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Security report for weststeincard.com

WestStein · Finance · Lithuania

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

WestStein is a digital financial services provider offering online current accounts with Lithuanian IBANs and prepaid debit Mastercard cards. The company targets individuals seeking a modern, cost-effective alternative to traditional banks within the EU, emphasizing fast onboarding, mobile app access, and integration with Apple Pay and Google Pay. The website is well-designed, multilingual, and optimized for mobile, reflecting a mature digital infrastructure built on Next.js and React, hosted behind Cloudflare DNS. Security posture is strong with HTTPS, security headers, and Mastercard 3D Secure protections, though minor improvements like enabling DNSSEC and publishing a security.txt file are recommended. Privacy compliance is robust with clear cookie consent and privacy policies. The domain registration is consistent and appropriate for the business age, supporting legitimacy. Social media presence and customer testimonials further enhance trust. Overall, WestStein presents a professional, secure, and user-friendly digital banking platform.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 100 · Medium
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

6 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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 weststeincard.com

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

€25per month

  • 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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Full report

€39.90one-time

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
47
Security headers
20
Email security
85
DNS health
75
Network security
100
GDPR outside view
73
Average
67

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

WestStein operates in the competitive digital banking sector, leveraging partnerships with Mastercard and PFS Card Services (Ireland) Limited for card issuance and regulatory compliance. Its business model focuses on prepaid debit cards with Lithuanian IBAN accounts, targeting EU residents and freelancers needing fast, flexible banking solutions. The company offers value-added services like discounted hotel bookings and telemedicine consultations, positioning itself as a modern financial ecosystem. The website's multilingual support and mobile app availability indicate a strategy to capture diverse European markets. Customer reviews and Trustpilot integration suggest positive user experiences, supporting growth and market credibility. The absence of direct company contact emails or phone numbers on the website may be a strategic choice to channel support through portals and social media.

Security posture

WestStein demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and use of Mastercard 3D Secure and two-factor verification for online transactions. No exposed sensitive data or vulnerable libraries were detected in the website content. However, the lack of a published security policy or incident response contact limits transparency in security governance. DNSSEC is not enabled, representing a minor DNS security gap. No security.txt or vulnerability disclosure policy was found, which could hinder responsible vulnerability reporting. Overall, the security measures align well with industry standards for fintech platforms, but improvements in transparency and DNS security are advisable.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish a security.txt file to facilitate responsible vulnerability disclosures.
  3. Add a dedicated security policy page outlining security practices and incident response procedures.
  4. Provide explicit incident response contact channels such as security@ or abuse@ email addresses.
  5. Maintain and regularly audit third-party scripts and tracking pixels to minimize privacy risks.

Contact details published on the site

Addresses
Legal name
PFS Card Services (Ireland) Limited
Registration number
590062
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
WestStein
Description
WestStein offers an online current account with a free debit Mastercard, featuring a Lithuanian IBAN, fast virtual card issuance, and services including salary receipt, shopping, and SEPA payments in EUR.
Key services
Online current account with Lithuanian IBAN, Debit Mastercard with Apple Pay and Google Pay support, Mobile app and online customer portal, Fast identity verification, Secondary cards for family members, Discounted hotel bookings and EU doctor consultations
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Cloudflare DNS, Google Tag Manager, Facebook Pixel, LinkedIn Insight Tag
Frameworks
Next.js
Platforms
Web, iOS, Android
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of 2-step verification for online purchases
  • Mastercard 3D Secure protection
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Analytics (via GTM), LinkedIn Insight, Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, LinkedIn Insight Tag
Marketing tools
Facebook Pixel, LinkedIn Insight Tag
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 and multiple language support
  2. Strong branding and consistent messaging across languages
  3. Focus on digital banking services with Mastercard partnership
  4. Good use of modern web technologies and performance optimization
  5. Privacy and cookie policies are present with consent mechanisms
  6. No direct company contact emails or phone numbers found on main pages
  7. Social media presence is strong with multiple platforms linked
  8. No explicit security or incident response contact information found
  9. No security.txt or vulnerability disclosure policy detected
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, ensuring server-side rendering and good performance. Hosting appears to leverage Cloudflare DNS services, contributing to fast content delivery and security. The site is mobile-optimized with responsive design and accessibility considerations. SEO is well addressed with proper meta tags and Open Graph data. Analytics and marketing tools include Google Tag Manager, Facebook Pixel, and LinkedIn Insight Tag, enabling moderate user tracking with cookie consent mechanisms in place. No CMS was detected, indicating a custom or headless CMS approach. Overall, the technical infrastructure is robust, scalable, and aligned with best practices for fintech digital platforms.
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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