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Security report for rabobank.nl

Rabobank · Finance · Netherlands

Partial score · DNS & email only

55/100

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

Rabobank is a leading Dutch financial institution specializing in retail banking and financial services for individual consumers primarily in the Netherlands. The website serves as a portal for personal banking customers, offering access to various banking products and services. The site uses modern web technologies including StencilJS web components and integrates third-party analytics for user behavior tracking. While the site is professionally designed and mobile optimized, explicit privacy, cookie, and terms of service policies are not evident in the provided content, which may impact compliance and user trust. Security posture is adequate with HTTPS enabled, but lacks visible security headers and published security policies. Overall, the domain registration data aligns well with the business identity, indicating a legitimate and trustworthy online presence.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
Checks completed
6of 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 rabobank.nl

This scan found 11 issues across 5 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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Recommended

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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
0
Email security
90
DNS health
75
Network security
100
GDPR outside view
10
Average
55

Not counted

  • Security headers: did not complete in this scan.
  • 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

Rabobank holds a strong market position in the Dutch banking sector with a focus on retail customers. Its business model revolves around providing comprehensive banking and financial services including savings, loans, mortgages, and investment products. The website targets individual consumers in the Netherlands, reflecting the bank's core customer base. The use of advanced web technologies and analytics indicates a commitment to digital maturity, although there is room for improvement in transparency around privacy and security policies. No suspicious or unrelated domains are linked, reinforcing the bank's focused operational scope.

Security posture

The website demonstrates a baseline security posture with enforced HTTPS and no detected blocking or WAF challenges. However, the absence of key security headers such as Content-Security-Policy and X-Frame-Options reduces defense-in-depth. No vulnerability disclosure or incident response information is publicly available, which could hinder coordinated security improvements and user confidence. The lack of visible privacy and cookie policies also suggests potential compliance gaps with GDPR requirements. Overall, the security maturity is moderate but could be enhanced by adopting best practices and publishing relevant policies.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Provide publicly accessible vulnerability disclosure and incident response contact information.
  4. Add clear contact information including company emails and phone numbers on the website.
  5. Enhance accessibility and SEO metadata to improve user experience and search engine visibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Rabobank
Description
Rabobank is a Dutch multinational banking and financial services company providing retail banking, asset management, leasing, and other financial services primarily in the Netherlands.
Key services
Retail banking, Savings and checking accounts, Loans and mortgages, Investment and asset management, Online banking services
Content quality
basic
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, Web Components
Frameworks
StencilJS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced

Analytics and tracking

Services
Piano Analytics
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Piano Analytics
Marketing tools
Tag Management System
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and targets Dutch retail banking customers.
  2. No explicit privacy, cookie, or terms of service policies found in the provided HTML snippet.
  3. No contact emails or phone numbers explicitly found in the provided content.
  4. Uses modern web components technology (StencilJS).
  5. Includes third-party analytics (Piano Analytics) and tag management.
  6. No security.txt or vulnerability disclosure information found.
  7. SSL is enabled and appears properly configured.
  8. No WAF or blocking mechanisms detected.
  9. Content is safe and appropriate for general audiences.
Technical notes

Notes

The website is built using modern web standards with StencilJS web components, ensuring modularity and reusability. The presence of asynchronous script loading and preconnect hints suggests performance optimization efforts. However, the lack of detailed metadata such as Open Graph or JSON-LD structured data limits SEO effectiveness. The site is mobile optimized with responsive design elements. Hosting and CDN details are not explicit but the use of media.rabobank.com for assets indicates a dedicated media hosting setup. Overall, the technical infrastructure is solid but could benefit from enhanced SEO and accessibility features.
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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