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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

72/100

Risk levelMedium

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

Sparkasse.de serves as the central information portal for the Sparkassen-Finanzgruppe, a leading financial institution in Germany. The website offers comprehensive access to products and services tailored for private customers, corporate clients, and real estate interests. It maintains a strong market position as a trusted banking group with a wide range of financial offerings including accounts, cards, loans, and advisory services. The portal targets a broad audience within Germany, emphasizing accessibility and ease of use.

Scanned

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

NIS2 and GDPR posture

GDPR outside view
33/ 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

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

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Keep watching sparkasse.de

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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
90
Security headers
90
Email security
55
DNS health
65
Network security
100
GDPR outside view
33
Average
72

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 group operates an enterprise-scale financial services model, leveraging a network of regional banks under a unified brand. The website reflects this by providing centralized access to diverse financial products and services. The business model focuses on customer-centric banking solutions, supported by digital channels and partnerships such as PAYBACK for affiliate marketing. The presence of dedicated subdomains for real estate indicates a segmented approach to service delivery. The company benefits from strong brand recognition and a comprehensive service ecosystem.

Security posture

The website demonstrates a solid security posture with HTTPS enforced and no visible exposure of sensitive data. The use of modern frameworks like Next.js and Material-UI supports secure and maintainable code. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms suggests room for improvement in transparency and readiness. Security headers are not explicitly detected in the provided content, and privacy compliance elements such as cookie consent are missing, which could be addressed to enhance compliance and user trust.

Recommendations

  1. Publish a clear and comprehensive privacy policy and cookie consent mechanism to improve GDPR compliance.
  2. Implement and disclose a formal security policy and incident response contact information.
  3. Add a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, and X-Frame-Options.
  5. Maintain consistent updates and audits of third-party libraries to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Sparkasse.de
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse.de
Description
Zentrales Informationsportal der Sparkassen-Finanzgruppe: Produkte und Services Ihrer Sparkasse und eine Suchfunktion zur Sparkasse in Ihrer Nähe.
Key services
Bank accounts, Cards, Loans, Investment products, Financial advice, Online banking
Content quality
excellent
Branding
consistent

Technology

Stack
React (Next.js), Material-UI (MUI), JavaScript, CSS, JSON-LD structured data
Frameworks
Next.js, Material-UI
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No visible sensitive data exposure
  • Use of modern JavaScript frameworks

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is a professional, enterprise-level financial services portal for Sparkasse group.
  2. Content is comprehensive and well-structured with good branding consistency.
  3. No privacy or cookie policies explicitly found in provided HTML snippet; may exist elsewhere.
  4. No visible security policy or incident response information.
  5. No forms detected in provided HTML snippet; likely uses secure online banking portals separately.
  6. Social media links point to official Sparkasse accounts.
  7. No suspicious or malicious content detected.
  8. Modern tech stack with React and Next.js used.
  9. Good mobile and accessibility support observed.
  10. No WAF or blocking mechanisms detected.
Technical notes

Notes

The website is built on a modern React-based framework (Next.js) with Material-UI for UI components, ensuring responsive and accessible design. The technical infrastructure supports fast loading and smooth user experience across devices. The use of JSON-LD structured data enhances SEO and semantic understanding by search engines. Hosting details are not explicitly identified but the domain uses multiple name servers under the Sparkasse group, indicating a robust DNS setup. Performance is moderate with room for optimization in asset loading and caching strategies.
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 −3Medium30 findingsView report
  2. 74/100Medium26 findingsView report
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