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Security report for sparkasse-krefeld.de

Sparkasse Krefeld · 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 Krefeld is a regional financial institution in Germany offering a comprehensive range of banking and financial services including online banking, accounts, loans, investments, insurance, and private banking. The website targets both private and corporate customers with a strong emphasis on secure online services and customer support. The site is well-branded, professionally designed, and provides extensive information and navigation options for its users. Technically, the website is built on a modern CMS platform (likely Adobe Experience Manager), uses HTTPS, and includes accessibility and SEO best practices. Security posture is strong with session management, cookie consent, and no visible vulnerabilities, although explicit security policy and incident response information are not publicly disclosed. The domain WHOIS data is consistent and trustworthy, supporting the legitimacy of the business. Overall, the website demonstrates a mature digital presence with good privacy compliance and user experience.

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-krefeld.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
60
DNS health
65
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

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-krefeld.de, from OffSeq Breach.

Total records
3,169
Employees
0
Customers
3,169
Third parties
0
Weak passwords
63%

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-krefeld.de.

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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

Sparkasse Krefeld holds a strong market position as a regional bank with a large customer base. Its business model focuses on retail and corporate banking, supported by partnerships with investment firms like Deka and integration with the broader Sparkassen-Finanzgruppe. The bank leverages digital channels effectively, including mobile apps and online services, to enhance customer engagement. The presence of multiple certifications and awards indicates a commitment to quality and training. The company actively promotes career opportunities and community involvement, reinforcing its regional importance. Its marketing ecosystem includes affiliate programs like PAYBACK and social media engagement, supporting customer loyalty and brand visibility.

Security posture

The website exhibits a solid security posture with enforced HTTPS, session timeout mechanisms, and cookie consent aligned with GDPR. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a publicly available security policy or incident response contact reduces transparency. The site could improve by publishing a security.txt file and enhancing HTTP security headers. Overall, the security maturity is good for a financial institution's public website, but there is room for improvement in explicit security communication and vulnerability disclosure.

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 publish a security.txt file to facilitate responsible vulnerability disclosure.
  4. Review and enhance HTTP security headers including Content Security Policy (CSP), HSTS, and X-Frame-Options.
  5. Continue to monitor and update third-party libraries and scripts to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Krefeld
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), Sparen und Anlegen (savings and investments), Kredite und Finanzierungen (loans and financing), Altersvorsorge (retirement planning), Versicherungen (insurance), Private Banking, Immobilien (real estate services)
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
  • Session timeout with countdown
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Universal Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel
Marketing tools
Chatbot Linda virtual assistant
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 navigation with clear segmentation for private and corporate customers.
  3. Strong emphasis on security and privacy with visible cookie consent and privacy policy.
  4. Multiple contact channels including phone, chat, and contact forms.
  5. Use of modern web technologies and CMS (likely Adobe Experience Manager).
  6. Presence of chatbot virtual assistant for customer support.
  7. Social media presence on Facebook, Instagram, LinkedIn, and Xing.
  8. No signs of suspicious or malicious content.
  9. Good SEO and accessibility practices observed.
Technical notes

Notes

The website is built on a modern CMS platform, likely Adobe Experience Manager, indicated by client library paths and structured content. It uses standard web technologies including HTML5, CSS, and JavaScript. The site is mobile-optimized with responsive design and accessibility features such as skip navigation buttons and ARIA labels. Performance is moderate, with some large images and scripts but overall good user experience. SEO is well addressed with meta tags, canonical links, and structured navigation. The integration of a chatbot and external marketing tools demonstrates digital maturity. Hosting details are not explicit but domain nameservers suggest a dedicated infrastructure within the Sparkassen network.
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. 77/100Low28 findingsView report
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