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Is ferratumbank.com a Scam? Security Check Results - Multitude Bank p.l.c.

ferratumbank.com Security Report Summary

ferratumbank.com received a security score of 56 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers Multitude Bank p.l.c.'s website security posture. Multitude Bank p.l.c. operates in the Finance industry in Malta.

Multitude Bank p.l.c. is a licensed credit institution based in Malta, offering European banking solutions tailored for individuals, fintech companies, and institutions. Their key services include savings accounts with competitive interest rates, corporate financing solutions such as secured loans and bonds, and flexible payment services including API integration for fintechs. The bank positions itself as a trusted partner for financial growth and seamless cross-border transactions within Europe. The website reflects a professional and modern digital presence built on Next.js and React, with good mobile optimization and user experience. Privacy and cookie policies are well implemented, supporting GDPR compliance. However, the absence of WHOIS domain registration data introduces some uncertainty regarding domain transparency. Security posture is strong with HTTPS and cookie consent mechanisms, but lacks published incident response or vulnerability disclosure information. Overall, the bank demonstrates a solid market position with room for improvement in transparency and security communication.

The security scan identified 35 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Next.js, Google Tag Manager, Ferratum cookie consent widget.

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 ferratumbank.com Safe? Security Analysis for Multitude Bank p.l.c.

https://ferratumbank.com

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FinanceMaltamedium
ReactNext.jsGoogle Tag ManagerFerratum cookie consent widget
Analyzed 10/17/2025Completed 11:19:45 AM5mo ago
56
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domainferratumbank.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

AI Summary

Multitude Bank p.l.c. is a licensed credit institution based in Malta, offering European banking solutions tailored for individuals, fintech companies, and institutions. Their key services include savings accounts with competitive interest rates, corporate financing solutions such as secured loans and bonds, and flexible payment services including API integration for fintechs. The bank positions itself as a trusted partner for financial growth and seamless cross-border transactions within Europe. The website reflects a professional and modern digital presence built on Next.js and React, with good mobile optimization and user experience. Privacy and cookie policies are well implemented, supporting GDPR compliance. However, the absence of WHOIS domain registration data introduces some uncertainty regarding domain transparency. Security posture is strong with HTTPS and cookie consent mechanisms, but lacks published incident response or vulnerability disclosure information. Overall, the bank demonstrates a solid market position with room for improvement in transparency and security communication.

Detected Technologies

ReactNext.jsGoogle Tag ManagerFerratum cookie consent widget

12 urgent findings need attention

12 high

  • + 4 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

8 findings

25/100

GDPR Compliance

3 findings

50/100

NIS2 Compliance

9 findings

2/100

Email Security

4 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Multitude Bank operates in the finance sector with a medium-sized business profile. It targets individuals and institutional clients, especially fintechs and real estate developers, offering tailored financial products. The business model focuses on providing competitive savings products, flexible corporate financing, and advanced payment solutions. The bank leverages partnerships with Ferratum for technology and API services. Market positioning is strengthened by licensing from the Malta Financial Services Authority, enhancing trust. The website content and structure indicate a mature digital strategy with clear product segmentation and customer engagement channels. Growth indicators include new product launches and emphasis on fintech integration. Strategic observations suggest the bank could benefit from enhanced domain registration transparency and expanded security policy disclosures to reinforce credibility.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

Multitude Bank p.l.c.

Registration Number:

C56251

Security Posture Analysis

Comprehensive Security Assessment

The website enforces HTTPS and uses modern security practices such as cookie consent and secure client portals. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the lack of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms limits the security maturity level. The absence of a security.txt file or published frameworks like ISO 27001 or NIST indicates potential gaps in formal security governance. The use of third-party scripts like Google Tag Manager and Ferratum widgets requires ongoing monitoring to mitigate supply chain risks. Overall, the security posture is good but could be improved by publishing comprehensive security policies and incident response information to enhance trust and compliance.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish domain WHOIS registration details or ensure transparency to improve trustworthiness.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Multitude Bank p.l.c.

Description:

Multitude Bank provides European banking solutions including savings, financing, and payment services tailored for individuals, fintechs, and institutions. They offer competitive interest rates, deposit guarantee protection, flexible funding solutions, and seamless local and cross-border payment services.

Key Services:
Savings accountsFixed-term depositsCorporate financingPayment servicesAPI integration for fintechs
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsGoogle Tag ManagerFerratum cookie consent widget
Frameworks:
Next.js
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics & Tracking

Services:
Google Analytics (via GTM)
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 fully accessible with rich content and professional design

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

25/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=15724800; includeSubDomains"

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

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

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% 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

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

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 include:spf.messagelabs.com include:spf.protection.outlook.com ip4:213.214.173.10 ip4:213.214.173.71 include:mailgun.org ~all
DNS Lookups:3/10
Policy:~all

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

52/100
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 78 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

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 Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
4 years(established)
Expiry Risk
low(27 days)
Protection Level
basicDNSSEC OFF

DNS Records

A Records:104.18.13.98, 104.18.12.98
Name Servers:
keaton.ns.cloudflare.com
nina.ns.cloudflare.com
MX Records:
0: multitudebank-com.mail.protection.outlook.com
SOA:Serial: 2385319758, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:45ms

SPF Analysis

SPF Record:
v=spf1 include:spf.messagelabs.com include:spf.protection.outlook.com ip4:213.214.173.10 ip4:213.214.173.71 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 ferratumbank.com compare?

See how ferratumbank.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 a modern React and Next.js framework, ensuring fast performance and excellent mobile responsiveness. It uses Ferratum CMS for content management and integrates Google Tag Manager for analytics. The site employs optimized images and preloads fonts for performance. Accessibility and SEO are well addressed with proper meta tags and structured navigation. No hosting provider details were explicitly found, but the use of CDN domains suggests a distributed content delivery approach. Technical risks are minimal, but reliance on third-party widgets requires continuous security assessment. The site demonstrates low technical debt and good modernization, supporting scalable business operations.
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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

Domainferratumbank.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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