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Security report for sparkasse-gelsenkirchen.de

Sparkasse Gelsenkirchen · Finance · Germany

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

Security score

78/100

Risk levelLow

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

Sparkasse Gelsenkirchen operates as a regional financial institution providing a broad range of banking and financial services to private and corporate customers. The website reflects a mature digital presence with comprehensive product offerings including accounts, loans, investments, insurance, and real estate services. The bank holds a strong market position locally, supported by multiple industry awards and a consistent brand image. Technically, the site is built on a modern CMS platform (likely Adobe Experience Manager), with good mobile optimization, accessibility, and SEO practices. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly detailed. Overall, the site is professional, trustworthy, and compliant with GDPR requirements.

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-gelsenkirchen.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
77
Security headers
90
Email security
65
DNS health
70
Network security
100
GDPR outside view
68
Average
78

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-gelsenkirchen.de, from OffSeq Breach.

Total records
1,706
Employees
0
Customers
1,706
Third parties
0
Weak passwords
66%

8 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-gelsenkirchen.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 bank targets retail and corporate clients in Germany, focusing on traditional banking products and digital services. Its business model centers on retail banking with additional investment and insurance products. The presence of multiple awards indicates competitive advantages in customer service and product quality. The website integrates partner services for securities and market data, enhancing its service ecosystem. Growth indicators include active marketing campaigns and digital engagement tools. The bank maintains a strong local presence with physical branches and digital channels, positioning itself as a trusted financial partner in its region.

Security posture

The website demonstrates a good security baseline with HTTPS and cookie consent. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of visible security headers and a public security policy or incident response contact suggests room for improvement in transparency and defense-in-depth. The site uses secure login forms and does not expose internal technical details. Compliance with GDPR is evident through privacy and cookie policies. Overall, the security posture is adequate for a financial institution but could be enhanced by publishing explicit security policies and implementing additional HTTP security headers.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and user guidance.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and verify HTTP security headers like Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Regularly audit third-party scripts and tracking pixels to minimize privacy risks.
  5. Enhance transparency around data retention policies and user data handling.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Gelsenkirchen
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Girokonto, Kreditkarten, Kredite und Finanzierungen, Sparen und Anlegen, Versicherungen, Immobilien, Online-Banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Secure login form present

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel
Marketing tools
Cookie consent management
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 focus on customer service and product offerings.
  3. Comprehensive cookie and privacy policy with consent mechanism.
  4. No signs of phishing or malware.
  5. Multiple awards and trust signals reinforce credibility.
  6. No explicit security policy or incident response contact found.
  7. No security headers detected in provided data; recommend adding.
  8. No exposed sensitive data or vulnerabilities detected in HTML content.
Technical notes

Notes

The website is built on a robust CMS platform, likely Adobe Experience Manager, indicated by client library paths and structured content. It uses modern web technologies including minified JavaScript and CSS for performance. The site is mobile-optimized and accessible, with clear navigation and structured menus. External integrations include market data providers and social media platforms. Performance is moderate, with potential for optimization in image loading and script management. No deprecated or vulnerable libraries were detected in the provided content. The technical infrastructure supports a professional banking website with scalability and security considerations.
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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