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Security report for vub.sk

VÚB banka · Finance · Slovakia

Medium risk. 4 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

VÚB banka is a major Slovak banking institution offering a wide range of financial services including accounts, loans, mortgages, investments, insurance, and electronic banking. The website reflects a professional and modern digital presence with clear navigation and comprehensive service offerings targeting individuals, businesses, and public sectors. The bank is part of the Intesa Sanpaolo Group, indicating strong market positioning and credibility. Technically, the website employs modern web technologies such as Google Tag Manager, Cloudinary CDN, and Apple Business Chat integration, ensuring good performance and user experience across devices. Security posture is solid with HTTPS enforced, cookie consent mechanisms, and no visible vulnerabilities or exposed sensitive data. However, explicit security policies and incident response contacts are not publicly available, which could be improved. Overall, the website is trustworthy, GDPR compliant, and provides a safe browsing environment for its users.

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

4 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: Google Analytics, Facebook, LinkedIn, YouTube

      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.

    • 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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This scan found 19 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
67
Security headers
75
Email security
70
DNS health
75
Network security
100
GDPR outside view
40
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 with a focus on retail and corporate banking. Its business model includes traditional banking products and digital services, supported by a strong parent company, Intesa Sanpaolo. The website's content and structure indicate a mature digital strategy aimed at enhancing customer engagement and service accessibility. Partnerships such as leasing services are integrated, expanding the bank's service ecosystem. The absence of direct contact emails or phone numbers on the main page suggests a controlled communication channel, likely to manage customer interactions securely. The bank's market position is strong within Slovakia, supported by consistent branding and comprehensive service coverage.

Security posture

The website demonstrates a good security maturity level with enforced HTTPS, use of security headers (implied), and a cookie consent mechanism aligned with GDPR requirements. No critical vulnerabilities or exposed sensitive information were detected in the HTML content. However, the lack of a published security policy, incident response information, or a security.txt file indicates room for improvement in transparency and vulnerability management. The use of third-party scripts like Google Tag Manager and Vivocha is standard but requires ongoing monitoring to mitigate supply chain risks. Overall, the security posture is robust but could benefit from enhanced disclosure and incident readiness.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and user protections.
  2. Provide clear incident response contact information, including security or abuse email addresses.
  3. Implement and publish a security.txt file to facilitate responsible vulnerability disclosure.
  4. Enhance visibility of official contact emails and phone numbers for customer support and security reporting.
  5. Regularly audit and update third-party scripts and dependencies to minimize security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
VÚB banka
Description
Získajte prístup k rôznym bankovým službám na webovej stránke VÚB. Bezpečné a spoľahlivé riešenia. Moderné bankovanie a individuálny prístup.
Key services
Accounts and payments, Loans and mortgages, Savings and investments, Insurance, Leasing, Electronic banking
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Modernizr, Cloudinary CDN, Apple Business Chat, Bootstrap (implied by modal classes), Lazy loading images
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of async scripts to improve loading

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Vivocha (customer engagement/chat)
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong focus on user privacy with cookie consent and GDPR compliance.
  3. No direct contact emails or phone numbers visible in the main HTML; contact via contact page.
  4. Use of modern web technologies and CDNs for performance.
  5. No visible security policy or incident response information.
  6. No security.txt or vulnerability disclosure page found.
  7. Content is fully accessible with no blocking or WAF challenges.
Technical notes

Notes

The website uses a modern tech stack with asynchronous JavaScript loading, CDN-hosted assets, and lazy loading for images, contributing to good performance and user experience. The presence of Google Tag Manager and analytics services indicates a data-driven approach to user engagement. Accessibility features such as skip links and ARIA labels are implemented, enhancing usability. The site is mobile optimized with responsive design elements. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting details are not disclosed. Performance is moderate, with potential for further optimization. Technical risks are minimal but should be managed through continuous monitoring and updates.
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. 74/100Medium26 findingsView report
  2. 74/100Medium26 findingsView report
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