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
- 0+Financial Institutions
- 0+PSD2 API Tests
- 0%KNF Compliance
- 24hResponse Time
- 09:41:02Instant transfer2 450,00 PLNSCA
- 09:41:07Open Banking · AIS—TOKEN
- 09:41:11Card payment129,99 PLN3-DS
- 09:41:15Transfer · new payee9 999,00 PLNFRAUD
- 09:41:16Daily limit · retry ×149 999,00 PLNBLOCK
- SCA / 2FA
- PSD2 API · OAuth 2.0
- PCI-DSS
- Regulator guidelines
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.
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.
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.
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.
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 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 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.
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
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
FAQ – Penetration Testing for Banking
Answers to the most common questions about penetration testing for the banking and FinTech sector.
Are penetration tests required by KNF?
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.
How do penetration tests for banks differ from standard pentests?
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.
How long does a penetration test of a banking application take?
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.
Does VIPentest help achieve PCI-DSS compliance?
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.
Can penetration tests disrupt banking system operations?
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.
How often should penetration tests be conducted at a bank?
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.
What certifications do your testing teams hold?
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.
Does VIPentest test API compliance with the PSD2 directive?
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.
What does a penetration test report for a bank include?
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.
How does VIPentest ensure confidentiality during testing?
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.
- Enquiry confirmedWe reply within 24 h on business days and ask about the scope.
- Scoping call under NDAWe agree on goals, environment, dates and access.
- Quote and test planUsually the same day after the call. No commitment.
- Retest within 30 days included
- Audit-ready report
- Vulnerability management platform
Order a Free Audit
Contact us and receive a free consultation. Our certified experts will help you select the optimal scope of penetration testing for your financial institution.
