Is zaba.hr Safe? Security Analysis for Zagrebačka banka
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Below Finance avg (78)
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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
Zagrebačka banka is a leading Croatian financial institution offering a broad range of retail and corporate banking services. The website reflects a mature digital presence with comprehensive information on loans, savings, insurance, and digital banking platforms such as mobile and internet banking. The bank targets a wide audience including individuals, small and large businesses, and private banking clients. The site is professionally designed with consistent branding and clear navigation, supporting a strong market position within Croatia and under the UniCredit Group umbrella. Technically, the website employs modern JavaScript libraries and analytics tools such as Adobe Analytics and Tealium, hosted on Akamai infrastructure for performance and reliability. The site is mobile-optimized and accessible, with good SEO practices. Security posture is solid with HTTPS enforced and cookie consent mechanisms in place, though explicit security policies and incident response disclosures are absent. Overall, the website demonstrates a high level of professionalism, trustworthiness, and compliance with privacy regulations such as GDPR. No critical vulnerabilities or suspicious activities were detected. The domain's WHOIS data confirms legitimacy with a long registration history and consistent registrant information. Strategic recommendations include publishing a dedicated security policy, incident response plan, and vulnerability disclosure guidelines to enhance transparency and trust. Regular security audits and header enhancements would further strengthen the security posture.
Detected Technologies
9 urgent findings need attention
1 critical · 8 high
- + 1 more findings in the full report below
Keep zaba.hr under constant watch
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
3 findings
80/100
GDPR Compliance
4 findings
25/100
NIS2 Compliance
8 findings
17/100
Email Security
3 findings
73/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Zagrebačka banka operates as a major player in the Croatian banking sector, leveraging its affiliation with UniCredit Group to offer a comprehensive suite of financial products. Its business model focuses on retail banking, corporate services, and private banking, supported by digital transformation initiatives such as mobile and internet banking. The bank's revenue streams likely include interest income from loans, fees from card services, and commissions from investment and insurance products. The website indicates active partnerships and subsidiaries, expanding its service ecosystem. The bank targets diverse customer segments from individuals to large enterprises, emphasizing community development and customer loyalty programs. Growth indicators include digital service adoption and promotional campaigns. The partnership ecosystem includes leasing, investment, and insurance subsidiaries, enhancing cross-selling opportunities.
Security Posture Analysis
Comprehensive Security Assessment
The website exhibits a mature security posture with mandatory HTTPS encryption and cookie consent mechanisms aligned with GDPR requirements. Use of reputable analytics and tag management tools is evident, though these introduce a moderate level of user tracking. No security headers were explicitly detected in the HTML content, suggesting room for improvement. There is no public security policy or incident response information, which limits transparency. No vulnerabilities or exposed sensitive data were found in the source. The absence of a security.txt or vulnerability disclosure page indicates a gap in responsible disclosure practices. Overall, the security maturity is good but could benefit from enhanced transparency and technical controls such as security headers and documented incident response procedures.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a comprehensive security policy page accessible from the website footer.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Zagrebačka banka
Informacije o kreditima, karticama, štednji i ostalim uslugama Zabe. Upotrijebite naš kalkulator, zatražite online kredit ili se savjetujte s našim bankarima!
excellent
consistent
Technical Stack
moderate
excellent
good
good
Security Assessment
- HTTPS enforced
- Cookie consent mechanism
- No exposed sensitive data in HTML
- Use of security-focused JavaScript libraries
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well maintained
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
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
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Twitter, LinkedIn, YouTube, Google APIs
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
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📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
SPF Details
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
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Mixed Content Detected
MEDIUM6 resources loaded over insecure HTTP
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
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
How does zaba.hr compare?
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🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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