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Security report for number26.de

N26 SE · Finance · Germany

Medium risk. 6 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

52/100

Risk levelMedium

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

N26 SE operates a leading mobile-first digital banking platform in Germany and Europe, offering a range of financial services including checking accounts, savings, investments, and a mobile telecom service branded as N26 SIM. The company holds a full banking license from BaFin, ensuring regulatory compliance and deposit protection up to 100,000 EUR. The website is professionally designed with excellent content quality and clear navigation, targeting consumers who prefer intuitive, app-based banking solutions. Technically, the site leverages modern web technologies such as React, Contentful CMS, and cloud hosting via AWS CloudFront, with integrated analytics and marketing tools like Datadog and Google Tag Manager. However, a critical security issue is the invalid SSL certificate and lack of modern TLS support, which undermines the security posture. Security headers and policies are well implemented, but SSL/TLS must be fixed to ensure trust and compliance. Privacy and cookie policies are comprehensive and GDPR compliant, with consent mechanisms in place. Overall, the site demonstrates strong business credibility and digital maturity but requires urgent SSL remediation to maintain security and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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

6 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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"

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

Keep watching number26.de

This scan found 15 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
0
Security headers
75
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
52

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 SE is positioned as a disruptive fintech leader in the European banking sector, focusing on mobile banking and digital financial services. Its business model centers on offering free and premium account tiers, investment products, and a flexible telecom service, appealing to tech-savvy consumers and expatriates. The company benefits from regulatory trust via BaFin licensing and deposit insurance, enhancing customer confidence. Partnerships with Bitpanda for crypto services and Vodafone for telecom infrastructure expand its ecosystem. The website content and structure support customer acquisition and education, with extensive FAQs, blog articles, and service comparisons. The presence of affiliate programs and marketing integrations indicates a mature growth strategy. The company targets a large market segment, including individuals, freelancers, and small businesses, with tailored account offerings. Strategic observations include leveraging digital channels for seamless onboarding and cross-selling financial and telecom products.

Security posture

The website exhibits a moderate security maturity level with several best practices implemented, including a robust Content Security Policy, permissions policy, and standard security headers like X-Content-Type-Options and X-XSS-Protection. However, the invalid SSL certificate and absence of TLS 1.2 or higher support represent critical vulnerabilities that could expose users to man-in-the-middle attacks and erode trust. No known vulnerabilities or malware indicators were detected in scripts or libraries. The site uses third-party analytics and marketing scripts with consent mechanisms, aligning with privacy regulations. Incident response and security policy documents are not explicitly linked, which could be improved. Overall, the security posture is adequate but requires immediate SSL/TLS remediation and enhanced transparency on security policies and incident response.

Recommendations

  1. Immediately renew and properly configure the SSL certificate to enable HTTPS with TLS 1.2 or higher.
  2. Enable HSTS with includeSubDomains and preload directives to enforce secure connections.
  3. Implement OCSP stapling to improve SSL certificate validation performance and security.
  4. Publish a dedicated security policy and incident response contact information to enhance transparency.
  5. Regularly audit and update third-party scripts to mitigate potential vulnerabilities and privacy risks.
Technical notes

Notes

The website is built on a modern React framework with server-side rendering and uses Contentful as a headless CMS for content management. Hosting is via AWS CloudFront CDN with Envoy proxy, ensuring scalability and performance. Analytics and monitoring are handled by Datadog RUM and Google Tag Manager, integrated with cookie consent management via OneTrust. The site is mobile-optimized with responsive design and accessibility considerations. However, performance metrics are not provided, and SSL/TLS configuration is currently inadequate, posing a risk to secure communications. The technical stack is mature and supports a high-quality user experience but requires SSL fixes to avoid operational and reputational risks.
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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