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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 broad range of banking and financial services including online banking, accounts, loans, investments, and insurance. The website targets both private and corporate customers with a strong emphasis on digital accessibility and customer support. The site is well-branded, professionally designed, and provides comprehensive information about products and services. Technically, the site uses modern web technologies, likely built on a CMS such as Adobe Experience Manager, and is optimized for mobile and accessibility. Security posture is strong with HTTPS enforcement, session management, and cookie consent mechanisms, though explicit security policies and vulnerability disclosure information are not publicly available. Overall, the domain and WHOIS data align well with the business identity, indicating legitimacy and trustworthiness.

Scanned

This is an earlier scan of sparkasse-krefeld.de. View the latest report

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.

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 strong regional market position with a diversified product portfolio including retail banking, private banking, investment funds (in partnership with Deka), and insurance products. It leverages partnerships with established financial groups and investment firms. The business model focuses on customer-centric digital services, supported by multiple contact channels and a chatbot assistant. Recruitment efforts are supported via external job portals. The presence of certifications and awards enhances credibility. The bank maintains active social media channels to engage customers and promote services.

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. However, the absence of a published security policy or incident response contacts and lack of a vulnerability disclosure policy are gaps. Security headers are partially visible but could be more explicit. The site uses tracking pixels and marketing cookies with user consent. Overall, security practices are good but transparency and formal policies could be improved.

Recommendations

  1. Publish a dedicated security policy page detailing security frameworks and practices.
  2. Implement and publicly disclose a vulnerability disclosure policy or security.txt file.
  3. Enhance HTTP security headers such as X-Frame-Options and Content-Security-Policy explicitly.
  4. Provide clear incident response contact channels for security issues.
  5. Regularly audit third-party scripts and tracking technologies for security and privacy compliance.
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), Versicherungen (Insurance), Private Banking, Deka Investments, Bausparen (Building savings), Customer support and advisory services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, React (indicated by React data-reactid attributes), jQuery (implied by $ usage in scripts), Custom Sparkasse Web fonts
Frameworks
Custom Sparkasse Internetfiliale framework
Platforms
Web desktop and mobile responsive
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • Session timeout warning present
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected in scripts

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
module.sparkasse-krefeld.de (tracking pixel)
Marketing tools
Chatbot Linda virtual assistant
Transparency
good

Site quality

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

Key observations

  1. Website is a professional regional bank site with comprehensive product offerings.
  2. Strong focus on privacy and cookie compliance with explicit consent mechanisms.
  3. Multiple contact channels including phone, chat, and online forms.
  4. Use of modern web technologies and responsive design.
  5. Presence of chatbot virtual assistant for customer support.
  6. No signs of phishing, malware, or suspicious content.
  7. Social media presence on major platforms.
  8. Clear navigation and well-structured content.
  9. Security best practices mostly implemented but could improve transparency on security policies.
Technical notes

Notes

The website is built on a modern tech stack with JavaScript, CSS, and likely React components. The CMS appears to be Adobe Experience Manager or a similar enterprise solution, indicated by JCR content paths. The site is mobile optimized and accessible, with good SEO practices including meta tags and canonical URLs. Performance is moderate, with some large images but overall responsive design. The use of a chatbot and integration with external services like app stores and social media indicates a mature digital infrastructure. Hosting provider details are not explicit but the domain uses multiple name servers under s-fg-net domains, suggesting a dedicated hosting environment.
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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