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Is bank.lv a Scam? Security Check Results - Latvijas Banka

bank.lv Security Report Summary

bank.lv received a security score of 69 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Latvijas Banka's website security posture. Latvijas Banka operates in the Finance industry in Latvia.

Latvijas Banka is the official central bank of Latvia, providing essential national financial services including monetary policy implementation, reserve management, financial stability oversight, and statistical data provision. The website reflects its authoritative role with comprehensive content targeting the general public, financial institutions, and government entities. The site is professionally designed, multilingual, and well-structured, supporting a broad range of banking and regulatory information. Technically, the site uses Joomla CMS with modern JavaScript libraries and is hosted on Microsoft Azure, ensuring reliable performance and moderate loading speeds. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, though some advanced security headers and explicit incident response contacts are not publicly disclosed. Overall, the domain registration and WHOIS data align perfectly with the official institution, confirming high legitimacy and trustworthiness.

The security scan identified 25 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery 3.6.1, Joomla CMS, Google Fonts, Chosen jQuery plugin, LightSlider, Moment.js, Air-datepicker.

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 bank.lv Safe? Security Analysis for Latvijas Banka

https://www.bank.lv/

Check if bank.lv is a scam or legitimate. Free security scan and reviews.

FinanceLatvialarge
jQuery 3.6.1Joomla CMSGoogle FontsChosen jQuery pluginLightSlider+2 more
Analyzed 7/9/2025Completed 2:27:49 PM10mo ago
69
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainbank.lv
Access tierFull report or marketing add-on

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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

Latvijas Banka is the official central bank of Latvia, providing essential national financial services including monetary policy implementation, reserve management, financial stability oversight, and statistical data provision. The website reflects its authoritative role with comprehensive content targeting the general public, financial institutions, and government entities. The site is professionally designed, multilingual, and well-structured, supporting a broad range of banking and regulatory information. Technically, the site uses Joomla CMS with modern JavaScript libraries and is hosted on Microsoft Azure, ensuring reliable performance and moderate loading speeds. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, though some advanced security headers and explicit incident response contacts are not publicly disclosed. Overall, the domain registration and WHOIS data align perfectly with the official institution, confirming high legitimacy and trustworthiness.

Detected Technologies

jQuery 3.6.1Joomla CMSGoogle FontsChosen jQuery pluginLightSliderMoment.jsAir-datepicker

8 urgent findings need attention

1 critical · 7 high

Continuous monitoring

Keep bank.lv under constant watch

Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

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

2 findings

85/100

GDPR Compliance

3 findings

40/100

NIS2 Compliance

8 findings

17/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Latvijas Banka holds a critical position as Latvia's central bank, operating within the government and finance sectors. Its business model centers on regulatory and monetary functions rather than commercial banking. The website supports transparency and public engagement through detailed service descriptions, news updates, and educational resources. Partnerships with related domains such as makroekonomika.lv and naudasskola.lv enhance its research and financial literacy missions. The bank's digital presence is mature, with active social media channels and a clear focus on user experience and accessibility. The absence of a public terms of service or security policy page is a minor gap but does not detract from overall credibility.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a solid security foundation with HTTPS and cookie consent compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of explicit security headers like Content-Security-Policy and absence of a published security policy or incident response contact reduces transparency in security governance. No vulnerability disclosure or security.txt file was found, which could be improved to foster responsible vulnerability reporting. The use of reputable third-party libraries and hosting on Azure contributes positively to security. Overall, the security posture is good but could benefit from enhanced transparency and additional security controls.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and publish a formal security policy and incident response contact information on the website.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Latvijas Banka

Description:

Latvijas Banka is the state central bank of Latvia, an independent institution responsible for monetary policy implementation, management of foreign currency and gold reserves, issuance of cash, operation of interbank settlement systems, and compilation of financial statistics. It is a member of the European System of Central Banks.

Key Services:
Monetary policy implementationResearchFinancial stabilityReserve managementLicensing and supervisionCredit registryCash circulationPayment systemsStatistics provisionConsumer protection
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
jQuery 3.6.1Joomla CMSGoogle FontsChosen jQuery pluginLightSliderMoment.jsAir-datepicker
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of external scripts with integrity
  • No visible vulnerable libraries

Analytics & Tracking

Services:
Google Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:basic

Website Quality Assessment

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

Key Observations

1

Website is professionally designed and maintained by a government institution.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

85/100
Score

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

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

40/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube, Google APIs

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
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

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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 ip4:194.153.79.120 ip4:194.153.79.121 include:spf.bank.lv include:spf-cloud.bank.lv include:_spf.smaily.com -all
DNS Lookups:3/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:selector2(1296-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarcreport@bank.lv
Forensic Reports:dmarcfail@bank.lv

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

64/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

HSTS Missing includeSubDomains

LOW

HSTS header does not include subdomains

Mixed Content Detected

MEDIUM

2 resources loaded over insecure HTTP

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:212.70.163.163
Name Servers:
ns1-04.azure-dns.com
ns2-04.azure-dns.net
ns3-04.azure-dns.org
ns4-04.azure-dns.info
MX Records:
1: bank-lv.mail.protection.outlook.com
20: bank-lv.q-v1.mx.microsoft
SOA:Serial: 2016112901, TTL: 300s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:62ms

SPF Analysis

SPF Record:
v=spf1 ip4:194.153.79.120 ip4:194.153.79.121 include:spf.bank.lv include:spf-cloud.bank.lv include:_spf.smaily.com -all

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 bank.lv compare?

See how bank.lv 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 Joomla CMS with a modern front-end stack including jQuery 3.6.1, Chosen plugin, LightSlider, Moment.js, and Air-datepicker. It uses Google Fonts and integrates Google Tag Manager for analytics. Hosting appears to be on Microsoft Azure, indicated by botchat script source. The site is mobile responsive with good navigation clarity and SEO optimization. Performance is moderate, with room for improvement in loading speed and accessibility compliance. The technical implementation is stable and supports the bank's informational and service delivery goals effectively.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

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

Domainbank.lv
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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