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Is opbank.ee a Scam? Security Check Results - OP Corporate Bank plc Eesti filiaal

opbank.ee Security Report Summary

opbank.ee received a security score of 68 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers OP Corporate Bank plc Eesti filiaal's website security posture. OP Corporate Bank plc Eesti filiaal operates in the Finance industry in Estonia.

OP Corporate Bank plc Eesti filiaal is the Estonian branch of OP Financial Group, a leading Finnish financial services cooperative with over 120 years of history. The bank focuses on serving large and medium-sized enterprises in Estonia, offering a comprehensive portfolio of financial products including loans, guarantees, letters of credit, leasing, and factoring. The group emphasizes efficient liquidity and risk management solutions for its corporate clients. The website reflects a professional and consistent brand presence with clear contact information and relevant business content. Technically, the site uses modern technologies such as React and Microsoft Application Insights for telemetry, hosted likely on Microsoft Azure. Security posture is strong with HTTPS enforced and no visible vulnerabilities, though some improvements in security headers and explicit security policies are recommended. Privacy compliance is adequate with privacy and cookie policies present, but lacks a cookie consent mechanism. Overall, the site demonstrates a high level of business credibility and digital maturity.

The security scan identified 24 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, React, Microsoft Application Insights.

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 opbank.ee Safe? Security Analysis for OP Corporate Bank plc Eesti filiaal

https://opbank.ee

Check if opbank.ee is a scam or legitimate. Free security scan and reviews.

FinanceEstonialarge
JavaScriptReactMicrosoft Application Insights
Analyzed 6/27/2025Completed 8:02:48 PM9mo ago
68
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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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

OP Corporate Bank plc Eesti filiaal is the Estonian branch of OP Financial Group, a leading Finnish financial services cooperative with over 120 years of history. The bank focuses on serving large and medium-sized enterprises in Estonia, offering a comprehensive portfolio of financial products including loans, guarantees, letters of credit, leasing, and factoring. The group emphasizes efficient liquidity and risk management solutions for its corporate clients. The website reflects a professional and consistent brand presence with clear contact information and relevant business content. Technically, the site uses modern technologies such as React and Microsoft Application Insights for telemetry, hosted likely on Microsoft Azure. Security posture is strong with HTTPS enforced and no visible vulnerabilities, though some improvements in security headers and explicit security policies are recommended. Privacy compliance is adequate with privacy and cookie policies present, but lacks a cookie consent mechanism. Overall, the site demonstrates a high level of business credibility and digital maturity.

Detected Technologies

JavaScriptReactMicrosoft Application Insights

10 urgent findings need attention

1 critical · 9 high

  • + 2 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

1 finding

95/100

GDPR Compliance

5 findings

10/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The company holds a strong market position as a major financial services provider in the Nordic and Baltic region, operating as a cooperative with a dual focus on profitability and social responsibility. Its business model centers on corporate banking services tailored to large and medium enterprises, supported by a broad product suite including financing and risk management. The Estonian branch leverages the parent group's reputation and resources, maintaining consistent branding and professional content. The presence of partner and service domains such as op.fi and client portals indicates a well-integrated ecosystem. Growth indicators include active news updates and strategic content. The company targets institutional and business clients, positioning itself as a reliable financial partner in Estonia.

Extracted Contact Information

Marketing Intelligence Data

Physical Addresses (1)

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a mature security posture with mandatory HTTPS and use of telemetry tools for monitoring. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of security headers such as Content-Security-Policy and lack of explicit incident response or security policy pages represent areas for improvement. The site does not currently provide a vulnerability disclosure or security.txt file, which could enhance transparency and trust. Privacy policies are comprehensive and GDPR compliant, but the missing cookie consent mechanism is a compliance gap. Overall, the security maturity is good but could be enhanced by adopting additional best practices and formalizing incident response communication.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web vulnerabilities.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

OP Corporate Bank plc Eesti filiaal

Description:

OP is a leading Finnish financial services group offering banking, insurance, and asset management services to business, institutional, and private clients. In Estonia, OP operates as a corporate bank serving large and medium-sized enterprises with loans, guarantees, letters of credit, leasing, and factoring solutions. The group emphasizes liquidity management, cash flow and risk management solutions, and short-term working capital financing. OP has a 120-year history as a cooperative enterprise balancing profitability and social responsibility.

Key Services:
LoansGuaranteesLetters of creditLeasingFactoringLiquidity managementCash flow and risk management
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
JavaScriptReactMicrosoft Application Insights
Frameworks:
React
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

basic

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Application Insights for telemetry

Analytics & Tracking

Services:
Microsoft Application Insights
Tracking Level:moderate
Privacy Compliance:basic

Advertising & Marketing

Tracking Pixels:
Microsoft Application Insights
Marketing Tools:
Application Insights
Transparency Level:basic

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

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

95/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=15770000; includeSubDomains"

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

10/100
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

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: LinkedIn

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: 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

85/100
Score

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.protection.outlook.com ip4:157.124.33.40/27 include:_spf.zone.eu -all
DNS Lookups:2/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:0tf6wlck@ag.eu.dmarcadvisor.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

100/100
Score

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:opbank.ee
Issuer:Entrust OV TLS Issuing RSA CA 1
Valid Until:2/27/2026 (244 days)
SANs:opbank.ee, www.opbank.ee, opbank.lt +3 more

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 Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Domain Age
9 years(mature)
Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:217.114.94.2
AAAA Records:2a00:1c50:94::2
Name Servers:
ns.zone.eu
ns2.zone.ee
ns3.zonedata.net
MX Records:
0: opbank-ee.mail.protection.outlook.com
SOA:Serial: 2025040415, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:61ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com ip4:157.124.33.40/27 include:_spf.zone.eu -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 opbank.ee compare?

See how opbank.ee 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 using React and served via a CMS platform identified as Optimizely. It leverages Microsoft Application Insights for telemetry and analytics, indicating integration with Azure cloud services. The site is mobile optimized with responsive design and good navigation clarity. Performance is moderate, with potential for improvement in loading speed. Accessibility features are basic but present. SEO optimization is basic, with meta tags and canonical URLs but no advanced structured data like JSON-LD detected. The technical stack is modern and well-maintained, supporting a professional user experience with room for enhancements in accessibility and SEO.
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PDF Report & Export

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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

Domainopbank.ee
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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