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Is advanzia.com a Scam? Security Check Results - Advanzia Bank S.A.

advanzia.com Security Report Summary

advanzia.com received a security score of 71 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Advanzia Bank S.A.'s website security posture. Advanzia Bank S.A. operates in the Finance industry in Luxembourg.

Advanzia Bank S.A. is a Luxembourg-based digital bank specializing in credit cards and payment solutions for private and corporate customers. Established in 2005, it has grown to become a leading credit card provider in Europe, offering products such as the no-fee Mastercard Gold and Cards-as-a-Service solutions. The website reflects a mature digital presence with multilingual support and a focus on customer engagement through news, careers, and testimonials. Technically, the site is built on Microsoft SharePoint and hosted on Azure, utilizing modern analytics tools like Piwik PRO with appropriate privacy consent mechanisms. Security posture is strong with HTTPS enforcement and security headers, though explicit security policies and incident response information are not publicly detailed. The absence of WHOIS registration data for the domain is a notable concern, potentially indicating privacy protection or registration inconsistencies, which slightly impacts trustworthiness. Overall, the site is professional, secure, and compliant with privacy regulations, serving a broad European customer base.

The security scan identified 24 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, jQuery, Piwik PRO analytics, SharePoint framework.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is advanzia.com Safe? Security Analysis for Advanzia Bank S.A.

https://advanzia.com

Check if advanzia.com is a scam or legitimate. Free security scan and reviews.

FinanceLuxembourgmedium
JavaScriptjQueryPiwik PRO analyticsSharePoint framework
Analyzed 10/12/2025Completed 4:06:51 AM5mo ago
71
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Advanzia Bank S.A. is a Luxembourg-based digital bank specializing in credit cards and payment solutions for private and corporate customers. Established in 2005, it has grown to become a leading credit card provider in Europe, offering products such as the no-fee Mastercard Gold and Cards-as-a-Service solutions. The website reflects a mature digital presence with multilingual support and a focus on customer engagement through news, careers, and testimonials. Technically, the site is built on Microsoft SharePoint and hosted on Azure, utilizing modern analytics tools like Piwik PRO with appropriate privacy consent mechanisms. Security posture is strong with HTTPS enforcement and security headers, though explicit security policies and incident response information are not publicly detailed. The absence of WHOIS registration data for the domain is a notable concern, potentially indicating privacy protection or registration inconsistencies, which slightly impacts trustworthiness. Overall, the site is professional, secure, and compliant with privacy regulations, serving a broad European customer base.

Detected Technologies

JavaScriptjQueryPiwik PRO analyticsSharePoint framework

8 urgent findings need attention

8 high

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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

4 findings

65/100

GDPR Compliance

2 findings

73/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Advanzia operates in the competitive European banking sector with a digital-first business model focused on credit card issuance and payment solutions. Its partnerships with localized Mastercard Gold brands in Germany, Austria, Spain, and Italy indicate a strategic regional approach. The company targets private customers, business partners, and financial institutions, leveraging Cards-as-a-Service offerings to expand its market reach. The website content and testimonials highlight a diverse and international workforce, reinforcing its global operational footprint. The bank's growth and digital transformation journey are emphasized, positioning it as an innovative player in the fintech space. The lack of visible direct contact details suggests a preference for controlled communication channels, likely for security and compliance reasons.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a solid security foundation with HTTPS, modern security headers, and cookie consent mechanisms aligned with GDPR requirements. However, the absence of a published security policy, incident response plan, or vulnerability disclosure program limits transparency. No direct security contact emails or abuse channels are provided, which could hinder incident reporting and response. The use of third-party analytics is managed with consent, reducing privacy risks. No vulnerabilities or exposed sensitive data were detected in the HTML content. Overall, the security posture is good but could be enhanced by publishing explicit security governance documents and contact points.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy and incident response information on the website to improve transparency and trust.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Advanzia Bank S.A.

Description:

Advanzia Bank is a digital bank founded in 2005, specializing in credit cards and payment solutions for private customers and corporate clients. It is a leading credit card provider in Europe, located in Luxembourg and servicing customers worldwide.

Key Services:
no-fee Mastercard Gold credit carddeposit accountsCards-as-a-Service solutions for companies and banks
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
JavaScriptjQueryPiwik PRO analyticsSharePoint framework
Frameworks:
Microsoft SharePoint
Platforms:
Azure (cdn and hosting references)
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • cookie consent mechanism
  • no exposed sensitive data in HTML

Analytics & Tracking

Services:
Piwik PRO
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Piwik PRO
Marketing Tools:
Piwik PRO
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is a professional digital bank site with clear navigation and multilingual support.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

65/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Weak Referrer-Policy configuration

LOW

Current value: "unsafe-url"

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

73/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 mx ip4:80.92.70.160/27 ip4:149.72.132.11 ip4:149.72.208.47 ip4:149.72.237.97 ip4:149.72.160.209 ip4:149.72.243.228 ip4:149.72.196.112 ip4:149.72.243.228 ip4:185.3.46.107 ip4:185.3.46.108 ip4:54.240.11.184 include:spf.protection.outlook.com include:spf.mandrillapp.com include:spf.mailjet.com -all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:dkim(1456-bit rsa)
DMARC Details
Policy:quarantine
Subdomain Policy:quarantine
Aggregate Reports:advanzia-bank-sa@rua.dmp.cisco.com
Forensic Reports:advanzia-bank-sa@ruf.dmp.cisco.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

82/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:40.68.194.205
Name Servers:
ns01.brandshelter.comDNS only
ns02.brandshelter.netDNS only
MX Records:
0: advanzia-com.mail.protection.outlook.com
SOA:Serial: 2025100800, TTL: 300s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:89ms

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does advanzia.com compare?

See how advanzia.com stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on Microsoft SharePoint CMS and hosted on Microsoft Azure, indicating a robust and scalable infrastructure. It uses modern JavaScript libraries including jQuery and integrates Piwik PRO for analytics with user consent management. The site is responsive and optimized for mobile devices, with good accessibility features. Performance is moderate, with room for optimization in loading times. SEO best practices are followed with proper meta tags and structured navigation. The technical stack is mature and well-maintained, supporting the bank's digital service offerings effectively. Opportunities exist to enhance performance and further modernize front-end technologies.
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Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainadvanzia.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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