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Security report for nordea.fi

Nordea Bank Oyj · Finance · Finland

Medium risk. 5 critical or high findings in GDPR outside view.

Security score

73/100

Risk levelMedium

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

Nordea Bank Oyj is the largest bank in the Nordic region, offering a comprehensive range of banking and financial services to private individuals and businesses. Their website provides extensive information on retail banking, loans, investments, insurance, and digital banking services, supporting multiple languages to cater to their diverse customer base. The company maintains a strong market position with a focus on digital accessibility and customer service excellence. Technically, the website is built on a custom CMS framework (dotXX2017) with modern web technologies, optimized for performance and mobile use. Security is robust, featuring HTTPS, security headers, and secure login mechanisms including multi-factor authentication via the Nordea ID app. Privacy compliance is well addressed with clear policies and cookie consent mechanisms. Overall, the site reflects a mature digital infrastructure and a high level of professionalism, trustworthiness, and regulatory compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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. 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

      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

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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Keep watching nordea.fi

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.

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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
90
Security headers
80
Email security
65
DNS health
90
Network security
100
GDPR outside view
10
Average
73

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

Nordea operates as a major financial institution in Finland and the broader Nordic market, targeting both retail and corporate customers. Their business model revolves around providing banking, lending, investment, and insurance products, supported by digital channels. The company leverages partnerships, such as with If Insurance and Finnish Police for fraud reporting, enhancing service breadth and customer trust. The website's comprehensive content and clear navigation indicate a customer-centric approach, with tools and calculators to assist financial decision-making. Nordea's digital maturity is evident in their use of advanced tag management and personalization tools, positioning them competitively in the digital banking space.

Security posture

The website demonstrates a strong security posture with enforced HTTPS, modern security headers, and secure authentication methods. No vulnerabilities or exposed sensitive data were detected in the analyzed content. However, explicit public security policies and incident response contacts are not prominently published, which could enhance transparency and customer confidence. The presence of cookie consent and GDPR-compliant privacy policies indicates good regulatory adherence. Recommendations include publishing a dedicated security policy, incident response information, and a vulnerability disclosure program to further strengthen security culture and trust.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact channels for security issues and abuse reporting.
  3. Implement and publicize a vulnerability disclosure or security.txt file to encourage responsible reporting.
  4. Regularly review and audit third-party scripts and tags to mitigate supply chain risks.
  5. Enhance customer education on security best practices, phishing, and fraud prevention.

Contact details published on the site

Addresses
Legal name
Nordea Bank Oyj
VAT number
FI28583949
Registration number
2858394-9
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Nordea Bank Oyj
Description
Nordea on Pohjoismaiden suurin pankki. Tarjoamme kattavat pankkipalvelut ja palvelemme digitaalisesti missä ja milloin tahansa. Tervetuloa asiakkaaksi!
Key services
Retail banking, Corporate banking, Private banking, Loans and credits, Savings and investments, Insurance services, Digital banking services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, SVG, Web fonts (woff2), Tealium (tag management), Adobe Target, Google site verification, Apple iTunes app meta, Progressive Web App manifest
Frameworks
dotXX2017 (custom CMS framework)
Platforms
Web, Mobile (via mobile banking apps)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure login portals with multi-factor authentication (Nordea ID app)
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of nonce attributes in scripts

Analytics and tracking

Services
Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Tealium
Marketing tools
Adobe Target, Tealium Tag Manager
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. Comprehensive banking services and customer support information available.
  3. Strong security posture with HTTPS and security headers.
  4. Good privacy and cookie policy presence with consent mechanisms.
  5. Multiple language support (Finnish, Swedish, English).
  6. Active social media presence on Facebook, LinkedIn, Twitter, and YouTube.
  7. No signs of suspicious or malicious content.
  8. No WAF or blocking detected; full content accessible.
Technical notes

Notes

The website is built on a proprietary CMS framework (dotXX2017) and uses modern web standards including SVG graphics, web fonts, and asynchronous JavaScript loading. Tag management is handled via Tealium, and personalization via Adobe Target, indicating advanced marketing and analytics capabilities. The site is optimized for mobile devices and accessibility, with proper meta tags and SEO considerations. Hosting appears to be managed internally by Nordea, ensuring control over infrastructure. Performance is fast with minimal blocking scripts. Technical risks are low, but continuous monitoring of third-party dependencies is advised to prevent vulnerabilities.
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

Earlier scans of this domain

  1. 78/100 +3Low25 findingsView report
  2. 75/100Medium22 findingsView report
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