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Security report for sparkasse-osterode.de

Sparkasse Osterode am Harz · 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 Osterode am Harz operates as a regional savings bank in Germany, providing a broad range of financial services including retail banking, corporate banking, investment products, insurance, and real estate financing. The website targets both private and corporate customers, offering secure online banking and comprehensive product information. The bank maintains a strong regional presence with consistent branding and a professional digital interface. Technically, the website is built on Adobe Experience Manager CMS, featuring modern web technologies, good mobile optimization, and accessibility compliance. Security posture is solid with HTTPS enforcement, session management, and cookie consent mechanisms, although explicit security policies and incident response contacts are not published. The domain registration data aligns well with the business, indicating legitimacy and trustworthiness. Overall, the website demonstrates a mature digital presence suitable for a financial institution.

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-osterode.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

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's market positioning is that of a trusted regional financial institution serving the Osterode am Harz area. Its competitive advantage lies in its comprehensive product portfolio tailored to private and corporate clients, including specialized offerings like PAYBACK integration and various investment plans. The business model focuses on traditional banking services augmented by digital channels. Revenue streams likely include account fees, loan interest, investment products, and insurance commissions. The partnership ecosystem includes PAYBACK and DekaBank for investment products. The website content and structure indicate a stable, medium-sized financial entity with a focus on customer service and compliance.

Security posture

The website exhibits a good security maturity level with enforced HTTPS, session timeout warnings, 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, incident response contact, or security.txt file suggests room for improvement in transparency and incident handling readiness. Compliance with GDPR is evident through privacy and cookie policies. The use of third-party analytics and marketing tools is managed with user consent. Overall, the security posture is adequate for the banking sector but could be enhanced by publishing explicit security governance documents and adding security headers.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact information, such as security@ or abuse@ email addresses.
  3. Implement and publish a security.txt file to facilitate vulnerability disclosures.
  4. Add HTTP security headers like Content-Security-Policy, Strict-Transport-Security, and X-Frame-Options.
  5. Regularly review and update third-party scripts to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Osterode am Harz
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Girokonto, Kreditkarte, Privatkredit, Wertpapiere, Versicherungen, Immobilien, Baufinanzierung, Online-Banking
Content quality
good
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
  • Consent management for cookies
  • Session timeout with countdown
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Universal Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Content is comprehensive and professionally presented.
  3. Strong focus on privacy and cookie consent compliance.
  4. No direct email addresses found in HTML; contact via forms and phone.
  5. Use of Adobe Experience Manager CMS inferred.
  6. Good mobile and accessibility features.
  7. No explicit security policy or incident response info found.
  8. Use of Google Analytics and marketing pixels with user consent.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, leveraging modern HTML5, CSS, and JavaScript. The structure supports good SEO and accessibility standards, with responsive design for mobile devices. Performance is moderate, with room for optimization in loading times. The use of multiple nameservers across different domains suggests a robust DNS setup. Tracking and marketing scripts are implemented with user consent, balancing analytics needs and privacy. Technical risks are minimal, but the absence of explicit security headers and incident response mechanisms could pose future challenges. Overall, the technical infrastructure supports the bank's digital services effectively.
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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