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Security report for pax-bank.de

Pax-Bank für Kirche und Caritas eG · Finance · Germany

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Pax-Bank für Kirche und Caritas eG is a specialized financial institution serving church and charitable organizations primarily in Germany. The website reflects a professional banking service provider with a clear niche market focus. The digital infrastructure is built on modern web technologies such as Angular and Material Design, with integration of analytics tools like eTracker. The website is mobile optimized and presents a good user experience with consistent branding. Security posture is adequate with HTTPS enforced and cookie consent mechanisms in place, though there is room for improvement in security headers and explicit privacy documentation. Overall, the domain registration data aligns well with the business claims, supporting legitimacy and trustworthiness.

Scanned

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

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Keep watching pax-bank.de

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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
77
Security headers
85
Email security
55
DNS health
65
Network security
100
GDPR outside view
43
Average
71

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 bank operates in a niche market targeting church and non-profit sectors, providing tailored financial services. Its business model revolves around specialized banking products for these sectors, positioning itself as a trusted partner within this community. The website's content and structure indicate a medium-sized enterprise with a focused customer base. The use of proprietary CMS and modern frameworks suggests a commitment to maintaining a contemporary digital presence. The absence of explicit contact details and privacy policies on the main page may indicate these are located elsewhere or require enhancement. The partnership ecosystem is not explicitly visible from the data, but external domains related to content delivery and analytics are used.

Security posture

The website enforces HTTPS and uses Google site verification, indicating basic security hygiene. However, no explicit security headers such as Content-Security-Policy or X-Frame-Options were detected, which could enhance protection against common web attacks. The presence of cookie consent mechanisms aligns with GDPR requirements, but the lack of a visible privacy policy and incident response information suggests gaps in compliance and transparency. No vulnerabilities or exposed sensitive data were identified in the provided content. The security score is moderate, with recommendations to improve header implementation and publish comprehensive security and privacy documentation.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service accessible from the homepage.
  2. Add security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance web security.
  3. Provide explicit contact information including emails and phone numbers for customer and security incident reporting.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Regularly audit and update third-party libraries and analytics tools to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Pax-Bank für Kirche und Caritas eG
Description
Pax-Bank für Kirche und Caritas eG is a bank serving church and charitable organizations, providing financial services tailored to these sectors.
Key services
banking services, financial products for church and charity organizations
Content quality
good
Branding
consistent

Technology

Stack
Angular (indicated by cdk and mat- classes), Material Design Components, JavaScript, CSS, eTracker analytics
Frameworks
Angular
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Google site verification present
  • Cookie consent mechanism implemented

Analytics and tracking

Services
eTracker
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
eTracker
Marketing tools
eTracker
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. No explicit privacy policy or terms of service found in the provided content.
  3. Cookie consent mechanism is present indicating some privacy compliance effort.
  4. No contact emails or phone numbers explicitly found in the truncated HTML content.
  5. Use of modern web technologies and analytics tools detected.
  6. No security headers explicitly detected in the provided data; potential area for improvement.
  7. Business focus is clear and niche, serving church and charitable organizations in Germany.
Technical notes

Notes

The website uses Angular framework with Material Design components, indicating a modern and maintainable front-end architecture. The CMS appears custom-built, suggesting tailored content management capabilities. Performance is moderate with preloading of CSS and module scripts, and mobile optimization is good. Analytics integration via eTracker is present, supporting user behavior insights. However, the absence of detected security headers and limited SEO metadata indicates areas for technical improvement. Hosting provider details are not explicit, and no major technical debt indicators were found in the provided content.
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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