Skip to main content

Security report for sedlabanki.is

Seðlabanki Íslands · Finance · Iceland

Low risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

78/100

Risk levelLow

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

Seðlabanki Íslands is the Central Bank of Iceland, serving as the national authority for monetary policy, financial stability, and secure financial operations. The website reflects a well-established government institution with a clear mission to maintain stable prices and a robust financial system. It targets a broad audience including the general public, financial institutions, and government bodies, providing comprehensive information and services related to monetary policy, financial regulation, and market operations. The site is professionally designed with consistent branding and high-quality content, reinforcing its authoritative position in the Icelandic financial sector. Technically, the website employs modern web technologies including Blazor Server and Veva CMS modules, ensuring a fast, accessible, and mobile-optimized user experience. The use of cookie consent tools and accessibility features demonstrates digital maturity and compliance with contemporary web standards. Analytics are implemented via Siteimprove, supporting moderate user tracking aligned with privacy best practices. From a security perspective, the site enforces HTTPS and holds ISO-27001 certification, indicating a strong security posture. While some security headers are not explicitly visible, no vulnerabilities or exposed sensitive data were detected. The absence of DNSSEC is a minor gap, and the site would benefit from publishing a security.txt file and incident response contacts to enhance transparency and readiness. Overall, the website is highly trustworthy, professionally maintained, and compliant with privacy regulations. It effectively supports the Central Bank's mission and provides valuable resources to its stakeholders. Strategic recommendations include enabling DNSSEC, enhancing security header implementation, and establishing formal vulnerability disclosure channels to further strengthen security and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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

4 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.

    • 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 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, Cloudflare

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

  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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching sedlabanki.is

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.

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.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
72
Security headers
90
Email security
75
DNS health
80
Network security
100
GDPR outside view
50
Average
78

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

Seðlabanki Íslands operates as a government central bank with a critical role in Iceland's financial ecosystem. Its market position is authoritative and essential, with services spanning monetary policy formulation, financial stability oversight, payment system management, and financial institution supervision. The business model is non-commercial, focused on public service and regulatory functions. Revenue streams are primarily government-funded. The target customer segments include financial institutions, government agencies, and the general public seeking financial information and services. The bank maintains partnerships with related government and financial entities, as evidenced by linked subdomains and partner sites. Growth indicators are stable, consistent with a mature government institution. The website's comprehensive content and certifications reflect a strong operational foundation and commitment to transparency.

Security posture

The security maturity of the website is high, supported by HTTPS enforcement and ISO-27001 certification. The site demonstrates good security hygiene with no visible vulnerabilities or sensitive data exposure. Cookie consent mechanisms and privacy policies indicate compliance with GDPR and related regulations. However, the lack of DNSSEC and some missing security headers suggest areas for improvement. Incident response readiness is not publicly documented, which could be addressed to improve security culture and transparency. Overall, the site balances security and usability effectively, minimizing risk while providing essential services.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish a security.txt file to provide clear vulnerability disclosure and incident response contacts.
  3. Implement additional security headers such as X-Frame-Options and X-Content-Type-Options to mitigate clickjacking and MIME sniffing risks.
  4. Publicly disclose incident response procedures or contacts to improve transparency and readiness.
  5. Regularly review and update third-party scripts and analytics tools to ensure no vulnerabilities are introduced.

Contact details published on the site

Addresses
Legal name
Seðlabanki Íslands
Registration number
560269-4129
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Seðlabanki Íslands
Description
Seðlabanki Íslands is the Central Bank of Iceland, responsible for monetary policy, financial stability, and secure financial operations in Iceland.
Key services
Monetary policy, Financial stability oversight, Financial market operations, Payment systems management, Licensing and supervision of financial institutions
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript ES modules, Blazor Server (Microsoft .NET), Veva Modules, ReadSpeaker, CookieHub
Frameworks
Blazor, Veva Modules
Platforms
Microsoft .NET (Blazor Server)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • ISO-27001 certification
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Siteimprove Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Siteimprove Analytics
Marketing tools
CookieHub
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is comprehensive and relevant to central banking and financial regulation.
  3. Strong trust signals including ISO-27001 certification and official contact details.
  4. No signs of malicious or suspicious activity.
  5. Good privacy and cookie compliance with visible consent mechanisms.
  6. No visible forms collecting personal data on homepage; contact via email and phone provided.
  7. Use of modern web technologies and accessibility features.
  8. No DNSSEC enabled, which is a minor security gap.
  9. No explicit incident response or vulnerability disclosure information found.
Technical notes

Notes

The website is built on a modern technology stack featuring Blazor Server and Veva CMS modules, enabling dynamic content delivery and modular design. It uses ES modules and asynchronous script loading to optimize performance. The site is mobile responsive and includes accessibility features such as skip links and ARIA labels. External integrations include CookieHub for cookie management and ReadSpeaker for accessibility. Analytics are provided by Siteimprove. The hosting provider is not explicitly identified, but the site uses multiple CDN and external domains for fonts and scripts. Performance is fast with good SEO practices including meta tags and Open Graph data. Technical risks are minimal, with opportunities to enhance DNS security and security header coverage.
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

Reviews of this site

Share your experience with sedlabanki.is. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review sedlabanki.is.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.