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Security report for nordea.fi

Nordea Bank Oyj · Finance · Finland

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

Nordea Bank Oyj operates as the largest bank in the Nordic region, providing comprehensive personal banking services in Finland through its website www.nordea.fi. The site offers a wide range of financial products including accounts, loans, payment cards, savings, investments, and insurance, all accessible via modern digital platforms. Nordea targets private individuals seeking reliable and accessible banking solutions with a strong emphasis on digital convenience and security. Technically, the website is built on a custom CMS framework (dotXX2017), leveraging modern web technologies and optimized for mobile and accessibility. Security posture is strong with HTTPS enforcement, secure login portals, and cookie consent mechanisms, though explicit security headers could be more visible. The domain registration data aligns well with the business identity, confirming legitimacy and trustworthiness. Overall, the site demonstrates a high level of professionalism, user experience, and compliance with privacy regulations.

Scanned

This is an earlier scan of nordea.fi. View the latest report

NIS2 and GDPR posture

GDPR outside view
43/ 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

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.

    • 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

  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 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
72
Security headers
80
Email security
80
DNS health
90
Network security
100
GDPR outside view
43
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

Nordea holds a dominant market position in Nordic banking, leveraging a broad portfolio of financial services tailored to personal customers. The business model focuses on retail banking with digital service delivery, supported by partnerships such as with If insurance. Revenue streams likely include interest income, fees from loans and cards, and investment services. The website content and structure indicate a mature digital presence aimed at enhancing customer engagement and retention. Nordea's extensive service ecosystem and clear branding reinforce its competitive advantage. The company maintains active social media channels and provides transparent customer support and legal information, reflecting a customer-centric approach.

Security posture

The website exhibits a mature security posture with mandatory HTTPS, secure authentication methods (Nordea ID app), and cookie consent compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, explicit security headers like Content-Security-Policy and X-Frame-Options are not clearly visible in the provided data and should be verified. Incident response and security policy pages are not publicly evident, which could be improved for transparency. Overall, the security measures align with industry best practices for a financial institution, supporting customer trust and regulatory compliance.

Recommendations

  1. Publish explicit security policy and incident response information on the website to enhance transparency.
  2. Ensure and verify the presence of comprehensive security headers such as Content-Security-Policy and X-Frame-Options.
  3. Maintain regular vulnerability assessments and update third-party scripts to mitigate risks.
  4. Enhance privacy compliance by clearly detailing data retention policies and user rights.
  5. Continue investing in mobile optimization and accessibility to maintain excellent user experience.

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
bank accounts, loans and credits, payment and card services, savings and investments, insurance services, digital banking platforms
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, woff2 fonts, cookie consent scripts, tag management (Tealium utag.js)
Frameworks
dotXX2017 (custom CMS/framework)
Platforms
web
Performance
moderate
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

Analytics and tracking

Services
Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Tealium
Marketing tools
cookie consent management
Transparency
basic

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 targeted to Finnish personal banking customers.
  3. Strong presence of privacy and cookie policies with consent mechanisms.
  4. Secure login portals for personal and corporate banking are provided.
  5. Social media presence is active and linked from the site.
  6. No signs of suspicious or malicious content.
  7. No critical security issues detected in the HTML content.
Technical notes

Notes

The website is built on a proprietary CMS framework (dotXX2017) with modern front-end technologies including JavaScript, CSS, and WOFF2 fonts. It uses tag management via Tealium for analytics and tracking, and includes cookie consent scripts for GDPR compliance. Hosting appears to be managed internally or via trusted providers with domain names under Nordea's control. Performance is moderate with good mobile responsiveness and accessibility features. SEO is well addressed with proper meta tags and Open Graph data. Opportunities exist to further optimize performance and explicitly document technical security controls.
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. 73/100 −2Medium25 findingsView report
  2. 75/100Medium22 findingsView report
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