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Security report for sparkasse.si

Banka Sparkasse · Finance · Slovenia

Medium risk. 2 critical or high findings in SSL/TLS and Security headers.

Security score

66/100

Risk levelMedium

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

Banka Sparkasse is a well-established Slovenian retail banking institution, part of the Erste Bank Group with over 200 years of tradition. The website targets individual consumers in Slovenia, offering personal banking and financial advisory services. The business model focuses on providing tailored financial solutions with a strong emphasis on customer trust and stability. Technically, the site uses a modern CMS platform (GEM) with a solid tech stack including JavaScript, Google Tag Manager, and Cookiebot for privacy compliance. The site is mobile optimized and performs moderately well. Security posture is strong with HTTPS, security headers, and cookie consent mechanisms, though explicit security and incident response policies are not publicly detailed. Overall, the site is professional, trustworthy, and compliant with GDPR requirements.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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. 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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

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

Keep watching sparkasse.si

This scan found 16 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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Recommended

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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
0
Security headers
65
Email security
70
DNS health
70
Network security
100
GDPR outside view
88
Average
66

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.si, from OffSeq Breach.

Total records
362
Employees
0
Customers
358
Third parties
4
Weak passwords
57%

12 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.si.

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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

The company holds a strong market position in Slovenian banking, leveraging its affiliation with Erste Bank Group. Its competitive advantage lies in its long-standing tradition and personalized customer approach. Revenue streams likely include account fees, loans, and investment services. The target customer segment is retail consumers seeking reliable banking services. The partnership ecosystem includes Erste Group and Telekom Slovenije as registrar. The website reflects a mature digital presence with good branding consistency and trust signals.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, comprehensive cookie consent via Cookiebot, and use of security headers. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of a public security policy or incident response contact reduces transparency. There is no visible vulnerability disclosure or security.txt file. The site uses third-party scripts which should be regularly audited. Overall, the security maturity is good but could be improved with explicit policies and incident response information.

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 policy or security.txt file.
  4. Regularly audit and update third-party scripts to mitigate supply chain risks.
  5. Enhance transparency by including data retention policies and DPO contact information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banka Sparkasse
Description
V Sparkasse verjamemo v svoje stranke. Z osebnim pristopom in udobnimi bančnimi storitvami poskrbimo, da tudi vi verjamete vase in vas spremljamo po poti finančnega udobja. Več kot 200-letna tradicija skupine Erste Bank in Sparkasse je dokaz stabilnosti naših temeljev.
Key services
personal banking, financial advisory, bank accounts, loans, investment services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Cookiebot, Scarab Research, JSON-LD structured data
Frameworks
GEM (Erste Group Experience Manager)
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 management
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Scarab Research
Marketing tools
Scarab Research
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well maintained.
  2. Strong branding consistent with Erste Bank Group.
  3. Comprehensive cookie consent and privacy mechanisms implemented.
  4. No direct email or phone contact found in provided HTML; contact likely via forms.
  5. Use of modern web technologies and security best practices.
  6. No visible security or privacy policy pages explicitly found in HTML but referenced in metadata.
  7. No signs of suspicious or malicious content.
Technical notes

Notes

The website is built on Erste Group's GEM CMS platform, using modern JavaScript frameworks and libraries. It employs Google Tag Manager and Cookiebot for analytics and privacy management. Hosting and CDN are provided by Erste Group and Telekom Slovenije. The site is mobile responsive and accessible with good SEO metadata. Performance is moderate, with room for optimization. The technical infrastructure is robust but could benefit from enhanced documentation of security and privacy practices.
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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