VIPentest · Banking & FinTech

Penetration Testing for
Banking and FinTech

Comprehensive security audits for banks, payment institutions, and FinTech companies. Compliance with KNF, NBP, PSD2, DORA, and PCI-DSS. Certified OSCP, OSWE, CREST experts.

KNF & NBP Compliance
PCI-DSS & PSD2
Certified Experts
Explore Our Services

50+

Financial Institutions

200+

PSD2 API Tests

100%

KNF Compliance

24h

Response Time

Security Challenges

Most Common Threats in the Financial Sector

The banking and FinTech sector is the most targeted industry in cyberspace. We help identify and eliminate critical vulnerabilities before an attack occurs.

Fraud

Transaction Fraud

Payment systems are exposed to automated attacks exploiting business logic flaws, API errors, and inadequate transaction limits. We test authorization mechanisms, limits, and edge case handling.

PII Data

Personal Data Breaches

Every breach of customer data, session tokens, or transaction history results in reputational damage and financial penalties. We verify authentication processes, session management, MFA, and account takeover protection.

API Security

Open Banking API Vulnerabilities

PSD2 and Open Banking mean dozens of external integrations. Every overlooked endpoint, misconfigured OAuth 2.0, or weak JWT validation can open a backdoor into the system. We specialize in financial API audits.

Compliance

Regulatory Requirements: KNF, DORA, PCI-DSS

Financial institutions must meet a range of regulatory requirements: KNF Recommendation D, NBP, PSD2, DORA, PCI-DSS, ISO 27001. We prepare reports compliant with industry standards that pass audits without revisions.

Mobile

Mobile Application Security

Mobile banking applications are a primary attack vector. We test storage, network communication, reverse engineering, root/jailbreak detection, certificate pinning, and biometric authentication mechanisms in accordance with OWASP MASVS.

Infrastructure

Infrastructure and Network Segmentation

Improper network segmentation, weak firewall configurations, and lack of monitoring can lead to lateral movement in the production environment. We conduct infrastructure penetration testing in accordance with PTES and OSSTMM methodologies.

Our Services

Comprehensive Security Testing for the Financial Sector

We offer a full spectrum of penetration testing services tailored to the specific needs of banks, payment institutions, and FinTech companies.

Web Application Penetration Testing for Banks

Comprehensive security analysis of electronic banking systems, customer portals, and administration panels. We test in accordance with OWASP Top 10, OWASP ASVS, and the requirements of financial regulators KNF and NBP.

SQL Injection, XSS, CSRF
Business Logic Flaws
Authorization & Authentication
Session Management

iOS and Android Mobile Application Penetration Testing

In-depth security analysis of mobile banking applications for iOS and Android. We test in accordance with OWASP MASVS (Mobile Application Security Verification Standard) and Google and Apple security guidelines.

Insecure Data Storage
Certificate Pinning
Reverse Engineering
Biometric Authentication

Open Banking and PSD2 API Audits

Specialized security testing of APIs compliant with the PSD2 directive and Open Banking standards. We verify the implementation of OAuth 2.0, Strong Customer Authentication (SCA), JWT token management, and compliance with RTS (Regulatory Technical Standards).

OAuth 2.0 & JWT
SCA Implementation
Rate Limiting & Throttling
API Input Validation

PCI-DSS Compliance Audits

Comprehensive verification of compliance with Payment Card Industry Data Security Standard (PCI-DSS). We test all 12 PCI-DSS standard requirements covering network security, cardholder data protection, vulnerability management, and access control.

12 PCI-DSS Requirements
Cardholder Data Environment
Network Segmentation
Vulnerability Management

Banking Infrastructure Penetration Testing

Comprehensive penetration testing of IT infrastructure for banks and financial institutions. Covering internal and external network testing, segmentation, perimeter defenses, Active Directory, and critical systems (SWIFT, core banking).

Network Penetration Testing
Active Directory Attacks
Lateral Movement
Privilege Escalation
Regulatory Compliance

We Support Compliance with Key Regulations and Standards

Our tests and reports meet the requirements of all key regulators and industry standards in the financial sector.

Polish Financial Supervision Authority

Recommendation D – IT security management in banks

National Bank of Poland

Guidelines on payment system security

Payment Services Directive 2

EU Directive on payment services and Open Banking

Digital Operational Resilience Act

EU regulation on digital operational resilience for the financial sector

Payment Card Industry DSS

Payment card industry data security standard

ISO 27001 & 27002

International information security management standards

GDPR

General Data Protection Regulation

NIS2 Directive

EU Directive on security of network and information systems

Frequently Asked Questions

FAQ – Penetration Testing for Banking

Answers to the most common questions about penetration testing for the banking and FinTech sector.

Yes. The Polish Financial Supervision Authority (KNF) requires financial institutions to conduct regular penetration tests in accordance with Recommendation D on managing information technology areas and IT environment security in banks. Tests should be conducted at least once a year and after every significant change to IT systems.
Testing for the financial sector requires deeper knowledge of regulations (KNF, NBP, PSD2, DORA), industry standards (PCI-DSS, ISO 27001), banking technologies (SWIFT, SEPA, Open Banking API), and specific attack vectors characteristic of financial systems. Our experts have experience testing financial institutions and understand the specifics of this industry.
The duration depends on the scope: web application (5-10 business days), mobile application (3-7 days), Open Banking API (3-5 days), comprehensive infrastructure audit (10-20 days). We include both automated tests and in-depth manual analysis by certified experts.
Yes. We offer comprehensive PCI-DSS compliance audits covering all 12 standard requirements: network security, cardholder data protection, vulnerability management, access control, monitoring, and security testing. We deliver detailed reports compliant with PCI QSA (Qualified Security Assessor) auditor requirements.
As standard practice, we conduct tests in a test environment or in production outside peak hours, using techniques that are safe for system operations. Before starting, we establish communication procedures, testing time windows, and emergency test suspension mechanisms. We carry liability insurance of EUR 1 million.
In accordance with KNF requirements – at least once a year and after every significant change (new features, migrations, infrastructure changes). For critical systems and payment-processing applications, we recommend testing every 6 months. Additionally, tests are required before launching new systems into production.
Our experts hold certifications including: OSCP (Offensive Security Certified Professional), OSWE (Offensive Security Web Expert), CEH (Certified Ethical Hacker), CREST CRT/CCT, eWPTX. Additionally, we have experience in audits for banks, payment institutions, and FinTech companies in accordance with KNF and NBP requirements.
Yes. We specialize in testing Open Banking APIs compliant with PSD2. We verify: OAuth 2.0 authorization, Strong Customer Authentication (SCA), JWT token security, rate limiting, input data validation, error handling, and compliance with RTS (Regulatory Technical Standards) on secure communication.
The report includes: an executive summary for management, a detailed description of identified vulnerabilities with risk assessment (CVSS), exploitation evidence (screenshots, requests), step-by-step remediation recommendations, mapping to regulatory requirements (KNF, PCI-DSS, OWASP), testing timeline, and a technical appendix. The format is tailored to auditor and regulator requirements.
Before starting a project, we sign an NDA (Non-Disclosure Agreement) and a GDPR-compliant data processing agreement. Test data is encrypted and stored on secure servers in Poland. After the project is completed, all data is permanently deleted in accordance with our procedures. The team holds current personnel security clearances.

Ready to Secure Your Financial Institution?

Order a free 24-hour audit and receive a professional security analysis of your banking application or FinTech system.

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📞 +44 7871054403 | 📧 contact@vipentest.com