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Security report for v-mn.de

Volksbank Mittlerer Neckar eG · Finance · Germany

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Volksbank Mittlerer Neckar eG is a regional cooperative bank in Germany focused on providing banking and financial services to private customers. The website targets private customers and emphasizes the strength of the cooperative banking group. The site uses modern web technologies including Angular and Angular Material, with performance monitoring via Dynatrace. The technical infrastructure appears solid with HTTPS enabled and a professional design, although some security best practices such as security headers and explicit privacy policies are missing. No signs of blocking or WAF interference were detected, allowing full content access. Overall, the site is professional and trustworthy but could improve transparency and compliance by adding privacy, cookie, and security policies.

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

3 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

  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.

    • 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

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Keep watching v-mn.de

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.

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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
77
Security headers
85
Email security
55
DNS health
65
Network security
100
GDPR outside view
43
Average
71

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 in the finance sector as a cooperative entity serving private customers. Its business model revolves around cooperative banking principles, leveraging group strength to serve customer needs. The website content and branding are consistent and professional, indicating a medium-sized regional bank. The absence of detailed business registration or certification information limits deeper business intelligence. The external domains used are primarily related to hosting and content delivery, suggesting partnerships with service providers like Atruiva. The bank's market position is regional with a focus on private customers, and the website supports this with relevant content and services.

Security posture

The website enforces HTTPS, which is a fundamental security measure. However, no explicit security headers were detected in the provided data, which could expose the site to certain web-based attacks. There is no visible information about security policies, incident response, or vulnerability disclosure, which are important for transparency and trust. The presence of Dynatrace monitoring indicates some level of operational security and performance oversight. Overall, the security posture is moderate but could be enhanced by implementing security headers, publishing security policies, and providing incident response contacts.

Recommendations

  1. Implement and publish comprehensive privacy and cookie policies to improve GDPR compliance and user trust.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance web security.
  3. Provide clear incident response and vulnerability disclosure information to demonstrate security readiness and transparency.
  4. Include contact information such as emails and phone numbers prominently to improve business credibility and user support.
  5. Regularly audit and update the technical stack and security measures to maintain a strong security posture and compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Volksbank Mittlerer Neckar eG
Description
Für die Ziele und Wünsche unserer Privatkundinnen und Privatkunden. setzen wir als Genossenschaftsbank auf die Stärke unserer Gruppe. Mehr Infos bei Ihrer Volksbank Mittlerer Neckar eG.
Key services
Banking services for private customers, Financial products, Cooperative banking
Content quality
good
Branding
consistent

Technology

Stack
Angular (indicated by cdk and mat-mdc components), JavaScript, CSS, Ruxit agent (Dynatrace monitoring)
Frameworks
Angular Material
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced

Analytics and tracking

Services
Dynatrace
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Dynatrace (ruxitagentjs)
Marketing tools
Dynatrace
Transparency
basic

Site quality

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

Key observations

  1. Website is accessible and not blocked by WAF or security mechanisms.
  2. No explicit privacy, cookie, or terms of service policies found in the provided content.
  3. No contact emails or phone numbers explicitly found in the truncated HTML content.
  4. Site uses modern Angular framework with Angular Material components.
  5. Dynatrace monitoring script is present indicating performance and user monitoring.
  6. No visible security headers detected in provided data; SSL is enabled.
  7. Content is professional and relevant to private banking customers in Germany.
  8. No vulnerability disclosure or incident response information found.
  9. No data protection officer contact information found.
  10. No certifications or trust badges explicitly found in the content.
Technical notes

Notes

The website is built using Angular framework with Angular Material components, indicating a modern and maintainable front-end architecture. The use of Dynatrace for monitoring suggests attention to performance and user experience. The site is mobile optimized and has good navigation clarity. However, no CMS was explicitly detected, implying a custom or proprietary solution. Performance is moderate, with room for improvement in SEO and accessibility features. The lack of visible security headers and privacy compliance elements indicates technical debt in security and compliance areas. Overall, the technical infrastructure is solid but could benefit from enhancements in security and compliance implementations.
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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