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Security report for seb.lv

SEB · Finance · Latvia

Medium risk. 5 critical or high findings in GDPR outside view.

Security score

71/100

Risk levelMedium

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

SEB.lv is the official website of SEB bank in Latvia, a major financial institution offering comprehensive banking services to private individuals, businesses, and large enterprises. The website provides extensive information on daily banking, loans, investments, insurance, and private banking, supported by a professional and well-structured Drupal-based platform. Multilingual support and clear navigation enhance user experience. However, a critical security gap exists due to the absence of a valid SSL certificate and HTTPS support, exposing users to potential risks. DNS configurations show good email security practices with SPF and DMARC policies in place. Privacy and cookie policies are comprehensive and GDPR compliant, reflecting strong privacy awareness. Overall, the site demonstrates a mature digital presence but requires urgent remediation of its SSL/TLS configuration to meet modern security standards.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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

5 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

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching seb.lv

This scan found 18 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.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
65
Email security
85
DNS health
75
Network security
100
GDPR outside view
0
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

SEB operates as a leading bank in Latvia with a broad service portfolio targeting multiple customer segments including private clients and businesses. The business model centers on traditional and digital banking services, investment products, and insurance offerings. The website content and linked domains indicate a strong regional banking group affiliation, enhancing market position and trust. Marketing tools like Evergage are used for personalized content delivery. The site’s content quality and branding consistency support a high level of professionalism and customer trust. No explicit incident response or security policy disclosures were found, suggesting an area for improvement in transparency.

Security posture

The website’s security posture is currently weak due to the lack of a valid SSL certificate and absence of HTTPS, which is a critical vulnerability for any banking site. While DNS records show well-configured SPF and DMARC policies, the SSL/TLS configuration is non-existent, with no modern TLS protocols enabled and no HSTS or OCSP stapling. Security headers are missing, and CAA DNS records are malformed, reducing control over certificate issuance. No vulnerabilities like Heartbleed or POODLE were detected, but the lack of encryption severely undermines user data protection and trust. Incident response contacts and security policies are not publicly disclosed, limiting transparency and preparedness visibility.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and configure HSTS with includeSubDomains and preload directives.
  3. Correct CAA DNS records to properly restrict certificate authorities authorized to issue certificates.
  4. Implement essential security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  5. Publish clear security policies and incident response contact information to improve transparency and trust.
Technical notes

Notes

The website is built on Drupal 10, leveraging modern web technologies including Bootstrap and FontAwesome for UI components. The site is multilingual and mobile-optimized with good accessibility features. Performance is moderate with a page load time of approximately 4.1 seconds and a page size of about 860 KB. Marketing tools like Evergage are integrated for personalized user experiences. DNS infrastructure is robust with multiple authoritative name servers and valid SPF and DMARC records. However, the absence of SSL/TLS and security headers represents a significant technical risk. The site’s technical implementation is otherwise solid, with clean HTML and structured navigation.
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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