Is instabank.no Safe? Security Analysis for Instabank ASA
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AI Summary
Instabank ASA is a Norwegian digital bank founded in 2016, offering a range of financial services including loans, credit cards, savings accounts, and insurance products for both private individuals and businesses. The bank positions itself as a modern, fully digital institution focused on simplicity, speed, and security. The website reflects a professional and consistent brand image, supported by customer testimonials and sponsorships such as Norsk Friidrett. Technically, the site is built on WordPress with Elementor, integrating multiple analytics and marketing tools while maintaining good performance and mobile optimization. Security posture is strong with HTTPS enforcement and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly disclosed. Overall, Instabank demonstrates a mature digital presence with high trustworthiness and compliance with privacy regulations.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Instabank operates in the competitive Norwegian banking sector, leveraging digital channels to provide accessible financial products. Its business model centers on digital lending and credit solutions, targeting both retail and corporate customers. The company benefits from a clear market position as a modern challenger bank with competitive interest rates and refinancing options. Partnerships and related domains indicate active investor relations and merger activities. The bank's marketing strategy includes extensive use of social media and digital advertising platforms, enhancing customer acquisition and engagement. Growth indicators include a broad product portfolio and visible customer satisfaction through testimonials. The company maintains a transparent and accessible online presence, supporting its credibility and customer trust.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website employs HTTPS with a strong SSL configuration, uses cookie consent banners compliant with GDPR, and integrates security plugins such as Wordfence. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a publicly available security policy or incident response contact limits transparency in security governance. The site uses multiple third-party scripts for analytics and marketing, which should be regularly audited to mitigate supply chain risks. Security headers are partially implemented or not explicitly visible, suggesting room for improvement. Overall, the security posture is solid but could benefit from enhanced documentation and explicit security disclosures.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page detailing security practices and controls.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Instabank ASA
Heldigitale låne- og kredittløsninger for privatpersoner og bedrifter – raskt, trygt og enkelt. Tilbyr lån med og uten sikkerhet, kredittkort, sparing, forsikring, og bedriftsløsninger som kassekreditt og bedriftslån.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Consent management for cookies
- No exposed sensitive data in HTML
- Use of security plugins (Wordfence indicated by script)
- Cookie consent banner with opt-in/opt-out
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well-structured.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
Weak X-Frame-Options configuration
LOWCurrent value: "SAMEORIGIN, SAMEORIGIN"
Weak X-Content-Type-Options configuration
LOWCurrent value: "nosniff, nosniff"
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 Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR
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
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
Complex SPF record
LOWToo many include statements can cause lookup limits
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
DMARC Partial Enforcement
LOWDMARC only applies to 25% of messages
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
DKIM Selectors Found
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
MEDIUM3 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
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
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
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings