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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 residents and over 71,000 businesses. The website provides comprehensive financial services including internet and mobile banking, loans, investments, and insurance products. It targets Latvian private individuals and businesses, positioning itself as a leading financial partner in the region. The technical infrastructure uses modern web components and fonts, with localized content primarily in Latvian and English. The site is hosted with DNS services consistent with Swedbank's infrastructure and employs HTTPS with good security practices. Privacy and consent management are well implemented, reflecting GDPR compliance. However, explicit security policies and incident response contacts are not directly visible on the site. Overall, the website demonstrates a mature digital presence with strong business credibility and moderate to good technical and security posture.

Scanned

This is an earlier scan of swedbank.lv. View the latest report

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 operates as a key player in the Latvian banking sector, leveraging its affiliation with the Swedbank Group. Its business model focuses on retail and corporate banking, offering a wide range of financial products and personalized services such as the 'Mans budžets' personal finance tool. The bank maintains a strong partnership ecosystem including postal services for customer convenience. The website content and structure indicate a focus on customer data privacy and regulatory compliance, which is critical in the financial industry. Growth indicators include digital service enhancements and personalized marketing. The bank's market position is reinforced by its large customer base and comprehensive service offerings.

Security posture

The website enforces HTTPS and uses Google site verification, indicating a secure baseline. It employs accessibility features such as ARIA labels for phone numbers. However, the absence of explicit security headers like Content Security Policy (CSP), HSTS, and X-Frame-Options suggests room for improvement. No vulnerabilities or exposed sensitive data were detected in the analysis. The lack of a public security policy or incident response contact information is a gap in transparency. The site uses automated data processing for personalized offers, which is disclosed in privacy notices, aligning with GDPR requirements. Overall, the security posture is solid but could benefit from enhanced header configurations and published security policies.

Recommendations

  1. Implement and enforce security headers such as CSP, HSTS, and X-Frame-Options to strengthen protection against common web attacks.
  2. Publish a clear security policy and provide incident response contact channels (e.g., security@ or abuse@ emails) to improve transparency and trust.
  3. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility compliance to meet higher standards, improving usability for all users.
  5. Regularly audit and update third-party scripts and libraries to mitigate risks from outdated or vulnerable components.
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, Loans and mortgages, Investment services, Insurance products, Personal finance management tool 'Mans budžets'
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Web Components (webjars/webcomponents 3.20.0), Roboto and custom fonts, Moment.js for date localization
Frameworks
SharedComponents UI framework (custom), Moment.js
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Google site verification present
  • Use of phone number accessibility features (aria-labels)

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics (swedbankab.d3.sc.omtrdc.net)
Marketing tools
Adobe Analytics
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 primarily in Latvian with English translations available.
  3. Strong focus on privacy and consent management for GDPR compliance.
  4. Use of modern web components and fonts for UI consistency.
  5. No explicit security policy or incident response contacts found on the page.
  6. No vulnerability disclosure or security.txt file detected.
  7. Contact information is present but no direct security contact emails found.
  8. Website integrates Adobe Analytics for user behavior tracking.
  9. No suspicious or malicious content detected.
  10. Business information is clear and consistent with a major Latvian bank.
Technical notes

Notes

The website uses a modern JavaScript-based UI framework with web components and preloaded custom fonts for a consistent user interface. Localization is handled via Moment.js and custom label sets. DNS hosting is managed by NS1, a reputable DNS provider. The site loads external resources such as Adobe Analytics for tracking user behavior. Performance is moderate with prefetch and preload hints for fonts and images. Mobile optimization is good, with viewport meta tags and responsive design elements. SEO is basic but present with meta descriptions and Open Graph tags. No CMS was explicitly detected, suggesting a custom or proprietary platform. Overall, the technical infrastructure supports a professional banking website with opportunities for further optimization and security hardening.
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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