with selective global presence. The company maintains a consistent brand image and leverages social media channels effectively to build community and trust.

Security posture

N26 demonstrates a robust security posture with a full banking license under BaFin supervision, ensuring regulatory compliance and customer fund protection. The use of TLS 1.3, strong cipher suites, and biometric authentication enhances transaction security. The domain's SPF and DMARC records are properly configured with a strict reject policy, reducing email spoofing risks. Cookie consent is managed transparently with OneTrust. However, the absence of HSTS, OCSP stapling, DNSSEC, and a security.txt file indicates opportunities to strengthen defense-in-depth and vulnerability management. No direct incident response contacts were found, which could impact timely handling of security events. Overall, the security maturity is high but can be improved by adopting additional best practices and transparency measures.

Recommendations

  1. Enable HTTP Strict Transport Security (HSTS) with includeSubDomains and preload to enforce HTTPS and prevent downgrade attacks.
  2. Implement OCSP stapling to improve SSL certificate revocation checking and reduce latency.
  3. Enable DNSSEC to protect DNS queries from spoofing and cache poisoning.
  4. Publish a security.txt file at the domain root to provide clear vulnerability disclosure and incident response contacts.
  5. Provide explicit incident response contact channels (e.g., security@ or abuse@ emails) on the website or security policy pages.
Technical notes

Notes

The website is built on a modern React framework with Contentful CMS for content management and hosted on AWS infrastructure, ensuring scalability and reliability. Performance is moderate with a page load time of 4 seconds and a large page size (~1.5MB), indicating potential for optimization. Mobile optimization and accessibility are rated excellent, supporting a broad user base. Analytics and marketing tools include Datadog RUM, Google Tag Manager, and adjust.com for tracking and attribution. Cookie consent is managed via OneTrust, reflecting good privacy practices. The SSL configuration is strong with TLS 1.3 support and no known vulnerabilities. DNS records are well configured but lack DNSSEC and CAA records. Overall, the technical infrastructure supports a secure, performant, and user-friendly banking platform with room for further security enhancements.
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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