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Security report for sparkasse-kl.de

Sparkasse Kaiserslautern · Finance · Germany

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

Security score

79/100

Risk levelLow

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

Sparkasse Kaiserslautern is a regional financial institution providing a broad range of banking and financial services including online banking, loans, insurance, investments, and real estate services. The website targets both private and corporate customers with a strong emphasis on accessibility and user-friendly digital services. The bank holds several awards recognizing its advisory quality and market position. Technically, the website is built on a modern stack likely powered by Adobe Experience Manager, with responsive design and good SEO and accessibility features. Security posture is strong with HTTPS, session management, and cookie consent mechanisms, although explicit security policies and vulnerability disclosure mechanisms are not published. 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

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

Keep watching sparkasse-kl.de

This scan found 17 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
70
DNS health
70
Network security
100
GDPR outside view
68
Average
79

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-kl.de, from OffSeq Breach.

Total records
337
Employees
0
Customers
337
Third parties
0
Weak passwords
59%

4 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-kl.de.

Select it in the checkout above.

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

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 holds a solid regional market position with a comprehensive portfolio targeting private and business customers. Its business model revolves around traditional banking products enhanced by digital services and local real estate partnerships. The presence of multiple social media channels and a blog indicates active customer engagement. The company benefits from recognized certifications and awards, enhancing credibility. Partnerships with real estate and retail domains support its service ecosystem. The website content and structure reflect a mature digital presence aligned with customer expectations in the finance sector.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, session timeout warnings, and cookie consent aligned with GDPR. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a published security policy or incident response contact details limits transparency. No security.txt or vulnerability disclosure page was found, which could be improved to enhance trust and readiness. Overall, the site follows best practices but could benefit from more explicit security governance disclosures.

Recommendations

  1. Publish a dedicated security policy page outlining security frameworks and practices.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Ensure all recommended security headers (CSP, X-Frame-Options, X-Content-Type-Options) are explicitly set and documented.
  4. Provide clear contact channels for security incidents or abuse reports.
  5. Maintain and regularly update cookie and privacy policies with transparent data retention details.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

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

Technology

Stack
JavaScript, CSS, HTML5, jQuery (implied by $ usage), React (partial usage in app info component)
Frameworks
Custom Sparkasse frontend framework, SAppInfo component
Platforms
Web desktop and mobile optimized
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • Session timeout countdown
  • No exposed sensitive data in HTML
  • Secure login form

Analytics and tracking

Services
Google Universal Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
module.sparkasse-kl.de (custom tracking pixel)
Marketing tools
Google Analytics (Universal Analytics), Custom marketing scripts
Transparency
good

Site quality

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

Key observations

  1. Comprehensive banking services offered with strong regional focus.
  2. Website is well-structured, multilingual support with German primary language.
  3. Strong emphasis on accessibility with easy language and sign language links.
  4. Multiple contact channels including phone, chat, email forms, and callback service.
  5. Active social media presence on Facebook, Instagram, LinkedIn, Xing, and blog.
  6. Cookie consent and privacy policy comply with GDPR requirements.
  7. No signs of security or content blocking mechanisms.
  8. Use of modern web technologies and CMS (likely Adobe Experience Manager).
  9. Security best practices observed but no explicit security policy published.
  10. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website uses a modern technology stack with JavaScript, CSS, and likely Adobe Experience Manager as CMS. It includes React components and jQuery usage. The site is mobile-optimized with responsive design and accessibility features such as skip navigation and easy language options. Performance is moderate with multiple large images and scripts but overall user experience is smooth. SEO is supported by proper meta tags and structured navigation. Hosting details are not explicit but the domain uses multiple name servers under s-fg-net domains, indicating a stable infrastructure. Opportunities exist to optimize performance and enhance security header implementation.
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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