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Security report for tomorrow.one

Tomorrow GmbH · Finance · Germany

Low risk. 2 critical or high findings in GDPR outside view.

Security score

77/100

Risk levelLow

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

Tomorrow GmbH is a sustainable mobile banking service provider operating primarily in Germany and select European countries. The company offers a range of bank accounts focused on sustainability, including the Now, Change, and Zero accounts, as well as investment products and savings accounts with competitive interest rates. Their market position is that of a challenger bank with a strong emphasis on climate protection and social impact, supported by a regulated banking partner, Solaris SE. The website demonstrates a mature digital presence with excellent content quality, user experience, and SEO optimization. However, a critical security gap exists due to the absence of a valid SSL certificate and lack of HTTPS support, which undermines user trust and data security. The company has implemented privacy and cookie policies with consent mechanisms, and holds a B Corp certification, enhancing its trustworthiness. Strategic partnerships with Solaris SE, lemon.markets, and Qwist strengthen its service offerings and operational capabilities.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

2 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.

    • 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

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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
100
Security headers
85
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
Average
77

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

Tomorrow GmbH targets environmentally conscious consumers seeking sustainable banking solutions. Their business model combines mobile banking with climate impact investing and offers flexible account options with transparent pricing. Revenue streams likely include monthly account fees, investment brokerage commissions, and value-added services. The company leverages partnerships with regulated financial institutions and technology providers to deliver services efficiently. Growth indicators include a user base exceeding 124,000 customers, over 19,000 positive app store ratings, and €107 million invested sustainably. The company maintains active community engagement and transparent reporting through sustainability reports and a public roadmap. Their competitive advantage lies in combining financial services with strong sustainability credentials and user-friendly mobile technology.

Security posture

The current security posture shows foundational email security controls such as SPF and DMARC with a quarantine policy, reducing phishing risks. However, the lack of a valid SSL certificate and disabled TLS protocols represent significant vulnerabilities, exposing users to potential data interception and undermining secure communications. The absence of HSTS, OCSP stapling, and session resumption further weakens the security posture. No explicit incident response or vulnerability disclosure policies were found, indicating potential gaps in security governance and transparency. The company complies with GDPR as evidenced by comprehensive privacy policies and cookie consent mechanisms. Overall, the security maturity is moderate but requires urgent improvements in transport layer security to protect customer data and maintain trust.

Recommendations

  1. Immediately deploy and maintain a valid SSL/TLS certificate to enable HTTPS across all domains.
  2. Enable TLS 1.2 or higher protocols and disable all insecure SSL/TLS versions.
  3. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  4. Enable OCSP stapling to improve certificate revocation checking performance and security.
  5. Develop and publish a formal vulnerability disclosure policy and incident response plan.
  6. Enhance transparency by providing clear security contact channels such as security@ or abuse@ emails.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, with assets hosted on AWS infrastructure and content managed via Contentful CMS. Performance is moderate with a page load time of approximately 7.7 seconds and 52 resources loaded. Mobile optimization is excellent with responsive images and app store integration. SEO is supported by structured data (JSON-LD) for organization, website, mobile applications, and FAQ content. The site integrates marketing and analytics tools such as Mixpanel and Adjust for user behavior tracking and campaign measurement. Despite a strong technical foundation, the lack of HTTPS and valid SSL certificate is a critical technical risk that must be addressed to ensure secure user interactions and compliance with best 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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