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Security report for zkb.ch

Zürcher Kantonalbank · Finance · Switzerland

Low risk. 1 critical or high finding in SSL/TLS.

Security score

83/100

Risk levelLow

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

Zürcher Kantonalbank is a well-established Swiss universal bank with over 150 years of history, offering a broad range of financial services including private banking, retail banking, mortgages, investment, and digital banking solutions. The website reflects a mature digital presence with comprehensive service information targeting private clients in Switzerland. The bank positions itself as a secure and trusted financial institution with strong local roots. Technically, the site uses Adobe Experience Manager as its CMS, integrates OneTrust for cookie consent, and employs Adobe Analytics for user tracking. The site is mobile-optimized, accessible, and SEO-friendly. Security posture is strong with HTTPS enforced and consent mechanisms in place, though explicit security policies and incident response contacts are not found. Overall, the domain registration and WHOIS data align well with the bank's identity, supporting legitimacy and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. 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 zkb.ch

This scan found 14 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
80
Email security
70
DNS health
90
Network security
100
GDPR outside view
83
Average
83

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 holds a significant market position in Swiss banking, leveraging its long history and local identity. Its business model focuses on universal banking services with a strong emphasis on private clients and wealth management. The website's detailed navigation and content indicate a customer-centric approach with multiple service verticals such as accounts, mortgages, investments, and pension planning. Partnerships with Swisscanto and frankly indicate strategic alliances in asset management and digital pension services. The bank's digital maturity is evident through modern web technologies and analytics integration, supporting data-driven marketing and customer engagement.

Security posture

The website demonstrates a solid security foundation with HTTPS, use of nonce attributes in scripts, and cookie consent management via OneTrust. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms suggests room for improvement in transparency and readiness. The use of Adobe Analytics and third-party scripts necessitates ongoing security audits to mitigate supply chain risks. Overall, the security posture is good but could be enhanced by publishing formal security documentation and contact channels.

Recommendations

  1. Publish a clear and accessible privacy policy and terms of service on the main site.
  2. Add a dedicated security policy page including incident response contact information.
  3. Implement and publish a vulnerability disclosure policy or security.txt file.
  4. Ensure all security headers (X-Frame-Options, X-Content-Type-Options) are explicitly set and documented.
  5. Regularly audit third-party scripts and tracking tools for security and privacy compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Zürcher Kantonalbank
Description
Wir haben 100 % Zürcher DNA und sind eine der sichersten Universalbanken weltweit. Wir setzen uns für die Lösung Ihrer individuellen finanziellen Bedürfnisse ein.
Key services
Private banking, Retail banking accounts and cards, Mortgages and real estate financing, Investment and asset management, Digital banking services, Pension and retirement planning, Tax advisory
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), OneTrust Consent Management, Vue.js, Adobe Analytics (AEP Launch), SVG graphics, JavaScript, CSS
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of OneTrust for cookie consent
  • No exposed sensitive data in HTML
  • Secure login links for eBanking
  • Use of nonce attributes in scripts

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe Analytics, OneTrust Consent Management
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-structured
  2. Content is comprehensive and relevant to private banking and financial services
  3. Strong branding and consistent messaging
  4. Use of modern web technologies and analytics
  5. Cookie consent mechanism implemented via OneTrust
  6. No explicit privacy policy or terms of service found on the main page
  7. Contact information is primarily via contact pages, no direct emails or phone numbers found in main HTML
  8. No security.txt or vulnerability disclosure found
  9. No signs of WAF blocking or security challenges
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, indicating a strong technical infrastructure. It uses modern JavaScript frameworks like Vue.js and integrates Adobe Analytics for data collection. The site is mobile-optimized and accessible, with responsive design and skip links for navigation. Performance appears moderate, with optimized images and asynchronous script loading. The use of OneTrust for cookie consent shows compliance with privacy regulations. Hosting details are not explicit but likely enterprise-grade given the bank's profile. Opportunities exist to enhance performance and security header implementation.
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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