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Security report for swedbank.lv

Swedbank · Finance · Latvia

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

Security score

71/100

Risk levelMedium

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

Swedbank Latvia is the largest bank in Latvia serving nearly one million individuals and over 71,000 businesses. The website provides comprehensive banking services including internet and mobile banking, financial advisory, loans, investments, and insurance. The site is well-branded, professionally designed, and optimized for Latvian users with multilingual support. Technically, it uses modern web components and scripts, with good mobile optimization and moderate performance. Security posture is solid with HTTPS and privacy compliance, though some security headers and incident response contacts are not explicitly found. The domain WHOIS data aligns with the bank's identity, indicating legitimacy and trustworthiness. Overall, the website is a reliable and professional digital presence for Swedbank Latvia.

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

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

Keep watching swedbank.lv

This scan found 18 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
62
Security headers
85
Email security
70
DNS health
70
Network security
100
GDPR outside view
40
Average
71

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 Latvia holds a dominant market position as the largest bank in the country by customer base. Its business model focuses on retail and corporate banking with a broad portfolio of financial products and services. The bank leverages a group structure with several subsidiaries specializing in leasing, investment management, pension funds, and insurance. The website reflects a mature digital ecosystem with consent management for GDPR compliance and personalized offers. The target audience includes private individuals and businesses in Latvia. The bank's partnerships and group entities are integrated into the digital experience, enhancing service offerings and customer reach.

Security posture

The website demonstrates a good security posture with enforced HTTPS, Google site verification, and automated consent management for data processing. However, explicit security headers such as Content-Security-Policy and X-Frame-Options are not detected in the provided data. There is no visible security.txt or dedicated incident response contact information, which could improve transparency and vulnerability handling. No vulnerabilities or exposed sensitive data were detected. The site uses modern JavaScript frameworks and accessibility features, though accessibility could be further enhanced. Overall, the security maturity is solid but could benefit from additional hardening and transparency measures.

Recommendations

  1. Implement and publish a security.txt file to facilitate vulnerability disclosures.
  2. Add and enforce security headers like Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  3. Provide clear incident response contact information on the website.
  4. Enhance accessibility features to meet higher standards.
  5. Regularly audit third-party scripts and dependencies for vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Swedbank
Description
Swedbank Latvija ir lielākā banka Latvijā, kuru par savu finanšu partneri ir izvēlējušies gandrīz 1 miljons valsts iedzīvotāju un vairāk nekā 71 000 uzņēmumu.
Key services
Internet banking, Mobile banking, Financial advisory, Loans and mortgages, Investment services, Insurance
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Web Components, Moment.js, Google Site Verification
Frameworks
SharedComponents UI framework
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Google site verification present
  • Use of phone number aria-labels for accessibility
  • Consent management scripts

Analytics and tracking

Services
Adobe Omniture
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Omniture (swedbankab.d3.sc.omtrdc.net)
Marketing tools
Consent management scripts
Transparency
basic

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 challenges.
  2. Content is professional, relevant to banking customers in Latvia.
  3. Strong GDPR and privacy compliance evident with detailed consent management.
  4. Use of modern web components and scripts for UI and accessibility.
  5. No explicit security.txt or incident response contacts found.
  6. WHOIS data consistent with legitimate banking entity.
  7. No suspicious or malicious content detected.
  8. Good use of HTTPS and Google site verification.
  9. External links mostly to postal services and Swedbank group entities.
  10. No adult or questionable content present.
Technical notes

Notes

The website uses a modern tech stack including Web Components and Moment.js for UI and date handling. It leverages a shared UI framework (SharedComponents) for consistent user experience. Hosting appears to be cloud-based with NS1 DNS servers. Performance is moderate with preloading of fonts and images, and mobile optimization is good. SEO is supported by proper meta tags and Open Graph data. The site uses Google site verification and Adobe Omniture for analytics. There is room for improvement in accessibility and security header implementation. Overall, the technical infrastructure supports a professional banking website with scalable and maintainable architecture.
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. 71/100 −7Medium26 findingsView report
  2. 78/100 +5Low22 findingsView report
  3. 73/100Medium20 findingsView report
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