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Security report for swedbank.ee

Swedbank AS · Finance · Estonia

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

74/100

Risk levelMedium

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

Swedbank AS is a leading Estonian bank providing a wide range of financial services including daily banking, financing, insurance, investment, and savings solutions. The website serves both private and business clients with a strong focus on digital banking services such as internet and mobile banking. The company holds a strong market position in Estonia and is part of the larger Swedbank Group, with several subsidiaries specializing in leasing, investment funds, and insurance. The website content is professionally designed, localized primarily in Estonian with English translations, and demonstrates a high level of GDPR compliance and user privacy awareness. Technically, the website employs modern web technologies including Web Components, JavaScript frameworks, and optimized asset loading strategies. It supports multiple authentication methods including Smart-ID, Mobile-ID, and biometrics, indicating a mature digital infrastructure. Performance and mobile optimization are excellent, with good accessibility and SEO practices observed. From a security perspective, the site uses HTTPS with strong SSL configuration and implements best practices such as ARIA labels for accessibility and cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response contacts are not prominently published, suggesting room for improvement in transparency. Overall, the website is trustworthy, professional, and secure, reflecting the reputation of a major financial institution. Recommendations include publishing detailed security policies, adding a security.txt file for vulnerability disclosures, and enhancing visible security headers to further strengthen the security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      Third-party services without privacy policy

      Detected services: Facebook, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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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  • 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
85
Email security
70
DNS health
70
Network security
100
GDPR outside view
40
Average
74

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

Swedbank AS operates as a full-service bank in Estonia, targeting private individuals and businesses. Its business model revolves around providing comprehensive financial services including banking, loans, leasing, insurance, and investment products. The company benefits from its affiliation with the Swedbank Group, leveraging shared resources and subsidiaries to offer specialized services. Revenue streams likely include interest income, fees from banking and insurance products, and investment management fees. The website indicates a strong partnership ecosystem with other Nordic and Baltic financial institutions. Growth indicators include continuous digital service enhancements and personalized customer offerings. The company maintains a strong competitive position in the Estonian market with a focus on compliance and customer data protection.

Security posture

The security maturity of the website is high, with HTTPS enforced and modern authentication methods integrated. The presence of cookie consent and GDPR-compliant privacy policies indicates a strong commitment to data protection. No vulnerabilities or security misconfigurations were detected in the provided content. However, the absence of a publicly available security policy or incident response contact information is a gap in transparency and readiness communication. The site uses ARIA labels and other accessibility features that also contribute to secure and user-friendly design. Overall, the security posture is robust but could be enhanced by publishing explicit security governance documents and vulnerability disclosure policies.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Implement and publish a security.txt file to facilitate responsible vulnerability disclosure.
  3. Enhance HTTP security headers such as Content Security Policy (CSP), X-Frame-Options, and X-XSS-Protection if not already present.
  4. Provide clear incident response contact channels (e.g., security@swedbank.ee or abuse@swedbank.ee).
  5. Continue to monitor and update third-party libraries and frameworks to avoid vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Swedbank AS
Description
Eesti mainekaim pank, mis toetab inimeste, ettevõtete ja ühiskonna arengut. Pakub igapäevaseid pangatoiminguid, finantseerimist, kindlustust, investeerimist ja säästmist.
Key services
Internetipank, Mobiilipank, Laenud ja liising, Kindlustus, Investeerimisteenused, Finantsnõustamine
Content quality
excellent
Branding
consistent

Technology

Stack
Web Components (webjars/webcomponents 3.25.0), JavaScript, CSS, Moment.js, HTTPS, Prefetch and preload for fonts and images
Frameworks
SharedComponents UI framework
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • Use of HTTPS
  • Use of modern authentication methods (Smart-ID, Mobile-ID, Biometric)
  • No exposed sensitive data in HTML
  • Use of ARIA labels for accessibility
  • Cookie consent mechanism present

Analytics and tracking

Services
Adobe Omniture
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Omniture (swedbankab.d3.sc.omtrdc.net)
Marketing tools
Cookie consent scripts, Personalized offers based on data processing
Transparency
good

Site quality

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

Key observations

  1. Website is a professional banking portal for Swedbank Estonia.
  2. Content is comprehensive and localized in Estonian with English translations available.
  3. Strong focus on privacy and GDPR compliance.
  4. Multiple consent mechanisms for data processing and marketing communications.
  5. Use of modern web technologies and authentication methods.
  6. No signs of malicious or suspicious activity.
  7. WHOIS data supports legitimacy and long-term operation.
Technical notes

Notes

The website uses a modern tech stack including Web Components (version 3.25.0), JavaScript, CSS, and Moment.js for date localization. It preloads fonts and images for performance optimization and uses preconnect hints for third-party domains. The site is mobile-optimized with responsive design and accessibility features such as ARIA labels. Hosting details are not explicit but DNS uses NS1 name servers. The site loads quickly and uses proper meta tags for SEO and social sharing (Open Graph). No CMS is explicitly detected, suggesting a custom or proprietary platform. Overall, the technical infrastructure is modern, performant, and well-implemented with minor opportunities for further optimization.
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. 76/100Low19 findingsView report
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