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Security report for sparkasse-oberlausitz-niederschlesien.de

Sparkasse Oberlausitz-Niederschlesien · Finance · Germany

Medium risk. 4 critical or high findings in Email security, GDPR outside view and 1 other check.

Security score

73/100

Risk levelMedium

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

Sparkasse Oberlausitz-Niederschlesien is a well-established regional financial institution in Germany with a strong heritage of 200 years. The website serves both private and corporate customers, offering a broad range of banking products including accounts, loans, investments, insurance, and real estate services. The digital presence is professional, well-structured, and optimized for accessibility and mobile use, reflecting a mature digital infrastructure based on Adobe Experience Manager and modern web technologies. Security posture is strong with HTTPS enforcement, secure login forms, and cookie consent mechanisms, although explicit security policies and incident response contacts are not published. The website integrates trusted third-party services such as Deka Investments and a virtual assistant chatbot to enhance customer experience. Overall, the site demonstrates high business credibility and compliance with GDPR and cookie regulations.

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

4 findings rated critical or high. Fix these first.

  1. 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.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

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

  2. 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

  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

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Keep watching sparkasse-oberlausitz-niederschlesien.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
40
DNS health
60
Network security
100
GDPR outside view
68
Average
73

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-oberlausitz-niederschlesien.de, from OffSeq Breach.

Total records
1,580
Employees
0
Customers
1,580
Third parties
0
Weak passwords
60%

7 subdomains affected

See the 10 newest leaked credentials

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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 Sparkasse Oberlausitz-Niederschlesien operates as a key regional bank within the Sparkassen-Finanzgruppe, targeting private and business customers with comprehensive financial services. Its business model focuses on retail banking, investment products, and real estate financing, supported by a strong local presence and digital channels. The company leverages partnerships with Deka Investments and uses advanced CMS technology for content delivery. The website's content and structure indicate a focus on customer engagement, transparency, and trust-building, supported by social media and community initiatives. The bank's longevity and awards contribute to a strong market position in the regional finance sector.

Security posture

The website exhibits a solid security posture with enforced HTTPS, secure login mechanisms, and cookie consent management. 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 information is a gap in transparency. The use of third-party scripts and chatbots is managed via secure redirects. Security headers are implied but not explicitly visible in the HTML. Overall, the site follows good security practices but could improve by publishing explicit security and incident response policies.

Recommendations

  1. Publish a dedicated security policy page detailing security frameworks and practices.
  2. Provide clear incident response contact channels such as security@ or abuse@ emails.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Verify and explicitly set security headers like Content-Security-Policy and X-Frame-Options.
  5. Enhance transparency on data protection officer contact details and data retention policies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Oberlausitz-Niederschlesien
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, Sparen und Anlegen, Immobilien financing and services, Versicherungen, Altersvorsorge
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, jQuery (implied by $ usage), React (implied by data-reactid attributes)
Frameworks
Adobe Experience Manager, jQuery
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure login form
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of virtual assistant chatbot with secure redirect

Analytics and tracking

Services
Google Analytics (implied), Sparkasse internal tracking
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel (tdg)
Marketing tools
Google site verification, Google analytics (implied but not explicit), Cookie consent banner
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 rich content
  2. Strong regional banking focus with comprehensive product offerings
  3. Good privacy and cookie policies with consent mechanisms
  4. No visible security policy or incident response contacts published
  5. Use of Adobe Experience Manager CMS
  6. Multiple social media and external links to trusted domains
  7. No suspicious or malicious content detected
  8. Good SEO and accessibility features implemented
  9. Use of chatbot virtual assistant for customer support
  10. Clear contact information with phone numbers and contact forms
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, utilizing JavaScript, CSS, and HTML5 with some React components and jQuery. The infrastructure appears modern and supports responsive design and accessibility features. Performance is moderate with optimized images and structured navigation. The site integrates external services for investment products, chatbots, and social media. No critical technical debt or outdated libraries were detected. Opportunities exist to improve performance metrics and explicitly document security headers and policies.
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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