Skip to main content

Security report for sparda-bw.de

Sparda-Bank Baden-Württemberg eG · Finance · Germany

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

Security score

59/100

Risk levelMedium

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

Sparda-Bank Baden-Württemberg eG is a leading regional cooperative bank in Germany offering a broad range of retail banking services including online banking, loans, mortgage financing, savings, and investment products. The website is professionally designed with clear navigation and targets private banking customers primarily in Baden-Württemberg. The technical infrastructure leverages modern web technologies such as React and Next.js, with a content management system likely based on Storyblok. Security posture is strong with HTTPS, security headers, and cookie consent mechanisms in place. No critical vulnerabilities or suspicious content were detected. Overall, the site reflects a mature digital presence consistent with a reputable financial institution.

Scanned

NIS2 and GDPR posture

GDPR outside view
48/ 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

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.

    • 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching sparda-bw.de

This scan found 21 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
52
Security headers
90
Email security
60
DNS health
65
Network security
40
GDPR outside view
48
Average
59

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 as a cooperative entity serving its members and customers with a focus on fair and uncomplicated banking solutions. Its market position as a regional leader is supported by a comprehensive product portfolio and active engagement in social and cultural initiatives. The business model centers on retail banking with revenue streams from account services, loans, financing, and investment products. The website's integration with partner domains for investment products and online banking services indicates a well-established partnership ecosystem. The bank's digital maturity is evidenced by modern frameworks and compliance with GDPR and cookie regulations.

Security posture

The website demonstrates a high level of security maturity with enforced HTTPS, presence of key security headers, and no visible exposure of sensitive data. Cookie consent is managed via Cookiebot, ensuring compliance with privacy regulations. However, no explicit security policy or incident response contact information is published, which could enhance transparency and readiness. No vulnerabilities or outdated libraries were detected in the provided content. The security score is high, reflecting good practices but with room for improvement in formal security disclosures.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide explicit incident response contact channels such as security@ or abuse@ email addresses.
  3. Consider implementing and publishing a vulnerability disclosure policy or security.txt file.
  4. Regularly review and audit third-party scripts and libraries for security vulnerabilities.
  5. Enhance accessibility features to improve inclusivity and compliance with standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparda-Bank Baden-Württemberg eG
Description
Bei der Sparda-Bank Baden-Württemberg stehen Sie im Mittelpunkt: Online-Banking, Kredit, Baufinanzierung – fair & unkompliziert.
Key services
Online-Banking, Kredit (Loans), Baufinanzierung (Mortgage financing), Girokonten (Checking accounts), Sparen & Anlegen (Savings and investments), Karten (Debit and credit cards), Absicherung & Vorsorge (Insurance and retirement planning)
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, Cookiebot (consent management), Google Tag Manager
Frameworks
Next.js, React
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of modern JavaScript frameworks
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cookiebot
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented in German language targeting regional customers.
  3. Strong focus on banking products and services with clear calls to action.
  4. Multiple contact channels including branch appointments, phone, and video consultation.
  5. Cookie consent and privacy policies are implemented and accessible.
  6. Social media presence is active on major platforms.
  7. Modern web technologies and frameworks are used.
  8. Security best practices are observed with HTTPS and security headers.
  9. No signs of suspicious or malicious content.
Technical notes

Notes

The website is built on a modern React and Next.js stack, ensuring fast performance and good SEO optimization. The use of Storyblok CMS allows flexible content management. Cookiebot integration provides robust cookie consent management. Google Tag Manager is used for analytics and marketing tracking. The site is mobile-optimized with responsive design and accessibility considerations. No technical debt or deprecated technologies were observed. Hosting details are not explicit but the domain uses standard name servers ns1.atruvia.de to ns4.atruvia.de, indicating professional hosting arrangements.
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 sparda-bw.de. 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 sparda-bw.de.

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.