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Security report for otpbank.hu

OTP Bank · Finance · Hungary

High risk. 6 critical or high findings in GDPR outside view and SSL/TLS.

Security score

46/100

Risk levelHigh

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

OTP Bank is a leading Hungarian financial institution with a strong regional presence in Central and Eastern Europe. Founded in 1949, it offers a comprehensive range of banking services including retail and corporate banking, loans, savings, insurance, and digital banking solutions. The website reflects a mature and professional digital presence with excellent content quality, clear navigation, and strong branding consistency. The bank leverages modern web technologies such as Vue.js and integrates multiple analytics and marketing tools to enhance user experience and business intelligence. From a technical perspective, the website employs robust security headers and content security policies, but suffers from critical SSL/TLS configuration issues including an invalid SSL certificate and lack of modern TLS protocol support. These issues significantly impact the security posture score and should be addressed promptly to ensure secure communications and user trust. Privacy compliance is well handled with clear GDPR-aligned privacy and cookie policies, supported by a consent mechanism. Overall, OTP Bank's website demonstrates high business credibility and professionalism, with comprehensive contact information and trust indicators such as awards and certifications. The domain registration data aligns well with the business history and legitimacy. Strategic improvements in SSL/TLS configuration and ongoing security audits are recommended to enhance the security posture and maintain customer confidence.

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

    • 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

  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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

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

Keep watching otpbank.hu

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
75
Email security
50
DNS health
50
Network security
100
GDPR outside view
0
Average
46

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention otpbank.hu, from OffSeq Breach.

Total records
92,066
Employees
26
Customers
91,903
Third parties
137
Weak passwords
44%

Latest record dated 2026-06-17 · 57 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for otpbank.hu.

Select it in the checkout above.

Masked preview

  • –ospa.otpbank.hu2026-06-17
  • –oa.otpbank.hu2026-06-07
  • –oa.otpbank.hu2026-05-27
  • –ospa.otpbank.hu2026-04-25
  • –oa.otpbank.hu2026-04-25

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Open in Breach(opens in a new tab)Monitor on Breach(opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

OTP Bank holds a dominant market position in Hungary and the wider Central and Eastern European region, supported by a diversified portfolio of financial products and services. The bank's business model focuses on both retail and corporate clients, offering loans, savings products, insurance, and digital banking platforms. The presence of multiple subsidiaries and partner domains indicates a broad operational ecosystem. The bank's awards for sustainability and innovation highlight its competitive advantages and commitment to ESG principles. The website's extensive use of analytics and marketing tools suggests a data-driven approach to customer engagement and growth. The clear segmentation of services and detailed product information cater effectively to target customer segments, supporting customer acquisition and retention strategies.

Security posture

The website implements several security best practices including strict transport security (HSTS), content security policy (CSP), X-Frame-Options, and X-XSS-Protection headers. Cookies are set with Secure and HttpOnly flags, enhancing session security. However, the SSL certificate is invalid or missing, and no TLS protocols are enabled, which is a critical security flaw that undermines the confidentiality and integrity of data in transit. The absence of OCSP stapling and session resumption further reduces SSL/TLS efficiency and security. No evidence of incident response or vulnerability disclosure policies was found. Overall, the security posture is moderate but requires urgent remediation of SSL/TLS issues to meet industry standards and regulatory compliance.

Recommendations

  1. Immediately renew and properly configure the SSL certificate to ensure HTTPS is fully functional and trusted.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and disable deprecated protocols to improve security and compatibility.
  3. Implement OCSP stapling and session resumption to enhance SSL/TLS performance and security.
  4. Publish a clear security policy and incident response contact information to improve transparency and readiness.
  5. Regularly audit third-party scripts and libraries to avoid vulnerabilities and ensure compliance with privacy regulations.

Contact details published on the site

Addresses
Legal name
OTP Bank
Technical notes

Notes

The website uses a modern frontend framework (Vue.js) and integrates multiple third-party services including Google Tag Manager, Google Analytics, Hotjar, and various social media pixels for marketing and analytics. The content is well structured with JSON-LD structured data for SEO and rich snippets. The site is mobile optimized and accessible with ARIA labels and responsive design. However, performance metrics were not available, and the SSL/TLS configuration is severely lacking, which poses a risk to secure operations. The hosting provider is not explicitly identified, but the use of cloudfunctions.net and azurewebsites.net domains suggests cloud-based hosting. The site employs a custom CMS or proprietary platform. Overall, the technical infrastructure is modern but requires improvements in security configuration and performance monitoring.
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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