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Security report for unicreditbank.cz

UniCredit Bank · Finance · Czech Republic

Medium risk. 5 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

73/100

Risk levelMedium

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

UniCredit Bank is a well-established financial institution in the Czech Republic offering a comprehensive range of retail banking services including accounts, loans, mortgages, savings, investments, and insurance. The website targets individual customers with a strong emphasis on digital banking solutions and convenient access to banking products. The site demonstrates a mature digital presence with modern technologies and analytics integration, supporting a seamless user experience across devices. Security posture is solid with HTTPS and Content-Security-Policy headers, though additional security headers could enhance protection. Privacy compliance is evident with clear cookie and privacy policies and consent mechanisms. Overall, the website reflects a professional and trustworthy banking brand with a strong market position in the Czech banking sector.

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

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 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, Twitter, LinkedIn, YouTube

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

  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 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';…

  3. 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 unicreditbank.cz

This scan found 17 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
72
Security headers
70
Email security
70
DNS health
85
Network security
100
GDPR outside view
40
Average
73

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

The bank operates primarily in the retail banking sector, focusing on individual customers in the Czech Republic. Its business model revolves around providing a broad portfolio of financial products supported by digital channels and physical branches. The presence of partner domains such as Allianz for insurance and dedicated campaign and career portals indicates a well-integrated ecosystem. The company leverages advanced analytics and marketing tools to optimize customer engagement. The website content and structure suggest a large enterprise with consistent branding and high-quality content aimed at building trust and facilitating customer acquisition and retention.

Security posture

The website employs HTTPS with a strong SSL configuration and includes a Content-Security-Policy header, indicating a good baseline security posture. Service workers are registered to enhance performance and offline capabilities. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of additional security headers like X-Frame-Options and Strict-Transport-Security represents an area for improvement. There is no visible security.txt or incident response information, which could be added to improve transparency and readiness. Overall, the security posture is good but can be enhanced with additional best practices.

Recommendations

  1. Implement additional security headers such as X-Frame-Options, X-XSS-Protection, and Strict-Transport-Security to strengthen defense-in-depth.
  2. Publish a security.txt file and incident response policy to improve vulnerability disclosure and incident handling transparency.
  3. Regularly audit and update third-party libraries and scripts to mitigate potential vulnerabilities.
  4. Enhance privacy compliance by clearly stating data retention policies and user rights related to personal data.
  5. Maintain and improve mobile optimization and accessibility to ensure inclusive user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
UniCredit Bank
Description
UniCredit Bank provides banking services including accounts, loans, mortgages, savings, investments, and insurance primarily targeting individual citizens.
Key services
Current accounts, Loans and mortgages, Savings and investments, Insurance products, Digital banking services
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Analytics, Tealium, Persoo, Luigisbox, jQuery, Bootstrap, Material Icons, Service Workers
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content-Security-Policy header present
  • Service Worker registered
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Adobe Analytics, Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics, Tealium, Persoo
Marketing tools
Persoo, Tealium
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content
  2. No WHOIS data available, likely privacy protected
  3. Strong focus on retail banking products for individuals
  4. Good use of modern web technologies and analytics
  5. Security headers partially implemented
  6. Privacy and cookie policies present with consent mechanism
  7. Contact information includes phone and contact forms
  8. No signs of phishing or malware
  9. No adult or questionable content detected
Technical notes

Notes

The website is built on Adobe Experience Manager (AEM), leveraging modern JavaScript libraries and frameworks including jQuery and Bootstrap. It integrates advanced analytics tools such as Adobe Analytics and Tealium, as well as marketing personalization via Persoo. The site uses service workers for progressive web app features. Performance is moderate with room for optimization. The site is mobile responsive and includes accessibility features such as skip links and ARIA roles. SEO is supported by proper meta tags and structured navigation. 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. 59/100Medium21 findings · partial scanView report
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