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Security report for unicreditbank.hu

UniCredit Bank Hungary Zrt. · Finance · Hungary

Partial score · DNS & email only

56/100

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

UniCredit Bank Hungary Zrt. operates a comprehensive banking website targeting private individuals in Hungary, offering loans, savings, insurance, and digital banking services. The site is professionally designed, mobile-optimized, and integrates modern analytics and marketing technologies. Security measures include HTTPS, Content Security Policy, and service worker registration, reflecting a mature security posture. Privacy and cookie policies are clearly presented and GDPR compliant. The domain registration data aligns with the business identity, supporting legitimacy and trust. Overall, the website demonstrates a strong digital presence and operational maturity suitable for a large financial institution.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
6of 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

      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

      Third-party services without privacy policy

      Detected services: Google Analytics

      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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

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

Keep watching unicreditbank.hu

This scan found 13 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

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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
0
Email security
70
DNS health
85
Network security
100
GDPR outside view
25
Average
56

Not counted

  • Security headers: did not complete in this scan.
  • 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 positions itself as a major player in the Hungarian retail banking sector, leveraging its parent company UniCredit Group's brand and resources. It offers a broad portfolio of financial products tailored to individual customers, including consumer loans, mortgages, savings products, and insurance. The business model focuses on both traditional and digital channels, with active promotion of mobile banking apps and online account opening. The website content and navigation are designed to facilitate customer engagement and product uptake. Partnerships and parent company relationships are clearly indicated, enhancing credibility.

Security posture

The website employs HTTPS with strong SSL configuration and a Content Security Policy to mitigate common web vulnerabilities. The presence of service workers indicates modern web practices. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the CSP includes 'unsafe-eval' and 'unsafe-inline', which could be tightened for improved security. No explicit incident response or security policy pages were found, suggesting an area for enhancement. Overall, the security posture is solid but could benefit from additional transparency and policy disclosures.

Recommendations

  1. Strengthen Content Security Policy by removing 'unsafe-eval' and 'unsafe-inline' directives where feasible.
  2. Publish a dedicated security policy and incident response information to improve transparency.
  3. Implement and publish a security.txt file to facilitate vulnerability reporting.
  4. Provide public contact details for the Data Protection Officer to enhance GDPR compliance visibility.
  5. Regularly audit third-party scripts and dependencies to ensure no vulnerabilities are introduced.

Contact details published on the site

Addresses
Legal name
UniCredit Bank Hungary Zrt.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
UniCredit Bank Hungary Zrt.
Description
Az UniCredit Bank személyi kölcsönöket, lakáshiteleket, megtakarítási és biztosítási termékeket kínál, valamint digitális banki szolgáltatásokat nyújt magánszemélyek számára.
Key services
hitelek, lakáshitelek, személyi kölcsönök, megtakarítások, biztosítások, digitális banki szolgáltatások, internetbank, mobilalkalmazás
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Analytics, Tealium, jQuery, Bootstrap, Google Tag Manager, Service Workers
Frameworks
Adobe Experience Manager (AEM)
Platforms
Web, Mobile (Android, iOS apps)
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

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

Analytics and tracking

Services
Adobe Analytics, Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads (AW-970472388)
Tracking pixels
Adobe Analytics, Tealium
Marketing tools
Tealium
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well maintained.
  2. Clear focus on banking products and services for Hungarian private individuals.
  3. Strong digital presence with mobile app promotion and online banking.
  4. Comprehensive legal and privacy documentation available.
  5. Good security posture with HTTPS and CSP headers.
  6. No signs of suspicious or malicious content.
  7. Active social media presence on LinkedIn and YouTube.
  8. Use of modern analytics and marketing tools.
Technical notes

Notes

The website is built on Adobe Experience Manager, leveraging jQuery, Bootstrap, and modern JavaScript frameworks. It integrates Adobe Analytics and Tealium for marketing and analytics purposes, alongside Google Tag Manager and Google Ads for advertising and retargeting. The site is mobile-optimized with responsive design and supports service workers for offline capabilities. Performance is moderate, with potential for optimization. Accessibility features are present but could be further enhanced. SEO practices are good, with proper meta tags and structured navigation. The technical infrastructure reflects a mature enterprise-grade web platform.
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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