Is fio.cz Safe? Security Analysis for Fio banka
https://fio.czCheck if fio.cz is a scam or legitimate. Free security scan and reviews.
Below Finance avg (78)
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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
Fio banka is a modern Czech financial institution offering free bank accounts, online investment services, and loan products including mortgages. The website reflects a well-established banking entity with a clear focus on retail customers and investors within the Czech Republic. Their business model combines traditional banking with digital investment brokerage, supported by a network of branches and online platforms. The site is professionally designed, with clear navigation and relevant content tailored to their audience. Technically, the website employs modern JavaScript libraries such as jQuery and Bootstrap components, alongside Google Tag Manager for analytics and marketing. The site is HTTPS secured and includes a comprehensive cookie consent mechanism, indicating a mature approach to privacy compliance. Mobile optimization and SEO practices are good, though accessibility features are basic. From a security perspective, the site enforces HTTPS and uses cookie consent controls but lacks visible advanced security headers and a public vulnerability disclosure channel. No WHOIS data was available, which slightly reduces domain trustworthiness, but the website content and external links support legitimacy. Overall, the security posture is solid but could be improved with additional headers and incident response transparency. The overall risk assessment is low, with recommendations to enhance security headers, publish incident response contacts, and consider a security.txt file. The site is safe for general audiences and demonstrates strong business credibility and privacy compliance.
Detected Technologies
10 urgent findings need attention
1 critical · 9 high
- + 2 more findings in the full report below
Keep fio.cz 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
5 findings
50/100
GDPR Compliance
3 findings
40/100
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
Fio banka holds a strong position in the Czech retail banking and investment market, emphasizing no-fee accounts and accessible online investment services. Their competitive advantage lies in combining traditional branch services with modern digital platforms, appealing to both personal and business customers. Revenue streams likely include banking fees (minimal), investment brokerage commissions, and loan interest. The target customer segments are retail banking clients and investors seeking cost-effective financial services. Growth indicators include active promotion of investment seminars and online account opening. The partnership ecosystem includes related financial service providers such as Fio Fondy and RM-SYSTÉM, enhancing their product offerings and market reach. Strategic observations suggest a focus on digital transformation and customer-centric service delivery.
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a moderate to good security maturity level with enforced HTTPS and a detailed cookie consent mechanism supporting GDPR compliance. However, the absence of key security headers like Content-Security-Policy and X-Frame-Options is a gap that could expose the site to certain web-based attacks. No public vulnerability disclosure or incident response contacts were found, which limits transparency and responsiveness to security issues. Data protection practices appear sound with no exposed sensitive information in the HTML. The site does not show signs of vulnerable libraries or insecure forms. Compliance with GDPR is indicated by cookie management and privacy policy presence. Overall, the security culture is adequate but would benefit from enhanced transparency and technical controls.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen web security.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Fio banka
Fio banka je moderní česká banka poskytující účty bez poplatků a zprostředkovávající investice do cenných papírů. Nabízí internetové bankovnictví, investování online, půjčky a úvěry, včetně hypoték bez poplatků.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Cookie consent banner with granular controls
- No exposed sensitive data in HTML
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected 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
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Mixed Content Detected
MEDIUM5 resources loaded over insecure HTTP
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Transfer Lock Not Enabled
MEDIUMDomain can be transferred without authorization
Domain Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
Domain Registration Details
- •No domain protection locks enabled
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
How does fio.cz compare?
See how fio.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
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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