Is hipotekarnabanka.com Safe? Security Analysis for Hipotekarna Banka AD Podgorica
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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
Hipotekarna Banka AD Podgorica is a well-established financial institution in Montenegro offering a wide range of banking services including retail and corporate banking, investment banking, and digital banking solutions. The website reflects a professional and comprehensive presentation of their services targeting both individual and business customers within Montenegro. The bank emphasizes accessibility through multiple channels including e-banking platforms and mobile banking. Technically, the website employs modern web technologies such as AngularJS, Bootstrap, and integrates security features like HTTPS and Google reCAPTCHA to protect user interactions. While the security posture is strong with encrypted connections and secure forms, there is room for improvement in implementing comprehensive security headers and explicit cookie consent mechanisms to enhance privacy compliance. The absence of WHOIS data for the domain introduces some uncertainty regarding domain registration legitimacy, but the overall professional appearance and detailed content suggest a legitimate banking entity. Strategic recommendations include enhancing privacy compliance, publishing security policies, and verifying domain registration details to strengthen trust and security posture.
Detected Technologies
13 urgent findings need attention
1 critical · 12 high
- + 5 more findings in the full report below
Keep hipotekarnabanka.com 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
7 findings
30/100
GDPR Compliance
4 findings
35/100
NIS2 Compliance
8 findings
17/100
Email Security
5 findings
60/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Hipotekarna Banka holds a significant position in Montenegro's banking sector, providing essential financial services to a medium-sized customer base. Their business model combines traditional banking with digital services, catering to both retail and corporate clients. The bank's partnerships with local and regional entities, as well as its active social media presence, indicate a well-integrated market approach. Revenue streams likely include interest from loans, fees from payment services, and commissions from investment banking activities. The bank's focus on digital transformation is evident through its e-banking platforms and mobile applications, positioning it competitively in the regional market. Growth indicators include continuous updates to product offerings and active communication channels. The partnership ecosystem includes regulatory bodies and service providers enhancing operational capabilities.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with mandatory HTTPS encryption and the use of Google reCAPTCHA to mitigate automated abuse on forms. However, the lack of explicit security headers such as Content-Security-Policy and X-Frame-Options could expose the site to certain web-based attacks. No vulnerabilities or exposed sensitive data were detected in the HTML content. Privacy compliance is partially addressed through a comprehensive privacy policy, but the absence of a cookie consent mechanism is a gap in GDPR adherence. Incident response and vulnerability disclosure information are not publicly available, which could hinder timely communication in case of security incidents. Overall, the security measures are adequate for a banking website but could be enhanced by adopting additional best practices and transparency measures.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen defense against common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Hipotekarna Banka AD Podgorica
Hipotekarna Banka is a financial institution based in Podgorica, Montenegro, offering banking services including loans, deposits, payment cards, e-banking, and investment banking services.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- Use of HTTPS
- Google reCAPTCHA on forms
- No exposed sensitive data in HTML
- Secure form inputs with validation
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
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
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
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
Sensitive data may be cached
LOWCache-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
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, Twitter, LinkedIn, Google Ads
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
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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
No email authentication configured
CRITICALDomain is vulnerable to email spoofing
🏆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
SSL Certificate Expires Soon
HIGHSSL certificate expires in 18 days
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
No DMARC Record
MEDIUMDMARC policy not configured
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Service Exposed: SSH
MEDIUMPort 22 (SSH) is publicly accessible - SSH - Secure but can be brute-forced
How does hipotekarnabanka.com compare?
hipotekarnabanka.com scores below average. Browse similar domains to see how competitors handle security.
🔧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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