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Is cs.cz a Scam? Security Check Results - Česká spořitelna, a.s.

cs.cz Security Report Summary

cs.cz received a security score of 67 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Česká spořitelna, a.s.'s website security posture. Česká spořitelna, a.s. operates in the Finance industry in Czech Republic.

Česká spořitelna, a.s. is a leading financial institution in the Czech Republic offering a wide range of personal and corporate banking services including accounts, loans, mortgages, investments, and insurance. The website serves as the official portal for personal finance customers, providing comprehensive information and access to online banking platforms such as George. The company maintains a strong market position with consistent branding and a professional digital presence. Technically, the site employs modern web technologies, including Google Tag Manager, Evergage, and ElasticSearch, and is optimized for both desktop and mobile users with good accessibility and SEO practices. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, although explicit security headers and incident response contacts could be improved. The absence of WHOIS data is likely due to privacy protection, which is justified for a major financial institution. Overall, the website is trustworthy, secure, and user-friendly, supporting the bank's reputation and customer engagement.

The security scan identified 27 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, Google Tag Manager, Evergage, ElasticSearch, Schema.org JSON-LD, Web APIs.

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 cs.cz Safe? Security Analysis for Česká spořitelna, a.s.

https://cs.cz

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FinanceCzech Republiclarge
JavaScriptGoogle Tag ManagerEvergageElasticSearchSchema.org JSON-LD+1 more
Analyzed 10/17/2025Completed 3:47:10 AM5mo ago
67
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domaincs.cz
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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

Česká spořitelna, a.s. is a leading financial institution in the Czech Republic offering a wide range of personal and corporate banking services including accounts, loans, mortgages, investments, and insurance. The website serves as the official portal for personal finance customers, providing comprehensive information and access to online banking platforms such as George. The company maintains a strong market position with consistent branding and a professional digital presence. Technically, the site employs modern web technologies, including Google Tag Manager, Evergage, and ElasticSearch, and is optimized for both desktop and mobile users with good accessibility and SEO practices. Security posture is strong with HTTPS enforced and cookie consent mechanisms in place, although explicit security headers and incident response contacts could be improved. The absence of WHOIS data is likely due to privacy protection, which is justified for a major financial institution. Overall, the website is trustworthy, secure, and user-friendly, supporting the bank's reputation and customer engagement.

Detected Technologies

JavaScriptGoogle Tag ManagerEvergageElasticSearchSchema.org JSON-LDWeb APIs

10 urgent findings need attention

1 critical · 9 high

  • + 2 more findings in the full report below
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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

5 findings

60/100

GDPR Compliance

3 findings

40/100

NIS2 Compliance

9 findings

2/100

Email Security

2 findings

87/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The bank targets retail and corporate customers in the Czech Republic, offering a comprehensive portfolio of financial products. Its business model focuses on retail banking, loans, mortgages, savings, investments, and insurance. The website reflects a mature digital strategy with integrated marketing and analytics tools, supporting customer acquisition and retention. Partnerships with investment centers and corporate banking platforms enhance service offerings. The site’s content and navigation are designed to facilitate customer self-service and promote digital banking adoption. Growth indicators include active promotion of online account opening and financial health education. The bank’s ecosystem includes subsidiaries and partners that provide complementary financial services.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, cookie consent, and use of secure third-party scripts. No exposed sensitive data or vulnerabilities were detected in the HTML content. However, explicit security headers such as Content-Security-Policy and X-Frame-Options were not clearly identified and should be verified. The lack of a published security policy or incident response contact is a gap in transparency. The site does not expose WHOIS data, which is common for financial institutions to protect registrant privacy. Overall, the security measures align with industry best practices but could be enhanced with additional headers and public security documentation.

Strategic Recommendations

Priority Actions for Security Improvement

1

Verify and implement explicit security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Česká spořitelna, a.s.

Description:

Česká spořitelna je první bankou, která dbá o vaše finanční zdraví. Přidejte se k našim spokojeným klientům, kteří v nás našli partnera pro finance.

Key Services:
Personal accountsLoans and mortgagesSavings and investmentsInsurance productsOnline banking (George platform)
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
JavaScriptGoogle Tag ManagerEvergageElasticSearchSchema.org JSON-LDWeb APIs
Frameworks:
GEM (Erste Group proprietary framework)
Platforms:
Web desktopMobile responsive
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

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

Analytics & Tracking

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

Advertising & Marketing

Ad Networks:
Evergage
Marketing Tools:
Evergage
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is fully accessible with no blocking or WAF challenge.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

60/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=16070400; includeSubDomains; preload"

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

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

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

GDPR Compliance Analysis

Privacy Policy0% 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: 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

87/100
Score

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 ip4:194.50.240.33 ip4:194.50.240.161 ip4:194.50.240.41 ip4:194.50.240.248/30 include:_spf.csas.cz include:_spf.google.com include:spf.protection.outlook.com -all exp=explain._spf.csas.cz.
DNS Lookups:3/10
Policy:-all
DKIM Selectors Found
Selector:google(1296-bit rsa)
Selector:selector1(1416-bit rsa)
Selector:mail(1296-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc@csas.cz
Forensic Reports:dmarc@csas.cz

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
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

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 56 days

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 Disabled

📊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

Domain Registration Details

Domain Age
28 years(mature)

DNS Records

A Records:194.50.240.70
Name Servers:
nse.csas.czDNS only
nsf.csas.czDNS only
MX Records:
0: csas-cz.mail.protection.outlook.com
SOA:Serial: 2025101450, TTL: 7200s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:28ms

SPF Analysis

SPF Record:
v=spf1 ip4:194.50.240.33 ip4:194.50.240.161 ip4:194.50.240.41 ip4:194.50.240.248/30 include:_spf.csas.cz include:_spf.google.com include:spf.protection.outlook.com -all exp=explain._spf.csas.cz.

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 cs.cz compare?

See how cs.cz 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 a proprietary framework (GEM) used by Erste Group, leveraging modern JavaScript modules and APIs. It integrates Google Tag Manager and Evergage for analytics and marketing automation. The site is optimized for performance with preloaded fonts and responsive design for mobile and desktop. SEO is supported by comprehensive meta tags, Open Graph, and JSON-LD structured data. Accessibility features are implemented with ARIA roles and keyboard navigation aids. The CMS appears custom and tailored for banking content management. Hosting provider details are not explicit but likely managed by Erste Group or a trusted partner. Overall, the technical infrastructure supports a robust, scalable, and secure banking website.
Professional PDF & Marketing Data

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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

Domaincs.cz
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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