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Is netbanking.mk a Scam? Security Check Results - Sparkasse Banka Reviews

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Is netbanking.mk Safe? Security Analysis for Sparkasse Banka

Check if netbanking.mk is a scam or legitimate. Free security scan and reviews.

FinanceNorth Macedoniamedium
jQuery 3.4.0Bootstrap 3.4.0
Analyzed 8/1/2025Completed 6:13:03 PM
66
Security Score
MEDIUM RISK

AI Summary

The website netbanking.mk serves as the online banking portal for Sparkasse Banka Macedonia, providing retail and corporate banking services primarily to Macedonian customers. The site targets both individual and legal entity clients with dedicated login links. The business is well established with a domain age of over a decade, consistent with the bank's market presence. The website content is primarily in Macedonian with options for English and Albanian, reflecting the regional audience. The site branding aligns with the official Sparkasse Banka identity, reinforcing trust. Technically, the site uses Bootstrap 3.4.0 and jQuery 3.4.0, indicating a somewhat dated but functional technology stack. The site is moderately optimized for mobile and accessibility but lacks advanced SEO and modern performance enhancements. No CMS or hosting provider details are evident. The site does not include analytics or tracking scripts, suggesting minimal user tracking. From a security perspective, the site uses HTTPS as implied by links but lacks visible security headers and explicit privacy or cookie policies, which are critical for compliance and user trust. No vulnerability disclosure or security contact information is provided, limiting transparency. The absence of forms in the provided HTML reduces attack surface but also limits data collection insights. Overall, the security posture is moderate but could be improved with standard best practices. The overall risk is moderate with no critical issues detected. Strategic improvements in privacy compliance, security headers, and transparency would enhance trust and regulatory adherence. The site is safe for general audiences with no adult or questionable content detected.

Detected Technologies

jQuery 3.4.0Bootstrap 3.4.0

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Sparkasse Banka Macedonia operates in the finance sector, focusing on retail and corporate banking services. The bank leverages its established brand and domain to serve Macedonian customers with online banking capabilities. The business model centers on providing secure digital access to banking products for individuals and businesses. Market positioning is stable with a recognized brand in the region. The partnership with the main Sparkasse brand is evident and strengthens credibility. Revenue streams likely include traditional banking fees and digital service charges. The target customer segments include local residents and legal entities requiring banking services. Growth indicators are not explicit but the decade-long domain age suggests sustained operations. The partnership ecosystem includes the main Sparkasse website and possibly other financial service providers. Strategic observations highlight the need for enhanced digital maturity and compliance to maintain competitive advantage.

Extracted Contact Information

Marketing Intelligence Data

Email Addresses (1)

c*****@sparkasse.mk

Phone Numbers (1)

021****

Security Posture Analysis

Comprehensive Security Assessment

The current security maturity level is moderate. The site uses HTTPS but lacks critical security headers such as Content Security Policy, HSTS, and X-Frame-Options. No explicit privacy or cookie policies are present, indicating compliance gaps with GDPR and related regulations. The absence of a vulnerability disclosure policy or security contact reduces transparency and incident response readiness. No exposed sensitive data or vulnerable libraries were detected in the provided content. The site does not appear to use modern security frameworks or automated protections. Overall, the security culture appears basic with room for improvement in policy communication and technical safeguards. Business impact of these gaps includes potential regulatory risk and reduced user trust.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement comprehensive privacy and cookie policies with clear GDPR compliance statements.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Sparkasse Banka

Description:

AssecoSEE Corporate Web banking

Key Services:
Online banking for physical personsOnline banking for legal entities
Content Quality:

basic

Branding:

moderate

Technical Stack

Technologies:
jQuery 3.4.0Bootstrap 3.4.0
Frameworks:
Bootstrap
Performance:

moderate

Mobile:

basic

Accessibility:

basic

SEO:

basic

Security Assessment

Security Score:
55/100
Best Practices:
  • HTTPS usage implied by links (https://)
  • No visible exposed sensitive data in HTML

Analytics & Tracking

Tracking Level:minimal
Privacy Compliance:poor

Advertising & Marketing

Transparency Level:poor

Website Quality Assessment

Design Quality:basic
User Experience:basic
Content Relevance:basic
Navigation Clarity:basic
Professionalism:basic
Trustworthiness:moderate

Key Observations

1

Website is a legitimate online banking portal for Sparkasse Banka Macedonia

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

95/100
Score

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

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

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

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: transport, banking

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

60/100
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

No email authentication configured

CRITICAL

Domain is vulnerable to email spoofing

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

🏆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

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
14 years(mature)

DNS Records

A Records:217.119.252.82
Name Servers:
s0414ns3sbmDNS only
s0414ns3sbm.sparkasse.mkDNS only
s0414ns4sbm.sparkasse.mkDNS only
MX Records:
20: paladin2.mt.net.mk
10: paladin.mt.net.mk
SOA:Serial: 268, TTL: 43200s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:151ms

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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using Bootstrap 3.4.0 and jQuery 3.4.0, which are stable but outdated technologies. The HTML structure is valid and includes meta tags for viewport and description but lacks Open Graph or JSON-LD structured data. No CMS or hosting provider information is evident. Performance is moderate with no explicit optimization scripts or lazy loading. Mobile optimization is basic with responsive Bootstrap grid usage but limited advanced features. Accessibility features are minimal with no ARIA roles or landmarks detected. SEO optimization is basic with meta description but no rich snippets or social media metadata. Technical risks include potential vulnerabilities from outdated libraries and lack of security headers. Modernization opportunities include upgrading frameworks, adding structured data, and improving accessibility and SEO.
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