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Is unicredit.ba a Scam? Security Check Results - UniCredit Bank

unicredit.ba Security Report Summary

unicredit.ba received a security score of 51 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers UniCredit Bank's website security posture. UniCredit Bank operates in the Finance industry in Bosnia and Herzegovina.

UniCredit Bank Bosnia and Herzegovina operates a professional and comprehensive retail banking website offering a wide range of financial products including loans, savings, digital banking, and insurance. The bank is part of the UniCredit Group, a well-established international banking group, which is reflected in consistent branding and domain registration data. The website demonstrates a mature digital infrastructure with modern technologies such as Adobe Experience Manager CMS, Adobe Analytics, and Tealium tag management, supporting a good user experience and mobile optimization. Security measures include HTTPS enforcement and Content Security Policy headers, although some improvements in header strictness are recommended. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Contact information is transparent and includes multiple channels such as phone, email, and online forms. Overall, the website is trustworthy, professionally maintained, and suitable for general audiences.

The security scan identified 20 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, jQuery, Bootstrap, Adobe Analytics, Tealium Tag Management, Service Workers.

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 unicredit.ba Safe? Security Analysis for UniCredit Bank

https://unicredit.ba

Check if unicredit.ba is a scam or legitimate. Free security scan and reviews.

FinanceBosnia and Herzegovinalarge
JavaScriptjQueryBootstrapAdobe AnalyticsTealium Tag Management+1 more
Analyzed 7/24/2025Completed 8:09:20 AM8mo ago
51
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domainunicredit.ba
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.

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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

UniCredit Bank Bosnia and Herzegovina operates a professional and comprehensive retail banking website offering a wide range of financial products including loans, savings, digital banking, and insurance. The bank is part of the UniCredit Group, a well-established international banking group, which is reflected in consistent branding and domain registration data. The website demonstrates a mature digital infrastructure with modern technologies such as Adobe Experience Manager CMS, Adobe Analytics, and Tealium tag management, supporting a good user experience and mobile optimization. Security measures include HTTPS enforcement and Content Security Policy headers, although some improvements in header strictness are recommended. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Contact information is transparent and includes multiple channels such as phone, email, and online forms. Overall, the website is trustworthy, professionally maintained, and suitable for general audiences.

Detected Technologies

JavaScriptjQueryBootstrapAdobe AnalyticsTealium Tag ManagementService Workers

8 urgent findings need attention

1 critical · 7 high

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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

0/100

GDPR Compliance

3 findings

50/100

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

The bank targets individual consumers in Bosnia and Herzegovina, providing essential retail banking services with a focus on digital transformation. Its business model leverages both physical branches and digital channels, including mobile and internet banking. The presence of multiple loan products, savings options, and insurance services indicates a diversified revenue stream. The website's integration with UniCredit Group domains and services suggests strong corporate backing and a stable market position. The bank actively engages customers through social media and provides comprehensive customer support. The digital maturity and security posture support a competitive advantage in the local banking sector.

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a solid security foundation with HTTPS and a Content Security Policy that restricts object sources and allows only secure origins. The use of service workers indicates advanced web capabilities but requires careful security management. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the CSP includes 'unsafe-eval' and 'unsafe-inline', which could be tightened to reduce risk. Additional security headers like X-Frame-Options and Referrer-Policy are not evident and should be implemented. No explicit incident response or security policy pages were found, which could be improved to enhance transparency and readiness. Overall, the security posture is good but can be enhanced with stricter policies and documented incident response.

Strategic Recommendations

Priority Actions for Security Improvement

1

Remove or restrict 'unsafe-eval' and 'unsafe-inline' in Content Security Policy to enhance script security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

UniCredit Bank

Description:

UniCredit Bank offers a wide range of banking products and services for individuals including loans, savings, digital banking, insurance, and payment cards.

Key Services:
Gotovinski krediti (Cash loans)Stambeni krediti (Mortgage loans)Namjenski krediti (Purpose loans)Kreditne kartice (Credit cards)Računi i dopušteno prekoračenje (Accounts and overdrafts)Paket računi (Account packages)Debitne kartice (Debit cards)Štednja (Savings products)Digitalne usluge (Mobile and Internet banking)Osiguranje (Insurance products)
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
JavaScriptjQueryBootstrapAdobe AnalyticsTealium Tag ManagementService Workers
Frameworks:
Bootstrap
Platforms:
Web browsers (Chrome, Edge, Firefox supported)
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Content Security Policy present
  • No object-src allowed
  • Service Worker registered for offline support
  • No exposed sensitive data in HTML

Analytics & Tracking

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

Advertising & Marketing

Tracking Pixels:
Adobe AnalyticsTealium
Marketing Tools:
Tealium Tag ManagementAdobe Analytics
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is professionally designed and maintained by UniCredit Bank Bosnia and Herzegovina

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

0/100
Score
Analysis failed - content could not be retrieved

👤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

Third-party services without privacy policy

HIGH

Detected services: LinkedIn, YouTube

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

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 include:%{ir}.%{v}.%{d}.spf.has.pphosted.com -all
DNS Lookups:1/10
Policy:-all
DMARC Details
Policy:quarantine
Aggregate Reports:dmarc_rua@emaildefense.proofpoint.com
Forensic Reports:dmarc_ruf@emaildefense.proofpoint.com

🏆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

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:88.221.25.121, 88.221.25.40
Name Servers:
a1-65.akam.netDNS only
a11-66.akam.netDNS only
a13-67.akam.netDNS only
a22-64.akam.netDNS only
a28-65.akam.netDNS only
a6-66.akam.netDNS only
MX Records:
50: mx2.ba.unicreditgroup.eu
50: mx1.ba.unicreditgroup.eu
SOA:Serial: 2024082707, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:49ms

SPF Analysis

SPF Record:
v=spf1 include:%{ir}.%{v}.%{d}.spf.has.pphosted.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

How does unicredit.ba compare?

See how unicredit.ba 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 on Adobe Experience Manager CMS, utilizing modern JavaScript libraries including jQuery and Bootstrap for responsive design. Analytics and tag management are handled via Adobe Analytics and Tealium, indicating a sophisticated marketing and data collection setup. Service workers are used for offline capabilities, enhancing user experience. The site is mobile optimized with responsive images and adaptive navigation. Performance is moderate, with potential for improvement in loading speed and resource optimization. The technical implementation is robust, supporting a professional banking service with room for modernization in security headers and performance tuning.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

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

Domainunicredit.ba
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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