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Security report for sparkasse.de

Sparkasse.de · Finance · Germany

Medium risk. 3 critical or high findings in GDPR outside view.

Security score

74/100

Risk levelMedium

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

Sparkasse.de is the central information portal for the Sparkassen-Finanzgruppe, a leading financial services group in Germany. The website offers a comprehensive range of banking products, insurance, investment options, and financial advice targeted at private customers, corporate clients, and real estate interests. The platform is well-positioned in the German financial market, leveraging a strong local presence and a broad portfolio of services. Technically, the website is built on modern frameworks such as Next.js and React, utilizing Material-UI for design consistency and integrating multiple third-party services for analytics, advertising, and user engagement. Security measures are robust, with HTTPS enforced, strong security headers, and no detected critical vulnerabilities, although some improvements like enabling OCSP stapling and security.txt could enhance the posture further. Overall, the site demonstrates high professionalism, excellent content quality, and good privacy compliance, making it a trustworthy and user-friendly platform for its audience.

Scanned

This is an earlier scan of sparkasse.de. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 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

3 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

    • 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

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

Keep watching sparkasse.de

This scan found 19 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.

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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
82
Security headers
90
Email security
70
DNS health
85
Network security
100
GDPR outside view
18
Average
74

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 sparkasse.de, from OffSeq Breach.

Total records
3,962
Employees
0
Customers
3,907
Third parties
55
Weak passwords
27%

16 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 sparkasse.de.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

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Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The Sparkasse brand is a major player in the German finance sector, offering a wide array of products including accounts, loans, insurance, and investment services. Its business model focuses on comprehensive customer service with a strong emphasis on local accessibility and digital innovation, including mobile banking apps and AI-powered chatbots. The company maintains partnerships with several specialized entities such as S-Immobilien and Deka, enhancing its service ecosystem. The website's extensive content and clear navigation support customer engagement and retention. The presence of detailed product information, financial advice, and accessibility features indicates a customer-centric approach. The integration of multiple marketing and analytics tools suggests a mature digital marketing strategy aimed at optimizing user experience and conversion.

Security posture

The website exhibits a mature security posture with enforced HTTPS, HSTS headers, and a comprehensive Content Security Policy that restricts resource loading to trusted domains. It employs X-XSS-Protection and X-Frame-Options headers to mitigate common web attacks. No weak or vulnerable cipher suites or known SSL vulnerabilities are present. However, OCSP stapling is not enabled, and the site lacks a security.txt file for vulnerability disclosure, which are areas for improvement. The CSP includes 'unsafe-inline' and 'unsafe-eval' for scripts and styles, which could be tightened to reduce risk. No signs of exposed sensitive data or security incidents were found. Overall, the site follows best practices but could enhance its security transparency and certificate validation mechanisms.

Recommendations

  1. Enable OCSP stapling to improve SSL certificate validation and reduce latency.
  2. Submit the domain to HSTS preload list to enforce strict transport security across browsers.
  3. Implement a security.txt file to provide a clear vulnerability disclosure policy.
  4. Review and restrict 'unsafe-inline' and 'unsafe-eval' usage in the Content Security Policy to reduce XSS risks.
  5. Consider enabling DNSSEC to protect against DNS spoofing and improve domain security.

Contact details published on the site

Addresses
Technical notes

Notes

The website is built using modern web technologies including Next.js and React, with Material-UI for UI components. It integrates multiple third-party services such as Google Tag Manager, Google Analytics, Hotjar, Adobe DTM, and Facebook Connect for analytics and marketing. The hosting is provided by myracloud, and the site uses a robust set of security headers and HTTPS protocols (TLS 1.2 and 1.3). The site is mobile-optimized with responsive design and accessibility features like 'Leichte Sprache' and 'Barrierefreiheit' links. Performance indicators suggest fast loading times and efficient resource management. The site structure is well-organized with comprehensive internal linking and rich metadata including JSON-LD structured data for SEO. There is no evidence of technical debt or outdated libraries, indicating good maintenance and modernization.
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

Earlier scans of this domain

  1. 71/100 −1Medium30 findingsView report
  2. 72/100Medium28 findingsView report
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