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Security report for teambank.de

TeamBank · Finance · Germany

Medium risk. 5 critical or high findings in GDPR outside view and Security headers.

Security score

56/100

Risk levelMedium

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

TeamBank AG operates as a significant player in the German and Austrian consumer finance market, primarily through its easyCredit product family. The company focuses on providing liquidity solutions and flexible financing options such as consumer loans and installment purchases. Their market position is reinforced by strategic partnerships, including naming rights and sponsorship of the easyCredit Basketball Bundesliga. The website reflects a mature digital presence with comprehensive content, clear navigation, and strong branding consistency. Technically, the site is built on WordPress with modern SEO and accessibility practices, but suffers from critical security shortcomings due to the absence of a valid SSL certificate and lack of HTTPS enforcement. Privacy compliance is well addressed with visible cookie consent mechanisms and detailed privacy policies. Overall, the business demonstrates strong credibility and customer focus but must urgently address its security posture to protect user data and maintain trust.

Scanned

This is an earlier scan of teambank.de. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 100 · Critical
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

5 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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. 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"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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  • TLS certificates and expiry
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  • 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
50
Security headers
30
Email security
65
DNS health
75
Network security
100
GDPR outside view
18
Average
56

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 teambank.de, from OffSeq Breach.

Total records
1,821
Employees
0
Customers
1,810
Third parties
11
Weak passwords
5%

6 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 teambank.de.

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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

TeamBank's business model centers on consumer credit products distributed via cooperative banks and direct channels, targeting retail customers seeking flexible financing. Their competitive advantage lies in brand recognition, product diversity, and embedded finance solutions that simplify purchase processes. Revenue streams likely include interest income from loans and fees from payment services. The company maintains a robust partnership ecosystem, including regional and product-specific partners. Growth indicators include recent awards and ongoing sponsorships. The website content and structure indicate a customer-centric approach with emphasis on digital excellence and risk management. Strategic observations suggest a focus on expanding embedded finance and digital transformation to sustain market competitiveness.

Security posture

The current security posture of the TeamBank website is weak due to the lack of a valid SSL certificate and absence of HTTPS support, exposing users to potential data interception risks. No security headers are implemented, and modern TLS protocols are disabled, which further degrades security. While no immediate vulnerabilities like malware or phishing indicators were detected, these fundamental security gaps represent critical risks that could impact business operations and customer trust. Privacy policies and cookie consent mechanisms are well implemented, indicating awareness of compliance requirements. However, incident response and vulnerability disclosure policies are not publicly available, suggesting room for improvement in security governance and transparency.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable HTTP Strict Transport Security (HSTS) with includeSubDomains and preload options to enforce secure connections.
  3. Implement essential security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  4. Enable OCSP stapling to improve certificate revocation checking and reduce latency.
  5. Publish clear security policies including incident response and vulnerability disclosure to enhance transparency and trust.

Contact details published on the site

Addresses
Legal name
TeamBank AG
Technical notes

Notes

The website is hosted on infrastructure associated with Noris Network AG, using WordPress CMS with Yoast SEO plugin for optimization. The tech stack includes JavaScript modules, Algolia for search functionality, and Usercentrics for consent management. Performance is suboptimal with a load time exceeding 10 seconds and a large page size (~336 KB). Mobile optimization and accessibility are good, with responsive images and ARIA attributes. SEO is well addressed with meta tags, Open Graph, and JSON-LD structured data. However, the absence of HTTPS and modern TLS protocols is a significant technical risk. The site uses multiple external domains for analytics, marketing, and content delivery, all reputable. Overall, the technical infrastructure supports a modern user experience but requires urgent security upgrades.
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. 57/100Medium29 findingsView report
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