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Security report for raiffeisen.sk

Raiffeisen banka · Finance · Slovakia

High risk. 21 critical or high findings in GDPR outside view, Network security and 3 other checks.

Security score

49/100

Risk levelHigh

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

Raiffeisen banka is a well-established Slovak financial institution with over 130 years of tradition, operating as a branch of Tatra banka. The website presents a professional and customer-centric banking service offering personal accounts, loans, savings, and pension products. The digital infrastructure leverages modern web technologies including jQuery, Bootstrap, and Google Tag Manager, ensuring a responsive and user-friendly experience. Security posture is strong with HTTPS enforcement, CSRF protection, and privacy compliance, although explicit security policies and incident response contacts are not publicly disclosed. Overall, the site reflects a mature digital presence aligned with industry standards and regulatory requirements.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

21 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

  2. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: Telnet

      Port 23 (Telnet) is publicly accessible - Telnet - Unencrypted remote access

      What to do: Immediately restrict access to Telnet using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: SMB

      Port 445 (SMB) is publicly accessible - SMB - Windows file sharing, high risk

      What to do: Immediately restrict access to SMB using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: MSSQL

      Port 1433 (MSSQL) is publicly accessible - MSSQL - Database server

      What to do: Immediately restrict access to MSSQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: Oracle

      Port 1521 (Oracle) is publicly accessible - Oracle - Database server

      What to do: Immediately restrict access to Oracle using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching raiffeisen.sk

This scan found 35 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
82
Security headers
60
Email security
65
DNS health
70
Network security
0
GDPR outside view
25
Average
50
After the cap
49

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 · found on this site
  • 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 targets retail customers in Slovakia, emphasizing customer satisfaction and convenience through online account opening, internet banking, and mobile applications. Its market position is reinforced by its affiliation with Tatra banka, a major Slovak banking group. The website content and navigation are clear, supporting customer engagement and trust. Marketing and analytics tools are used responsibly with consent mechanisms. The absence of publicly disclosed security policies and vulnerability disclosure programs suggests areas for improvement in transparency and security culture.

Security posture

The website demonstrates a solid security foundation with HTTPS, security headers, and CSRF tokens. Use of reputable third-party analytics and marketing tools is balanced with privacy compliance. No vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of a published security policy or incident response contact reduces transparency. The bank should consider publishing a vulnerability disclosure policy and enhancing accessibility compliance to strengthen its security posture further.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Enhance accessibility features to meet higher compliance standards.
  4. Regularly review and audit third-party scripts and tracking tools for security risks.
  5. Increase transparency by providing incident response contact information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Raiffeisen banka
Description
Sme banka najspokojnejších klientov s vyše 130-ročnou tradíciou. Náš Parádny účet či pôžičku sme ušili práve pre vás. Vaša spokojnosť je pre nás na prvom mieste.
Key services
Personal accounts, Loans, Savings products, Pension products, Internet banking, Mobile banking
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap, jQuery UI, Moment.js, Slick Carousel, Google Tag Manager, Exponea SDK, Smart App Banner
Frameworks
Bootstrap
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • CSRF token present in meta tag
  • Use of secure cookies (implied)
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager and Exponea with consent mechanisms

Analytics and tracking

Services
Google Tag Manager, Exponea
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Exponea
Marketing tools
Exponea, Smart App Banner
Transparency
basic

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-structured
  2. Strong focus on customer service with multiple contact channels
  3. Use of modern web technologies and tracking tools with consent
  4. Comprehensive legal and privacy documentation available
  5. No signs of malicious or suspicious activity
  6. Social media presence supports brand trust
  7. No explicit security policy or incident response information publicly visible
Technical notes

Notes

The website uses a modern and stable technology stack including jQuery, Bootstrap, and Moment.js, ensuring compatibility and responsiveness. Performance is moderate with standard optimizations. The site is mobile-optimized and includes accessibility considerations, though these could be improved. SEO is supported by proper meta tags and structured data (JSON-LD). Hosting details are not explicit but likely use Cloudflare CDN for performance and security. Overall, the technical implementation supports a reliable and professional user experience with room for modernization and enhanced accessibility.
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

Earlier scans of this domain

  1. 49/100High43 findingsView report
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