Is sparkasse.mk Safe? Security Analysis for Sparkasse Bank Macedonia
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AI Summary
Sparkasse Bank Macedonia operates a professional and comprehensive website targeting private clients in North Macedonia. The site offers detailed information on banking products such as accounts, cards, loans, savings, investments, insurance, and digital services. The branding and content align with Erste Group standards, indicating a strong market position as a major retail bank. Technically, the site uses modern web technologies, including ES modules and a proprietary CMS framework, with good mobile optimization and accessibility features. Security posture is solid with HTTPS and secure login links, though explicit security headers and policies could be improved. Privacy compliance is basic with a cookie consent mechanism but lacks explicit privacy and terms of service pages. Overall, the site is trustworthy and professionally maintained, with no signs of malicious or suspicious activity.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The bank targets individual customers in North Macedonia, offering a broad range of financial products and digital banking solutions. Its affiliation with Erste Group provides a competitive advantage and brand trust. The business model focuses on retail banking with digital transformation initiatives such as mobile and net banking. The website references partnerships with national financial authorities and insurance providers, indicating a well-integrated ecosystem. Growth indicators include educational and youth-focused programs like Vibe On. The bank maintains a consistent brand presence and clear navigation to support customer engagement.
Extracted Contact Information
Marketing Intelligence Data
Phone Numbers (1)
Security Posture Analysis
Comprehensive Security Assessment
The website enforces HTTPS and uses secure login portals for online banking. No exposed sensitive data or vulnerable scripts were detected in the HTML. However, the absence of explicit security headers (CSP, HSTS) and lack of published security policies or incident response information represent areas for improvement. The use of Facebook Pixel introduces moderate user tracking, which should be balanced with privacy compliance. No vulnerability disclosures or security.txt files were found, limiting transparency in security practices. Overall, the security posture is good but could be enhanced with additional best practices and transparency.
Strategic Recommendations
Priority Actions for Security Improvement
Implement and publish a comprehensive privacy policy and terms of service pages.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Sparkasse Bank Macedonia
Sparkasse Bank Macedonia provides banking services to private clients including accounts, cards, loans, savings, investments, insurance, and digital banking services.
good
consistent
Technical Stack
moderate
good
good
good
Security Assessment
- HTTPS enforced
- No exposed sensitive data in HTML
- Secure login link to NetBanking
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is a professional banking site for Sparkasse Bank Macedonia targeting private clients.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
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
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, 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
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DMARC reporting
LOWDMARC aggregate reports not configured
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
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 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