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Is swedbank.ee a Scam? Security Check Results - Swedbank AS

swedbank.ee Security Report Summary

swedbank.ee received a security score of 68 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Swedbank AS's website security posture. Swedbank AS operates in the Finance industry in Estonia.

Swedbank AS is a leading Estonian bank providing a wide range of financial services including daily banking, financing, insurance, investment, and savings solutions. The website serves both private and business clients with a strong focus on digital banking services such as internet and mobile banking. The company holds a strong market position in Estonia and is part of the larger Swedbank Group, with several subsidiaries specializing in leasing, investment funds, and insurance. The website content is professionally designed, localized primarily in Estonian with English translations, and demonstrates a high level of GDPR compliance and user privacy awareness. Technically, the website employs modern web technologies including Web Components, JavaScript frameworks, and optimized asset loading strategies. It supports multiple authentication methods including Smart-ID, Mobile-ID, and biometrics, indicating a mature digital infrastructure. Performance and mobile optimization are excellent, with good accessibility and SEO practices observed. From a security perspective, the site uses HTTPS with strong SSL configuration and implements best practices such as ARIA labels for accessibility and cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response contacts are not prominently published, suggesting room for improvement in transparency. Overall, the website is trustworthy, professional, and secure, reflecting the reputation of a major financial institution. Recommendations include publishing detailed security policies, adding a security.txt file for vulnerability disclosures, and enhancing visible security headers to further strengthen the security posture.

The security scan identified 26 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Web Components (webjars/webcomponents 3.25.0), JavaScript, CSS, Moment.js, HTTPS, Prefetch and preload for fonts and images.

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 swedbank.ee Safe? Security Analysis for Swedbank AS

https://swedbank.ee

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

FinanceEstonialarge
Web Components (webjars/webcomponents 3.25.0)JavaScriptCSSMoment.jsHTTPS+1 more
Analyzed 11/1/2025Completed 12:57:25 PM4mo ago
68
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainswedbank.ee
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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

AI Summary

Swedbank AS is a leading Estonian bank providing a wide range of financial services including daily banking, financing, insurance, investment, and savings solutions. The website serves both private and business clients with a strong focus on digital banking services such as internet and mobile banking. The company holds a strong market position in Estonia and is part of the larger Swedbank Group, with several subsidiaries specializing in leasing, investment funds, and insurance. The website content is professionally designed, localized primarily in Estonian with English translations, and demonstrates a high level of GDPR compliance and user privacy awareness. Technically, the website employs modern web technologies including Web Components, JavaScript frameworks, and optimized asset loading strategies. It supports multiple authentication methods including Smart-ID, Mobile-ID, and biometrics, indicating a mature digital infrastructure. Performance and mobile optimization are excellent, with good accessibility and SEO practices observed. From a security perspective, the site uses HTTPS with strong SSL configuration and implements best practices such as ARIA labels for accessibility and cookie consent mechanisms. No critical vulnerabilities or exposed sensitive data were detected. However, explicit security policies and incident response contacts are not prominently published, suggesting room for improvement in transparency. Overall, the website is trustworthy, professional, and secure, reflecting the reputation of a major financial institution. Recommendations include publishing detailed security policies, adding a security.txt file for vulnerability disclosures, and enhancing visible security headers to further strengthen the security posture.

Detected Technologies

Web Components (webjars/webcomponents 3.25.0)JavaScriptCSSMoment.jsHTTPSPrefetch and preload for fonts and images

8 urgent findings need attention

1 critical · 7 high

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

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

2 findings

85/100

GDPR Compliance

3 findings

40/100

NIS2 Compliance

8 findings

17/100

Email Security

4 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Swedbank AS operates as a full-service bank in Estonia, targeting private individuals and businesses. Its business model revolves around providing comprehensive financial services including banking, loans, leasing, insurance, and investment products. The company benefits from its affiliation with the Swedbank Group, leveraging shared resources and subsidiaries to offer specialized services. Revenue streams likely include interest income, fees from banking and insurance products, and investment management fees. The website indicates a strong partnership ecosystem with other Nordic and Baltic financial institutions. Growth indicators include continuous digital service enhancements and personalized customer offerings. The company maintains a strong competitive position in the Estonian market with a focus on compliance and customer data protection.

Security Posture Analysis

Comprehensive Security Assessment

The security maturity of the website is high, with HTTPS enforced and modern authentication methods integrated. The presence of cookie consent and GDPR-compliant privacy policies indicates a strong commitment to data protection. No vulnerabilities or security misconfigurations were detected in the provided content. However, the absence of a publicly available security policy or incident response contact information is a gap in transparency and readiness communication. The site uses ARIA labels and other accessibility features that also contribute to secure and user-friendly design. Overall, the security posture is robust but could be enhanced by publishing explicit security governance documents and vulnerability disclosure policies.

Strategic Recommendations

Priority Actions for Security Improvement

1

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

Company:

Swedbank AS

Description:

Eesti mainekaim pank, mis toetab inimeste, ettevõtete ja ühiskonna arengut. Pakub igapäevaseid pangatoiminguid, finantseerimist, kindlustust, investeerimist ja säästmist.

Key Services:
InternetipankMobiilipankLaenud ja liisingKindlustusInvesteerimisteenusedFinantsnõustamine
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Web Components (webjars/webcomponents 3.25.0)JavaScriptCSSMoment.jsHTTPSPrefetch and preload for fonts and images
Frameworks:
SharedComponents UI framework
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • Use of HTTPS
  • Use of modern authentication methods (Smart-ID, Mobile-ID, Biometric)
  • No exposed sensitive data in HTML
  • Use of ARIA labels for accessibility
  • Cookie consent mechanism present

Analytics & Tracking

Services:
Adobe Omniture
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Adobe Omniture (swedbankab.d3.sc.omtrdc.net)
Marketing Tools:
Cookie consent scriptsPersonalized offers based on data processing
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 a professional banking portal for Swedbank Estonia.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

85/100
Score

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

40/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Facebook, YouTube

GDPR Compliance Analysis

Privacy Policy0% 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

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📧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

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 mx:swedbank.se ip4:164.10.52.33 ip4:164.10.52.34 ip4:164.10.46.101 ip4:164.10.46.102 ip4:193.40.195.167 ip4:193.40.195.168 ip4:95.216.65.121 ip4:164.10.106.10 ip4:164.10.106.11 ip4:164.10.107.10 ip4:164.10.107.11 -all
DNS Lookups:2/10
Policy:-all
DMARC Details
Policy:reject
Aggregate Reports:0adade39@inbox.eu.redsift.cloud
Forensic Reports:dmarc-report@swedbank.se

🏆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

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

DNS Records

A Records:193.203.196.77
Name Servers:
dns1.p01.nsone.net
dns2.p01.nsone.net
dns3.p01.nsone.net
dns4.p01.nsone.net
MX Records:
10: mail3.swedbank.ee
10: mail4.swedbank.ee
SOA:Serial: 2022042503, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:39ms

SPF Analysis

SPF Record:
v=spf1 mx mx:swedbank.se ip4:164.10.52.33 ip4:164.10.52.34 ip4:164.10.46.101 ip4:164.10.46.102 ip4:193.40.195.167 ip4:193.40.195.168 ip4:95.216.65.121 ip4:164.10.106.10 ip4:164.10.106.11 ip4:164.10.107.10 ip4:164.10.107.11 -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 swedbank.ee compare?

See how swedbank.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 uses a modern tech stack including Web Components (version 3.25.0), JavaScript, CSS, and Moment.js for date localization. It preloads fonts and images for performance optimization and uses preconnect hints for third-party domains. The site is mobile-optimized with responsive design and accessibility features such as ARIA labels. Hosting details are not explicit but DNS uses NS1 name servers. The site loads quickly and uses proper meta tags for SEO and social sharing (Open Graph). No CMS is explicitly detected, suggesting a custom or proprietary platform. Overall, the technical infrastructure is modern, performant, and well-implemented with minor opportunities for further optimization.
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PDF Report & Export

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39.90 €one-time • Incl. 21% VAT

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

Domainswedbank.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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