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Security report for saastopankki.fi

Säästöpankki · Finance · Finland

Low risk. 2 critical or high findings in Security headers.

Security score

81/100

Risk levelLow

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

Säästöpankki is a Finnish savings bank offering retail banking and financial services to Finnish customers. The website presents a professional image with a clear focus on banking services, financial advice, and customer support. The site targets Finnish-speaking users primarily but offers alternate language versions. The business model centers on traditional banking with digital customer engagement. Technically, the site uses modern web technologies including Google Tag Manager and Cookiebot for analytics and cookie consent management. The site is mobile-optimized and SEO-friendly, though accessibility is basic. Security posture is strong with HTTPS enforced and CSRF protections, but could benefit from additional security headers and published security policies. Privacy compliance is well addressed with a comprehensive cookie consent mechanism and GDPR-aligned privacy policy. No critical vulnerabilities or blocking mechanisms were detected, indicating a trustworthy and legitimate online presence for a financial institution.

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

2 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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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
100
Security headers
35
Email security
85
DNS health
85
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 saastopankki.fi, from OffSeq Breach.

Total records
539
Employees
0
Customers
490
Third parties
49
Weak passwords
45%

14 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 saastopankki.fi.

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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

The bank holds a strong market position in Finland's financial sector, focusing on savings and retail banking. Its use of multiple analytics and marketing tools suggests a data-driven approach to customer engagement and marketing. The absence of direct contact information in the analyzed HTML may indicate contact details are located deeper in the site or behind forms. The partnership ecosystem includes major platforms like Google, Facebook, LinkedIn, and Spotify for marketing and analytics. The business model relies on trust, compliance, and customer service excellence. Growth indicators include multi-language support and advanced cookie consent management, reflecting attention to regulatory compliance and user experience.

Security posture

The website demonstrates a mature security posture with HTTPS, CSRF token usage, and cookie consent mechanisms. However, security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection are not evident and should be implemented to enhance protection against common web attacks. No security.txt or incident response contacts were found, which are recommended for transparency and vulnerability management. The extensive use of third-party analytics and marketing cookies is managed with user consent, aligning with GDPR requirements. Overall, the site is secure but could improve in explicit security policy publication and header implementation.

Recommendations

  1. Implement additional HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  2. Publish a security policy page and provide incident response contact information.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure.
  4. Enhance accessibility features to improve compliance and user experience.
  5. Regularly review third-party scripts and cookies for privacy and security compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Säästöpankki
Description
Tahdo enemmän elämältäsi ja pankkisuhteeltasi. Meiltä saat asiantuntemusta ja toimivat ratkaisut raha-asioihisi ja tavoitteisiisi. Tervetuloa asiakkaaksi
Key services
Banking services, Financial advice, Savings and loans
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Cookiebot, HTML5, CSS3, JavaScript
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • CSRF protection cookie (__RequestVerificationToken)
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Meta Platforms, Inc., Adform
Tracking pixels
Hotjar, Facebook Pixel
Marketing tools
Cookiebot, Hotjar
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-branded.
  2. Comprehensive cookie consent mechanism implemented via Cookiebot.
  3. Multiple third-party analytics and marketing tools used with clear consent.
  4. No direct contact emails or phone numbers found on the main page HTML provided.
  5. Security headers are minimal but HTTPS and CSRF protections are in place.
  6. No security.txt or explicit vulnerability disclosure found.
  7. No explicit security or incident response policies published.
  8. Content is in Finnish with alternate language versions available.
  9. No WAF or blocking mechanisms detected.
Technical notes

Notes

The website uses a modern tech stack with asynchronous loading of Google Tag Manager and Cookiebot scripts, ensuring performance optimization. The site is responsive and includes meta tags for SEO and social media sharing (Open Graph). Cookie consent is managed via Cookiebot with granular control over cookie categories. The site uses standard HTML5 and CSS3 with no detected CMS from the provided data. Performance is moderate, with room for improvement in accessibility and security headers. Hosting provider details are not explicit in the HTML. Overall, the technical implementation supports a professional banking website with good compliance and user experience.
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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