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Security report for oberbank.at

Oberbank AG · Finance · Austria

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

53/100

Risk levelMedium

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

Oberbank AG is a well-established regional bank operating primarily in Austria and neighboring countries, offering a broad range of financial services including retail banking, corporate banking, savings, investments, financing, and online/mobile payment solutions. The website reflects a mature digital presence with comprehensive content tailored to private and corporate customers, supported by a modern technology stack based on Liferay and JavaServer Faces. The site demonstrates strong privacy compliance with detailed cookie consent mechanisms and GDPR-aligned privacy policies. However, the security posture is weakened by an invalid or missing SSL certificate and lack of TLS protocol support, which poses significant risks to secure communications. No explicit security or incident response policies are published, indicating room for improvement in transparency and readiness. Overall, the site is professional and trustworthy but requires urgent remediation of SSL issues to ensure secure user interactions.

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

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

    • 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

    • 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

  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

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

Keep watching oberbank.at

This scan found 14 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
85
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
53

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

Oberbank positions itself as a customer-centric financial institution with a focus on personalized banking services, evidenced by customer testimonials and awards such as the Recommender Award 2024. The business model centers on retail and corporate banking with digital service offerings including online banking portals and mobile payments. The website integrates multiple trusted partners for analytics, customer feedback, and marketing, indicating a robust partnership ecosystem. The domain registration and DNS records are consistent with the business claims, reinforcing legitimacy. The bank targets a broad audience including private customers, students, and corporate clients, with clear navigation to various banking products and services. The presence of career and job offer sections suggests ongoing growth and recruitment efforts.

Security posture

The website implements several security best practices such as HttpOnly and Secure cookies with SameSite attributes, a restrictive Content Security Policy, and security headers like X-XSS-Protection and X-Frame-Options. However, the critical failure of having an invalid SSL certificate and no enabled TLS protocols severely undermines the security posture, exposing users to potential interception and trust issues. The absence of OCSP stapling and session resumption mechanisms further limits security robustness. No public incident response or vulnerability disclosure information is available, which could hinder effective security incident management and transparency. The site should prioritize fixing SSL/TLS configurations and publishing security policies to enhance trust and compliance.

Recommendations

  1. Urgently renew or fix the SSL certificate and enable TLS 1.2 or higher to secure all communications.
  2. Implement OCSP stapling and enable session resumption to improve SSL performance and security.
  3. Publish clear security policies and incident response procedures on the website to increase transparency.
  4. Add a security.txt file to facilitate responsible vulnerability disclosure.
  5. Continue maintaining and enhancing privacy compliance and cookie consent mechanisms to align with evolving regulations.
Technical notes

Notes

The website is built on a modern and scalable platform using Liferay CMS and JavaServer Faces, integrating various third-party services for analytics, marketing, and user engagement. The site is mobile optimized with good accessibility and SEO practices. Performance is moderate, with room for improvement in load times and resource optimization. The use of multiple external domains for fonts, maps, and media is well controlled via Content Security Policy. However, the lack of a valid SSL certificate and disabled TLS protocols represent significant technical debt and risk. Addressing these issues will improve both security and user trust. The site architecture supports a rich user experience with interactive elements such as credit calculators and job tickers.
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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