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Is sparkasse.si a Scam? Security Check Results - Banka Sparkasse Reviews

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Is sparkasse.si Safe? Security Analysis for Banka Sparkasse

Check if sparkasse.si is a scam or legitimate. Free security scan and reviews.

FinanceSlovenialarge
JavaScriptGoogle Tag ManagerCookiebotScarab ResearchJSON-LD structured data
Analyzed 8/1/2025Completed 5:04:27 PM
62
Security Score
MEDIUM RISK

AI Summary

Banka Sparkasse is a well-established Slovenian retail banking institution, part of the Erste Bank Group with over 200 years of tradition. The website targets individual consumers in Slovenia, offering personal banking and financial advisory services. The business model focuses on providing tailored financial solutions with a strong emphasis on customer trust and stability. Technically, the site uses a modern CMS platform (GEM) with a solid tech stack including JavaScript, Google Tag Manager, and Cookiebot for privacy compliance. The site is mobile optimized and performs moderately well. Security posture is strong with HTTPS, security headers, and cookie consent mechanisms, though explicit security and incident response policies are not publicly detailed. Overall, the site is professional, trustworthy, and compliant with GDPR requirements.

Detected Technologies

JavaScriptGoogle Tag ManagerCookiebotScarab ResearchJSON-LD structured data

🧠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 in Slovenian banking, leveraging its affiliation with Erste Bank Group. Its competitive advantage lies in its long-standing tradition and personalized customer approach. Revenue streams likely include account fees, loans, and investment services. The target customer segment is retail consumers seeking reliable banking services. The partnership ecosystem includes Erste Group and Telekom Slovenije as registrar. The website reflects a mature digital presence with good branding consistency and trust signals.

Extracted Contact Information

Marketing Intelligence Data

Email Addresses (5)

i*****@sparkasse.siDigitalno
i*****@sparkasse.siKreditiVsi
i*****@sparkasse.siVar
i*****@sparkasse.siCeniki
i*****@sparkasse.si

Phone Numbers (2)

015******
080****

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, comprehensive cookie consent via Cookiebot, and use of security headers. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of a public security policy or incident response contact reduces transparency. There is no visible vulnerability disclosure or security.txt file. The site uses third-party scripts which should be regularly audited. Overall, the security maturity is good but could be improved with explicit policies and incident response information.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page detailing security frameworks and practices.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Banka Sparkasse

Description:

V Sparkasse verjamemo v svoje stranke. Z osebnim pristopom in udobnimi bančnimi storitvami poskrbimo, da tudi vi verjamete vase in vas spremljamo po poti finančnega udobja. Več kot 200-letna tradicija skupine Erste Bank in Sparkasse je dokaz stabilnosti naših temeljev.

Key Services:
personal bankingfinancial advisorybank accountsloansinvestment services
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
JavaScriptGoogle Tag ManagerCookiebotScarab ResearchJSON-LD structured data
Frameworks:
GEM (Erste Group Experience Manager)
Platforms:
Web desktop and mobile responsive
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent management
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics & Tracking

Services:
Google Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Scarab Research
Marketing Tools:
Scarab Research
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is professionally designed and well maintained.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

65/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

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

88/100
Score

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
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

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

Strict DMARC Alignment

LOW

Strict alignment may cause legitimate emails to fail

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 mx ip4:194.110.222.100 ip4:194.110.222.10 ip4:194.110.222.11 ip4:195.246.15.10 ip4:213.150.3.128/27 ip4:198.2.177.10 ip4:168.245.127.126 ip4:168.245.42.12 include:email-messaging.com -all
DNS Lookups:2/10
Policy:-all
DMARC Details
Policy:quarantine
Subdomain Policy:none
Aggregate Reports:dmarc_info@sparkasse.si
Forensic Reports:dmarc_forensic@sparkasse.si

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

0/100
Score

Unable to retrieve SSL certificate

CRITICAL

Could not establish secure connection to retrieve certificate information

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

DNS Records

A Records:99.83.163.74, 15.197.66.31
Name Servers:
taurus-1.siol.net
taurus-2.siol.net
MX Records:
10: straza.sparkasse.si

DNSSEC Status

DNSSEC Not Enabled

SPF Analysis

SPF Record:
v=spf1 mx ip4:194.110.222.100 ip4:194.110.222.10 ip4:194.110.222.11 ip4:195.246.15.10 ip4:213.150.3.128/27 ip4:198.2.177.10 ip4:168.245.127.126 ip4:168.245.42.12 include:email-messaging.com -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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on Erste Group's GEM CMS platform, using modern JavaScript frameworks and libraries. It employs Google Tag Manager and Cookiebot for analytics and privacy management. Hosting and CDN are provided by Erste Group and Telekom Slovenije. The site is mobile responsive and accessible with good SEO metadata. Performance is moderate, with room for optimization. The technical infrastructure is robust but could benefit from enhanced documentation of security and privacy practices.
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