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Security report for unionbank.ba

Union Banka d.d. Sarajevo · Finance · Bosnia and Herzegovina

Medium risk. 8 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

54/100

Risk levelMedium

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

Union Banka d.d. Sarajevo is a well-established financial institution in Bosnia and Herzegovina, providing a broad range of banking services including accounts, loans, cards, savings, and digital banking platforms such as eUnion and mUnion. The bank targets both individual and corporate clients, with a notable focus on energy efficiency financing and sustainable banking initiatives. The website reflects a mature digital infrastructure built on modern technologies like React and Next.js, offering fast performance and excellent mobile optimization. Security measures such as HTTPS, security headers, and Google reCAPTCHA v3 are implemented, though explicit security policies and incident response information are not publicly detailed. Overall, the bank demonstrates a strong market position with consistent branding and trust indicators, supported by legitimate WHOIS registration data.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

8 findings rated critical or high. Fix these first.

  1. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

      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

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

Keep watching unionbank.ba

This scan found 22 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.

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
37
Security headers
55
Email security
75
DNS health
80
Network security
40
GDPR outside view
35
Average
54

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

Union Banka operates in the finance sector with a medium-sized footprint in Bosnia and Herzegovina. It leverages partnerships with government and international organizations to offer specialized credit lines, particularly in energy efficiency. The bank's business model combines traditional retail and corporate banking with digital services, enhancing customer convenience and operational efficiency. Its competitive advantages include a long-standing market presence, diversified product offerings, and a growing digital ecosystem. The bank maintains active social media channels and provides transparent legal and tariff documentation, supporting customer trust and regulatory compliance.

Security posture

The website exhibits a solid security posture with enforced HTTPS, comprehensive security headers, and integration of Google reCAPTCHA v3 to mitigate automated abuse. However, the absence of a publicly accessible security policy, incident response plan, or vulnerability disclosure program limits transparency. No vulnerabilities or exposed sensitive data were detected in the analysis. The bank should consider publishing detailed security and privacy policies and establishing clear incident response contacts to enhance stakeholder confidence and regulatory compliance.

Recommendations

  1. Publish a dedicated security policy and incident response information on the website.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide contact details for a Data Protection Officer or privacy contact.
  4. Enhance transparency regarding data retention and privacy compliance measures.
  5. Regularly review and audit third-party scripts and dependencies for security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Union Banka d.d. Sarajevo
Description
Union Banka is a financial institution offering banking services including accounts, loans, cards, savings, and digital banking solutions. It targets both individual and corporate clients with a focus on energy efficiency loans and sustainable banking.
Key services
Current accounts, Loans (consumer, housing, energy efficiency), Credit and debit cards, Savings products, Digital banking (eUnion, mUnion)
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Google reCAPTCHA v3, Google Maps API
Frameworks
Next.js
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA v3
  • Secure cookie consent mechanism

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Tracking pixels
Google reCAPTCHA
Transparency
basic

Site quality

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

Key observations

  1. Professional banking website with comprehensive service offerings.
  2. Strong digital presence with mobile app and online banking.
  3. Good security posture with HTTPS and security headers.
  4. Lacks explicit security policy and incident response info.
  5. Clear contact and legal information provided.
  6. No signs of suspicious or malicious content.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, ensuring server-side rendering and optimized performance. It uses Google reCAPTCHA v3 for bot mitigation and Google Maps API for location services. The site is mobile-optimized with responsive design and accessibility considerations. SEO is supported by proper meta tags and Open Graph data. Hosting details are not explicitly identified but performance indicators suggest a well-configured environment. The technical stack supports scalability and user experience but could benefit from enhanced security transparency and documentation.
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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