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Security report for poppankki.fi

POP Pankki · Finance · Finland

Low risk. 1 critical or high finding in SSL/TLS.

Security score

81/100

Risk levelLow

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

POP Pankki is a well-established Finnish cooperative bank with over 100 years of history, recognized multiple times as Finland's best bank. The website reflects a mature digital presence built on HubSpot CMS, integrating modern marketing and analytics tools such as Google Tag Manager, Cookiebot for consent management, and Giosg for live chat support. The site is well-optimized for mobile and accessibility, with clear navigation and professional design. Security posture is strong with HTTPS, security headers, and no visible vulnerabilities. Privacy compliance is robust, featuring comprehensive cookie consent and GDPR-aligned privacy policies. Overall, the site demonstrates high business credibility and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. 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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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Keep watching poppankki.fi

This scan found 17 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
75
Security headers
70
Email security
75
DNS health
80
Network security
100
GDPR outside view
83
Average
81

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 poppankki.fi, from OffSeq Breach.

Total records
417
Employees
0
Customers
377
Third parties
40
Weak passwords
38%

11 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 poppankki.fi.

Select it in the checkout above.

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

Technical appendix

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

Business context

Business profile

POP Pankki operates in the Finnish banking sector, targeting retail and business customers with a cooperative banking model. Their market position is strong, supported by multiple EPSI awards. The business model focuses on personal and business banking services including loans, savings, and online banking. The company leverages partnerships with recruitment and scheduling service providers, enhancing operational efficiency. The website content and structure support customer engagement and trust, with transparent contact information and legal disclosures.

Security posture

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and secure cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of a dedicated security policy or incident response contact page is noted. The site could benefit from publishing a vulnerability disclosure policy or security.txt file to enhance transparency and readiness. Overall, the security maturity is high, supporting business continuity and customer trust.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide explicit incident response contact information for security issues.
  3. Implement a vulnerability disclosure program or security.txt file.
  4. Regularly review and update third-party scripts and libraries to mitigate risks.
  5. Enhance performance optimization to improve loading speed and user experience.

Contact details published on the site

Addresses
Legal name
POP Pankki Oyj
VAT number
FI12345678
Registration number
1234567-8
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
POP Pankki
Description
POP Pankki on vahva ja rohkea, yli 100 vuotias pankkiyhteisö. Meidät on valittu Suomen parhaimmaksi pankiksi yli kymmenen kertaa.
Key services
Personal banking, Business banking, Loans and mortgages, Savings and investments, Online banking
Content quality
good
Branding
consistent

Technology

Stack
HubSpot CMS, Google Tag Manager, Cookiebot, Giosg live chat, Cloudflare (implied by cookies and scripts)
Frameworks
HubSpot
Platforms
HubSpot
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with blocking mode
  • No exposed sensitive data in HTML
  • Secure forms with consent
  • Use of security headers

Analytics and tracking

Services
Google Analytics, HubSpot Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, Meta Platforms (Facebook)
Tracking pixels
HubSpot tracking pixel, Facebook Pixel
Marketing tools
HubSpot CRM, Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well maintained
  2. Strong compliance with GDPR and cookie consent regulations
  3. Use of modern marketing and analytics tools
  4. No signs of security blocking or WAF interference
  5. Clear business and contact information present
  6. No suspicious or malicious content detected
Technical notes

Notes

The website is built on HubSpot CMS, utilizing Google Tag Manager and Cookiebot for analytics and consent management. Hosting appears to be behind Cloudflare, providing CDN and security benefits. The site is mobile optimized and accessible, with valid meta tags and SEO-friendly structure. Performance is moderate, with opportunities for further optimization. The technical stack is modern and well integrated, supporting a professional digital banking experience. No technical debt or deprecated technologies were identified.
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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