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Security report for opbank.ee

OP Corporate Bank plc Eesti filiaal · Finance · Estonia

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

Security score

77/100

Risk levelLow

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

OP Corporate Bank plc Eesti filiaal is the Estonian branch of OP Financial Group, a leading Finnish financial services cooperative with over 120 years of history. The bank focuses on serving large and medium-sized enterprises in Estonia, offering a comprehensive portfolio of financial products including loans, guarantees, letters of credit, leasing, and factoring. The group emphasizes efficient liquidity and risk management solutions for its corporate clients. The website reflects a professional and consistent brand presence with clear contact information and relevant business content. Technically, the site uses modern technologies such as React and Microsoft Application Insights for telemetry, hosted likely on Microsoft Azure. Security posture is strong with HTTPS enforced and no visible vulnerabilities, though some improvements in security headers and explicit security policies are recommended. Privacy compliance is adequate with privacy and cookie policies present, but lacks a cookie consent mechanism. Overall, the site demonstrates a high level of business credibility and digital maturity.

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: LinkedIn

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

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

Keep watching opbank.ee

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.

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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
100
Security headers
95
Email security
85
DNS health
70
Network security
100
GDPR outside view
10
Average
77

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

The company holds a strong market position as a major financial services provider in the Nordic and Baltic region, operating as a cooperative with a dual focus on profitability and social responsibility. Its business model centers on corporate banking services tailored to large and medium enterprises, supported by a broad product suite including financing and risk management. The Estonian branch leverages the parent group's reputation and resources, maintaining consistent branding and professional content. The presence of partner and service domains such as op.fi and client portals indicates a well-integrated ecosystem. Growth indicators include active news updates and strategic content. The company targets institutional and business clients, positioning itself as a reliable financial partner in Estonia.

Security posture

The website exhibits a mature security posture with mandatory HTTPS and use of telemetry tools for monitoring. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of security headers such as Content-Security-Policy and lack of explicit incident response or security policy pages represent areas for improvement. The site does not currently provide a vulnerability disclosure or security.txt file, which could enhance transparency and trust. Privacy policies are comprehensive and GDPR compliant, but the missing cookie consent mechanism is a compliance gap. Overall, the security maturity is good but could be enhanced by adopting additional best practices and formalizing incident response communication.

Recommendations

  1. Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web vulnerabilities.
  2. Publish a dedicated security policy and incident response page to improve transparency and readiness.
  3. Add a cookie consent banner/mechanism to comply fully with GDPR cookie requirements.
  4. Consider publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Regularly audit third-party scripts and telemetry tools to ensure no privacy or security risks.

Contact details published on the site

Addresses
Legal name
OP Corporate Bank plc Eesti filiaal
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
OP Corporate Bank plc Eesti filiaal
Description
OP is a leading Finnish financial services group offering banking, insurance, and asset management services to business, institutional, and private clients. In Estonia, OP operates as a corporate bank serving large and medium-sized enterprises with loans, guarantees, letters of credit, leasing, and factoring solutions. The group emphasizes liquidity management, cash flow and risk management solutions, and short-term working capital financing. OP has a 120-year history as a cooperative enterprise balancing profitability and social responsibility.
Key services
Loans, Guarantees, Letters of credit, Leasing, Factoring, Liquidity management, Cash flow and risk management
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, React, Microsoft Application Insights
Frameworks
React
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Application Insights for telemetry

Analytics and tracking

Services
Microsoft Application Insights
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Application Insights
Marketing tools
Application Insights
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is primarily in Estonian with English version available.
  3. Clear corporate branding and consistent design.
  4. Comprehensive contact information including phone, email, and physical address.
  5. No visible forms collecting personal data on the homepage.
  6. Use of Microsoft Application Insights for telemetry and analytics.
  7. No explicit security or incident response policies found.
  8. Privacy and cookie policies present but cookie consent mechanism missing.
  9. Terms of service clearly linked in footer.
  10. No visible vulnerabilities or exposed sensitive data in HTML.
Technical notes

Notes

The website is built using React and served via a CMS platform identified as Optimizely. It leverages Microsoft Application Insights for telemetry and analytics, indicating integration with Azure cloud services. The site is mobile optimized with responsive design and good navigation clarity. Performance is moderate, with potential for improvement in loading speed. Accessibility features are basic but present. SEO optimization is basic, with meta tags and canonical URLs but no advanced structured data like JSON-LD detected. The technical stack is modern and well-maintained, supporting a professional user experience with room for enhancements in 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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