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Is erstebank.rs a Scam? Security Check Results - Erste Bank a.d. Novi Sad

erstebank.rs Security Report Summary

erstebank.rs received a security score of 68 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Erste Bank a.d. Novi Sad's website security posture. Erste Bank a.d. Novi Sad operates in the Finance industry in Serbia.

Erste Bank a.d. Novi Sad operates as a major financial institution in Serbia, part of the larger Erste Bank Group serving Central and Eastern Europe. The bank offers a comprehensive range of retail and commercial banking services including payment accounts, loans, savings, insurance, and digital banking solutions targeting individuals, local communities, and SMEs. The website reflects a mature digital presence with a professional design, clear navigation, and mobile optimization. Technically, the site uses modern web technologies, including a proprietary CMS, Google Tag Manager for analytics, and a webchat widget for customer interaction. Security posture is solid with HTTPS enforced and no obvious vulnerabilities, though some security headers could be improved and explicit security policies published. Privacy compliance is basic with a cookie consent mechanism but no visible privacy policy or terms of service in the provided content. Overall, the domain registration and website content align well, indicating a legitimate and trustworthy banking institution.

The security scan identified 28 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, Google Tag Manager, Webchat widget, CSS with Emotion, Gem CMS (Erste Group proprietary).

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 erstebank.rs Safe? Security Analysis for Erste Bank a.d. Novi Sad

https://erstebank.rs

Check if erstebank.rs is a scam or legitimate. Free security scan and reviews.

FinanceSerbialarge
JavaScriptGoogle Tag ManagerWebchat widgetCSS with EmotionGem CMS (Erste Group proprietary)
Analyzed 7/24/2025Completed 12:46:33 PM8mo ago
68
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

Erste Bank a.d. Novi Sad operates as a major financial institution in Serbia, part of the larger Erste Bank Group serving Central and Eastern Europe. The bank offers a comprehensive range of retail and commercial banking services including payment accounts, loans, savings, insurance, and digital banking solutions targeting individuals, local communities, and SMEs. The website reflects a mature digital presence with a professional design, clear navigation, and mobile optimization. Technically, the site uses modern web technologies, including a proprietary CMS, Google Tag Manager for analytics, and a webchat widget for customer interaction. Security posture is solid with HTTPS enforced and no obvious vulnerabilities, though some security headers could be improved and explicit security policies published. Privacy compliance is basic with a cookie consent mechanism but no visible privacy policy or terms of service in the provided content. Overall, the domain registration and website content align well, indicating a legitimate and trustworthy banking institution.

Detected Technologies

JavaScriptGoogle Tag ManagerWebchat widgetCSS with EmotionGem CMS (Erste Group proprietary)

9 urgent findings need attention

9 high

  • + 1 more findings in the full report below
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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

3 findings

50/100

NIS2 Compliance

8 findings

17/100

Email Security

4 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Erste Bank Serbia holds a strong market position as part of the Erste Bank Group, leveraging its regional presence and brand recognition. The bank's business model focuses on retail and SME banking with diversified revenue streams from deposits, loans, card services, and digital banking products. The website highlights key services and promotes digital transformation initiatives such as digital advisors and online account opening. The absence of direct contact emails or phone numbers on the main page suggests a controlled communication channel likely routed through contact forms or branch visits. The bank maintains partnerships within the Erste Group ecosystem and uses CDN and cloud services for content delivery. Growth indicators include special offers and targeted products for youth and pensioners, reflecting market segmentation strategies.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a good security baseline with HTTPS enabled and no immediate signs of vulnerabilities or exposed sensitive data. Use of Google Tag Manager and webchat widgets are implemented with crossorigin attributes, indicating attention to security in third-party integrations. However, the lack of explicit security headers such as Content-Security-Policy and absence of published security or incident response policies limit transparency. No vulnerability disclosure or security.txt files were found, which could enhance trust and incident handling. The domain lacks DNSSEC, which is recommended to improve DNS security. Overall, the security posture is adequate for a banking website but could be enhanced with additional security controls and transparency.

Strategic Recommendations

Priority Actions for Security Improvement

1

Enable DNSSEC on the domain to improve DNS integrity and security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Erste Bank a.d. Novi Sad

Description:

Erste Bank a.d. Novi Sad is part of Erste Bank Group, a leading financial institution in Central and Eastern Europe. The bank offers services for individuals, local communities, and small and medium enterprises, focusing on speed and quality of service to support stable and healthy growth.

Key Services:
Payment accountsDebit and credit cardsLoans and creditsSavings and insuranceDigital banking services
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
JavaScriptGoogle Tag ManagerWebchat widgetCSS with EmotionGem CMS (Erste Group proprietary)
Frameworks:
Gem CMS framework
Platforms:
Web desktop and mobile
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • Use of Google Tag Manager for analytics
  • Webchat widget with crossorigin attributes

Analytics & Tracking

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

Advertising & Marketing

Transparency Level:basic

Website Quality Assessment

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

Key Observations

1

Website is professionally designed and well-structured.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

65/100
Score

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

50/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

Third-party services without privacy policy

HIGH

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

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% 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

Strict DMARC Alignment

LOW

Strict alignment may cause legitimate emails to fail

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 mx ip4:93.87.45.53/32 ip4:77.46.136.210/32 ip4:93.87.45.52/32 include:spf.protection.outlook.com include:servers.mcsv.net include:_spf.netigate.se include:mailgun.org -all
DNS Lookups:6/10
Policy:-all
DKIM Selectors Found
Selector:k2(1416-bit rsa)
Selector:selector1(1296-bit rsa)
Selector:selector2(1416-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc.rua@erstebank.rs
Forensic Reports:dmarc.ruf@erstebank.rs

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
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

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

70/100
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 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

Domain Age
16 years(mature)
Expiry Risk
none(192 days)
Protection Level
noneDNSSEC OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:15.197.84.185, 15.197.66.167
Name Servers:
dagda1.isp.telekom.rsDNS only
dagda2.isp.telekom.rsDNS only
MX Records:
10: erstebank-rs.mail.protection.outlook.com
SOA:Serial: 2025071501, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:81ms

SPF Analysis

SPF Record:
v=spf1 mx mx ip4:93.87.45.53/32 ip4:77.46.136.210/32 ip4:93.87.45.52/32 include:spf.protection.outlook.com include:servers.mcsv.net include:_spf.netigate.se include:mailgun.org -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 erstebank.rs compare?

See how erstebank.rs 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 CMS platform (Gem CMS) used by Erste Group, leveraging modern JavaScript modules and CSS-in-JS (Emotion). It uses Google Tag Manager for analytics and tracking, and a custom webchat widget for customer support. The site is hosted with CDN support from Erste Group's infrastructure and registered via Telekom Srbija A.D. Performance is moderate with good mobile optimization and accessibility features. The site uses preloaded fonts and optimized images for better loading. However, some security headers are missing, and DNSSEC is not enabled. The technical stack is modern and suitable for a large financial institution but could benefit from enhanced security configurations and more transparent privacy compliance documentation.
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PDF Report & Export

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Marketing Intelligence

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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

Domainerstebank.rs
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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