The Swedbank website in Estonia — four pages, 168 requests, and only three of them leave the bank's own domains. A banner with three equally weighted buttons, including 'Nõustun vajalike küpsistega', with categories switched off. The only third-party request is statistics about the banner itself in Adobe Analytics: how many times it was shown and how many times 'save' was clicked, without a visitor identifier. The cookie declaration is detailed. No violations recorded.
Request timeline
Declared versus actual
Transfer timings
cookieConsentView, the cookie report suite.
A save-my-preferences click.
Detected trackers
- Adobe Analytics (swedbankab.d3.sc.omtrdc.net, report suite swedbankabbballcookieprod) — three requests: a banner view and two 'save preferences' clicks; no visitor identifier in the requests
- First party: swedbank.ee, www.swedbank.ee, log-in.swedbank.ee, blog.swedbank.ee
Context
swedbank.ee is the website of Swedbank in Estonia and of the group’s financial companies: Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. The site is served from the bank’s own domains and protected by a strict Content-Security-Policy header.
The measurement is a single capture of four pages: the private clients homepage, the private clients section, the Gold segment, and the cookie page. In total, 168 requests, of which only three leave the bank’s domains.
Processing is described by the cookie banner, the cookie declaration, and the “Küpsiste kasutamine” page.
Who receives data directly
Only Adobe — statistics about the cookie banner itself, without a visitor identifier.
Declared versus actual
Here, what is described and what runs match. The banner offers three equally weighted buttons: accept all, accept only necessary, and manage. Functional, analytics, and marketing cookies are switched off by default. The cookie page has a link to change preferences and withdraw consent. The declaration is detailed: for each cookie, it gives the provider, purpose, and duration, including for Adobe and Glassbox.
Across the whole capture, three requests left the bank’s domains, all of them to Adobe Analytics, into a separate report suite for the cookie banner. The first reports that the banner was shown, the other two that the visitor clicked “save preferences”. The requests transmit the page address, language, and country, but no visitor identifier: no mid, aid, or vid. Neither full Adobe analytics, nor Glassbox, nor any advertising appears in the capture.
One remark that does not affect the conclusion. The banner view statistics go to Adobe before the visitor’s choice. For requests without an identifier or cookies, this is a minimal intrusion, but it does pass the visitor’s IP address to Adobe. It would be more accurate to describe these statistics as a separate line in the declaration.
Consent: what is proven and what is not
Proven: refusal of non-essential cookies is available on the first layer. The “Nõustun vajalike küpsistega” button in screenshot 1.
Proven: analytics and advertising did not run in the capture. Apart from the banner statistics, not a single third-party request.
Proven: the banner statistics carry no visitor identifier. The parameters of the requests to Adobe contain no identifiers.
Not established: whether Adobe sets a cookie on its own domain. Cookie and Set-Cookie headers were removed during cleaning. The finding that no identifier is present rests on the request parameters.
Not established: behaviour after full consent. The visitor saved settings without enabling additional categories.
Boundaries of this observation
The measurement covers the site’s public pages. Internet banking and login were not examined. The observation records browser behavior, not server-side processing. The file has been published cleaned: Cookie headers were removed.
Legal assessment falls to the competent authority — the Andmekaitse Inspektsioon.
Conclusion
Swedbank shows what it looks like at a large bank when it is done carefully: three equally weighted buttons on the first screen, categories off by default, a detailed declaration, and almost no third-party requests. The only thing to leave the site before any choice is anonymised statistics about the banner itself. No violations recorded.
Suggestion: list the banner statistics in Adobe Analytics as a separate line in the cookie declaration.
How to verify: download the file and compute its checksum — sha256sum file.har (Linux, macOS) or certutil -hashfile file.har SHA256 (Windows); it must match the one shown. The conclusions apply to the scope of this measurement — see the limitations of the method.
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Тема: Запрос доступа к персональным данным (ст. 15 GDPR) — swedbank.ee Кому: [укажите адрес компании — DPO / поддержка / юридический отдел] От: [Ваше имя], [контактный email] Прошу предоставить доступ к моим персональным данным, обрабатываемым в связи с использованием сайта swedbank.ee. 1. Категории данных и цели обработки (ст. 15(1)(a)-(c)) Прошу предоставить информацию по всем категориям, целям и получателям обработки моих данных на этом сайте — независимо от того, выявлены ли на сегодняшний день какие-либо несоответствия. 2. Получатели, сроки хранения и передача за пределы ЕЭЗ (ст. 15(1)(c)-(d), 46) Прошу также указать полный список третьих лиц-получателей, применимые сроки хранения по каждой категории и правовые основания передачи данных за пределы ЕЭЗ, если таковая происходит. Полный технический разбор с доказательствами (сохранённый сетевой журнал, контрольная сумма SHA-256) опубликован по адресу: https://gdpru.eu/en/audits/ee-swedbank-ee/ 3. Автоматизированная обработка и профилирование (ст. 15(1)(h)) Прошу сообщить, применяется ли в отношении меня автоматизированное принятие решений или профилирование, и если да — раскрыть логику такой обработки. С уважением, [Ваше имя] [контактный email] [Страна] [Дата]
Subject: Data access request (GDPR Art. 15) — swedbank.ee To: [insert the company's address — DPO / support / legal department] From: [Your name], [contact email] I request access to my personal data processed in connection with the website swedbank.ee. 1. Categories of data and purposes of processing (Art. 15(1)(a)-(c)) I request information on all categories, purposes, and recipients of my data processed on this site — regardless of whether any non-compliance has been identified to date. 2. Recipients, retention periods, and transfers outside the EEA (Art. 15(1)(c)-(d), 46) I also request the full list of third-party recipients, the applicable retention period for each category, and the legal basis for any transfer of data outside the EEA. The full technical audit with evidence (saved network log, SHA-256 checksum) is published at: https://gdpru.eu/en/audits/ee-swedbank-ee/ 3. Automated processing and profiling (Art. 15(1)(h)) Please state whether I am subject to automated decision-making or profiling, and if so, disclose the logic involved. Sincerely, [Your name] [contact email] [Country] [Date]
Teema: Isikuandmetele juurdepääsu taotlus (IKÜM art 15) — swedbank.ee Kellele: [märkige ettevõtte aadress — DPO / tugi / juriidiline osakond] Kellelt: [Teie nimi], [kontakt-e-post] Palun anda mulle juurdepääs minu isikuandmetele, mida töödeldakse seoses veebisaidi swedbank.ee kasutamisega. 1. Andmekategooriad ja töötlemise eesmärgid (IKÜM art 15(1)(a)-(c)) Palun esitada teave kõigi minu andmete töötlemise kategooriate, eesmärkide ja vastuvõtjate kohta sellel veebisaidil — sõltumata sellest, kas praeguseks on tuvastatud mingeid mittevastavusi. 2. Vastuvõtjad, säilitustähtajad ja edastamine väljapoole EMP-d (IKÜM art 15(1)(c)-(d), 46) Palun samuti esitada täielik loetelu kolmandatest isikutest vastuvõtjatest, iga kategooria puhul kohaldatavad säilitustähtajad ning andmete EMP-välisele edastamisele kohaldatav õiguslik alus, kui selline edastamine toimub. Täielik tehniline analüüs koos tõenditega (salvestatud võrgulogi, SHA-256 kontrollsumma) on avaldatud aadressil: https://gdpru.eu/en/audits/ee-swedbank-ee/ 3. Automatiseeritud töötlemine ja profiilianalüüs (IKÜM art 15(1)(h)) Palun teatada, kas minu suhtes kohaldatakse automatiseeritud otsuste tegemist või profiilianalüüsi, ning kui jah, siis avaldada selle loogika. Lugupidamisega, [Teie nimi] [kontakt-e-post] [Riik] [Kuupäev]