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Security report for sparkasse-fulda.de

Sparkasse Fulda · Finance · Germany

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

77/100

Risk levelLow

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

Sparkasse Fulda is a regional financial institution in Germany offering a comprehensive range of banking and financial services including online banking, accounts, credit cards, loans, insurance, investment products, and retirement planning. The website targets private customers, business clients, and young customers with tailored offerings. The site is professionally designed, well-structured, and provides extensive product information and customer support channels. Technically, the website is built on a modern stack likely powered by Adobe Experience Manager, with good mobile optimization and accessibility features. Security posture is strong with HTTPS enforcement, session timeout warnings, and cookie consent mechanisms, although explicit security headers could be confirmed. The domain registration data aligns well with the brand and regional focus, supporting legitimacy. Overall, the site demonstrates a mature digital presence with good compliance and trust indicators.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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

2 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 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

  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

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Keep watching sparkasse-fulda.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
67
Security headers
90
Email security
65
DNS health
70
Network security
100
GDPR outside view
68
Average
77

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

Sparkasse Fulda operates within the finance sector as a regional bank under the Sparkassen-Finanzgruppe umbrella. It leverages a multi-channel approach including online banking, mobile apps, and physical branches. The business model focuses on retail and corporate banking services, complemented by insurance and investment products. The company benefits from certifications and a strong employer brand. Its marketing ecosystem includes social media and targeted campaigns. The website reflects a customer-centric approach with clear navigation and comprehensive service coverage, supporting growth and customer retention in its regional market.

Security posture

The website exhibits a solid security foundation with HTTPS and session management features. Cookie consent is implemented in compliance with GDPR. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, explicit security headers such as Content-Security-Policy and X-Frame-Options were not confirmed in the provided data and should be verified. There is no publicly available security policy or incident response contact, which could be improved to enhance transparency and readiness. Overall, the security posture is good but could benefit from formalized policies and additional header configurations.

Recommendations

  1. Verify and implement comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a clear security policy and provide incident response contact information on the website.
  3. Consider adding a security.txt file to facilitate vulnerability disclosure.
  4. Maintain and regularly update cookie consent mechanisms to ensure ongoing GDPR compliance.
  5. Enhance transparency by providing data retention policies and privacy notices related to analytics and tracking.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Fulda
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Online-Banking, Girokonto (checking accounts), Kreditkarte (credit cards), Kredite und Finanzierungen (loans and financing), Sparen und Anlegen (saving and investment products), Altersvorsorge (retirement planning), Versicherungen (insurance), Immobilien (real estate services), Private Banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Frameworks
jQuery (implied by $ usage), Custom Sparkasse clientlibs
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • Session timeout warning
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel
Marketing tools
Sparkasse marketing modules
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. Comprehensive product and service offerings for private and business customers.
  3. Strong compliance with GDPR and cookie consent requirements.
  4. Multiple contact channels including phone, chat, and contact forms.
  5. Use of modern web technologies and CMS (Adobe Experience Manager).
  6. Presence of social media links and active marketing.
  7. No signs of suspicious or malicious content.
  8. Good security posture with HTTPS and session management.
Technical notes

Notes

The website is built on a modern technology stack with JavaScript and CSS, likely managed via Adobe Experience Manager CMS. It uses custom client libraries and jQuery. The site is mobile optimized and accessible, with good SEO practices including meta tags and structured navigation. Performance is moderate, with potential for optimization. The hosting provider is not explicitly identified. The site integrates external services such as Google Analytics and social media platforms. Technical risks are minimal, but monitoring for outdated libraries and ensuring security headers are in place is recommended to mitigate potential vulnerabilities.
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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