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Security report for netbanking.mk

Sparkasse Banka · Finance · North Macedonia

Low risk. 5 critical or high findings in Email security, GDPR outside view and 1 other check.

Security score

76/100

Risk levelLow

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

The website netbanking.mk serves as the online banking portal for Sparkasse Banka Macedonia, providing retail and corporate banking services primarily to Macedonian customers. The site targets both individual and legal entity clients with dedicated login links. The business is well established with a domain age of over a decade, consistent with the bank's market presence. The website content is primarily in Macedonian with options for English and Albanian, reflecting the regional audience. The site branding aligns with the official Sparkasse Banka identity, reinforcing trust. Technically, the site uses Bootstrap 3.4.0 and jQuery 3.4.0, indicating a somewhat dated but functional technology stack. The site is moderately optimized for mobile and accessibility but lacks advanced SEO and modern performance enhancements. No CMS or hosting provider details are evident. The site does not include analytics or tracking scripts, suggesting minimal user tracking. From a security perspective, the site uses HTTPS as implied by links but lacks visible security headers and explicit privacy or cookie policies, which are critical for compliance and user trust. No vulnerability disclosure or security contact information is provided, limiting transparency. The absence of forms in the provided HTML reduces attack surface but also limits data collection insights. Overall, the security posture is moderate but could be improved with standard best practices. The overall risk is moderate with no critical issues detected. Strategic improvements in privacy compliance, security headers, and transparency would enhance trust and regulatory adherence. The site is safe for general audiences with no adult or questionable content detected.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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

5 findings rated critical or high. Fix these first.

  1. 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.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  2. GDPR outside view

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

    • 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

      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

  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 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 netbanking.mk

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

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

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Full report

€39.90one-time

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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
95
Email security
60
DNS health
75
Network security
100
GDPR outside view
50
Average
76

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

Sparkasse Banka Macedonia operates in the finance sector, focusing on retail and corporate banking services. The bank leverages its established brand and domain to serve Macedonian customers with online banking capabilities. The business model centers on providing secure digital access to banking products for individuals and businesses. Market positioning is stable with a recognized brand in the region. The partnership with the main Sparkasse brand is evident and strengthens credibility. Revenue streams likely include traditional banking fees and digital service charges. The target customer segments include local residents and legal entities requiring banking services. Growth indicators are not explicit but the decade-long domain age suggests sustained operations. The partnership ecosystem includes the main Sparkasse website and possibly other financial service providers. Strategic observations highlight the need for enhanced digital maturity and compliance to maintain competitive advantage.

Security posture

The current security maturity level is moderate. The site uses HTTPS but lacks critical security headers such as Content Security Policy, HSTS, and X-Frame-Options. No explicit privacy or cookie policies are present, indicating compliance gaps with GDPR and related regulations. The absence of a vulnerability disclosure policy or security contact reduces transparency and incident response readiness. No exposed sensitive data or vulnerable libraries were detected in the provided content. The site does not appear to use modern security frameworks or automated protections. Overall, the security culture appears basic with room for improvement in policy communication and technical safeguards. Business impact of these gaps includes potential regulatory risk and reduced user trust.

Recommendations

  1. Implement comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Add standard security headers including CSP, HSTS, X-Content-Type-Options, and X-Frame-Options.
  3. Publish a vulnerability disclosure policy and provide a dedicated security contact email.
  4. Upgrade technology stack to more current versions and improve mobile responsiveness and accessibility.
  5. Enhance transparency and trust signals by adding certifications, customer testimonials, and detailed contact information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Banka
Description
AssecoSEE Corporate Web banking
Key services
Online banking for physical persons, Online banking for legal entities
Content quality
basic
Branding
moderate

Technology

Stack
jQuery 3.4.0, Bootstrap 3.4.0
Frameworks
Bootstrap
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
55/100
Good practices seen
  • HTTPS usage implied by links (https://)
  • No visible exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate

Key observations

  1. Website is a legitimate online banking portal for Sparkasse Banka Macedonia
  2. No privacy or cookie policies found which is a compliance gap
  3. Limited security headers and no explicit security disclosures
  4. Basic technical implementation with older Bootstrap and jQuery versions
  5. No analytics or tracking scripts detected
  6. Contact information is present but limited to email and phone
  7. No forms detected in the HTML content provided
  8. Content is primarily in Macedonian with language options for English and Albanian
  9. No social media links found
  10. No advertising or marketing scripts detected
Technical notes

Notes

The website is built using Bootstrap 3.4.0 and jQuery 3.4.0, which are stable but outdated technologies. The HTML structure is valid and includes meta tags for viewport and description but lacks Open Graph or JSON-LD structured data. No CMS or hosting provider information is evident. Performance is moderate with no explicit optimization scripts or lazy loading. Mobile optimization is basic with responsive Bootstrap grid usage but limited advanced features. Accessibility features are minimal with no ARIA roles or landmarks detected. SEO optimization is basic with meta description but no rich snippets or social media metadata. Technical risks include potential vulnerabilities from outdated libraries and lack of security headers. Modernization opportunities include upgrading frameworks, adding structured data, and improving accessibility and SEO.
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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