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Security report for slsp.sk

Slovenská sporiteľňa · Finance · Slovakia

Low risk. 5 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

76/100

Risk levelLow

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

Slovenská sporiteľňa is the largest bank in Slovakia, offering a comprehensive range of retail banking and financial services including internet banking via their George platform, accounts, cards, loans, mortgages, investing, saving, and insurance products. The website reflects a strong market position with clear branding and a professional digital presence. The technical infrastructure is modern, leveraging Erste Group's proprietary GEM CMS framework, with good performance, mobile optimization, and accessibility. Security posture is strong with HTTPS, security headers, and secure forms, though explicit security policies and incident response contacts are not publicly detailed. Privacy compliance is well addressed with GDPR-aligned policies and cookie consent mechanisms. Overall, the website is trustworthy, professional, and well-maintained, supporting the bank's market leadership.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

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

  2. 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"

  3. 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 slsp.sk

This scan found 16 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

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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
77
Security headers
65
Email security
85
DNS health
90
Network security
100
GDPR outside view
40
Average
76

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

The bank operates in the Slovak retail banking sector under Erste Group, targeting individual and family customers. It leverages digital channels extensively, including a popular internet banking app George. The business model focuses on comprehensive financial services with a strong emphasis on digital transformation. The website indicates a mature marketing and analytics ecosystem with Bing Ads and Google Analytics integration. The absence of explicit security policy and incident response details suggests areas for improvement in transparency. The bank's strong brand and parent company affiliation provide competitive advantages and trust signals in the market.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, multiple security headers, and no visible vulnerabilities or exposed sensitive data. However, it lacks publicly available security policies, vulnerability disclosure programs, and incident response contact information, which are best practices for financial institutions. The use of third-party tracking and advertising scripts is well managed but should be regularly audited. Overall, the security measures are robust but could be enhanced by adding explicit security governance documentation and communication channels.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and commitments.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear incident response contact channels for security issues.
  4. Regularly audit third-party scripts and tracking tools for security and privacy compliance.
  5. Enhance transparency by publishing data protection officer contact information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Slovenská sporiteľňa
Description
Sme najväčšia banka na Slovensku s obľúbeným internetbankingom George. Chceme byť spoľahlivý partner pre vaše peniaze, aby ste sa mohli tešiť na budúcnosť.
Key services
Internet banking (George), Accounts and cards, Loans and mortgages, Investing and saving, Insurance
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, SVG, Google Tag Manager, Bing Ads, TagCommander, Erste Group proprietary scripts
Frameworks
GEM (Erste Group's CMS framework)
Platforms
Web desktop and mobile optimized
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security headers
  • Secure forms with asynchronous submission

Analytics and tracking

Services
Google Analytics, Bing Ads
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Bing Ads
Tracking pixels
Google Analytics (via GTM), Bing Ads pixel, TagCommander
Marketing tools
TagCommander
Transparency
good

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. Strong branding consistent with Erste Group and Slovenská sporiteľňa.
  3. Comprehensive banking services presented clearly.
  4. Good use of modern web technologies and tracking tools.
  5. No signs of malicious or suspicious content.
  6. Privacy and cookie policies are present and GDPR compliant.
  7. Contact information is clear and accessible.
  8. No explicit security policy or incident response contact found.
  9. No vulnerability disclosure or security.txt present.
Technical notes

Notes

The website uses a modern tech stack based on Erste Group's GEM CMS framework, with extensive use of JavaScript, CSS, and SVG for UI elements. It integrates Google Tag Manager and Bing Ads for analytics and marketing. The site is well optimized for performance and mobile devices, with good accessibility features. Hosting appears to be managed via Erste Group's CDN infrastructure. The technical implementation is solid, with no apparent technical debt or legacy technology issues. Opportunities exist to further modernize by adopting more explicit security and privacy technical standards and documentation.
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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