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Security report for sparkasse-hegau-bodensee.de

Sparkasse Hegau-Bodensee · Finance · Germany

Medium risk. 3 critical or high findings in GDPR outside view, Email security and 1 other check.

Security score

75/100

Risk levelMedium

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

Sparkasse Hegau-Bodensee is a regional German bank serving private and corporate customers primarily in the Hegau and Bodensee regions. The website offers a comprehensive range of banking services including online banking, accounts, credit cards, loans, investments, insurance, and real estate financing. The bank positions itself as a trusted local financial institution with strong community ties and a focus on customer service. Technically, the website is built on a modern CMS platform (likely Adobe Experience Manager), uses standard web technologies, and is optimized for accessibility and SEO. Security posture is strong with HTTPS enforced, cookie consent mechanisms, and session management features, although explicit security policies and incident response contacts are not publicly listed. Overall, the site is professional, trustworthy, and compliant with GDPR requirements, reflecting a mature digital presence for a regional bank.

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

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.

    • 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. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  3. 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

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

Keep watching sparkasse-hegau-bodensee.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
77
Security headers
90
Email security
45
DNS health
70
Network security
100
GDPR outside view
68
Average
75

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 in the finance sector with a medium-sized regional footprint. Its business model revolves around retail and corporate banking, offering a broad portfolio of financial products and services. The website indicates a focus on digital banking convenience, customer engagement through social media, and community involvement. The presence of affiliate programs like PAYBACK and marketing tools such as Google Analytics suggest active customer acquisition and retention strategies. The bank benefits from the strong brand recognition of the Sparkassen-Finanzgruppe. No suspicious or privacy-protected WHOIS data was found, supporting legitimacy. The bank's digital ecosystem includes partnerships with payment and investment platforms, enhancing service offerings.

Security posture

The website demonstrates a solid security foundation with HTTPS, session timeout warnings, and cookie consent management. However, there is no explicit security policy or incident response contact information available, which could be improved to enhance transparency and readiness. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of modern web technologies and adherence to GDPR cookie consent requirements indicate good compliance and security awareness. Recommendations include publishing a security policy, adding a security.txt file for vulnerability disclosures, and verifying the presence of all recommended security headers.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and incident response procedures.
  2. Add a security.txt file at the root domain to facilitate responsible vulnerability disclosure.
  3. Verify and implement comprehensive HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  4. Enhance transparency by providing direct contact channels for security incidents or abuse reports.
  5. Continue to monitor and update cookie consent mechanisms to maintain GDPR compliance and user trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Hegau-Bodensee
Description
Ihre Bank im Hegau und am Bodensee. Mit sicherem Online-Banking, vielen Angeboten wie ein klimaneutrales Girokonto und Services für Privat- und Firmenkunden.
Key services
Online-Banking, Girokonto, Kreditkarte, Kredite und Finanzierungen, Sparen und Anlegen, Versicherungen, Immobilienfinanzierung, 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
  • Consent management for cookies
  • Session timeout countdown
  • Secure login form

Analytics and tracking

Services
Google Universal Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Google Tag Manager (implied), Universal Analytics
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 comprehensive and professionally presented in German.
  3. Strong focus on retail and corporate banking services.
  4. Multiple contact channels including phone and chat available.
  5. Cookie consent mechanism is implemented and GDPR compliant.
  6. Social media presence on major platforms is active.
  7. No security policy or incident response contact publicly listed.
  8. No security.txt or vulnerability disclosure page found.
  9. Use of Adobe Experience Manager CMS inferred from URL structure.
  10. Good accessibility and SEO practices observed.
Technical notes

Notes

The website is built on a robust CMS platform, likely Adobe Experience Manager, leveraging client libraries for CSS and JavaScript. It uses standard web technologies including HTML5, CSS, and JavaScript with jQuery implied. The site is mobile-optimized and accessible, with good SEO practices such as meta tags and structured navigation. Performance is moderate, with room for optimization. External dependencies include social media platforms and app stores for mobile app distribution. No hosting provider details were explicitly found. The technical implementation supports a professional and user-friendly banking experience.
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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