Scanned on 10 October 2026 at 11:49 UTC
As of , oak.bank has a GDPR compliance score of 0/100 with 30 pre-consent tracking violations detected.
Only Privacy Score 100 means full compliance. These violations mean that before you could even click the Cookie Consent banner, this website already collected your personal data and shared it with third parties. Learn why this matters (our blog) →
Who is responsible? The website owner is solely responsible for these violations and in general often benefits monetarily (directly or indirectly) from collecting and sharing your data without your consent.
No consent platform recognised
The site may use a custom or unrecognised banner. This is informational and does not affect the score.
Tracks your browsing behaviour to build a profile and serve targeted ads before you give consent.
A tag manager loading tracking scripts before the visitor has given consent.
Collects usage statistics (pages visited, clicks, session duration) without consent.
These are fonts, embeds, and other resources loaded from external servers. While they serve a legitimate purpose, they share your visitors' IP addresses with third parties before consent.
Tracking cookies are used to identify and follow users across websites. Under GDPR, these require explicit consent before being set, but on this website they are active immediately.
Services and cookies that comply with GDPR requirements. No consent needed.
Recognised and seen loading before consent, but we did not observe them transmit tracking data, so they are not counted in your score. Worth checking each still respects consent.
Recognised but not counted. No impact on your privacy score.
Most findings on this page are configuration problems, not catastrophes. These plain-language guides explain what each one means and how to fix it, written for website owners rather than lawyers.
All guides live at gdprscanner.eu/guides.
oak.bank has a GDPR compliance score of 0/100.
A score below 50 indicates serious GDPR compliance failures. Multiple high-severity trackers or advertising scripts load before consent, exposing the website to potential fines of up to €20 million or 4% of annual global turnover under GDPR Article 83.
50 trackers detected loading before user consent:
Legal basis: This violates GDPR Article 6(1) and LG München I (Case 3 O 17493/20, 20 January 2022). Loading fonts from an external server sends the visitor's IP address to that server. On 20 January 2022 the Munich Regional Court held that a dynamic IP address is personal data for the website operator, and that passing it to Google without consent could not be justified by legitimate interest, because the fonts could be self-hosted. It ordered the operator to stop and to pay the claimant €100 in damages. Self-hosting fonts avoids the issue.
Legal basis: This violates ePrivacy Directive Article 5(3) and CNIL Decisions SAN-2020-012 and SAN-2025-005. Tag managers that load tracking scripts before the visitor has chosen let those trackers run without consent. The CNIL has fined companies for trackers that ran before consent, including Google (€100 million, December 2020) and SHEIN (€150 million, September 2025), and in March 2025 the Hanover Administrative Court (10 A 5385/22) held that Google Tag Manager itself needs consent under the German law implementing Article 5(3).
This GDPR compliance scan of oak.bank was performed by GDPR Scanner, a pre-consent privacy scanning tool. The scan captures all trackers, cookies, and third-party scripts that load before a user clicks any consent button.
Under GDPR (General Data Protection Regulation), websites must obtain explicit consent before processing personal data. Any tracker or cookie that fires before consent is a potential violation of EU privacy law.
A privacy score of 100/100 means the website loads zero trackers and zero tracking cookies before the user gives consent. This is the standard required by GDPR Article 5(1)(a) and Article 7.
Essential cookies (session management, security tokens) and first-party functional cookies do not incur penalties, as they are covered by the legitimate interest legal basis. See an example: playhth.com scores 100/100.
Legal basis: This violates GDPR Article 6(1)(a) and ePrivacy Directive Article 5(3). Analytics trackers read information from the visitor's device and send it to the analytics provider together with the visitor's IP address, which can be personal data under the GDPR. The ePrivacy Directive (Article 5(3)) requires consent before that happens unless it is strictly necessary for a service the visitor asked for. Analytics generally does not qualify; only narrowly configured audience measurement can, under national guidance such as the CNIL's.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1) and LG München I (Case 3 O 17493/20). Loading a resource from a third-party server sends the visitor's IP address to that server. The Munich Regional Court held in January 2022 that a dynamic IP address is personal data for the website operator, so passing it on needs a legal basis, and legitimate interest did not cover a resource the site could have hosted itself.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a) and ePrivacy Directive Article 5(3). Analytics trackers read information from the visitor's device and send it to the analytics provider together with the visitor's IP address, which can be personal data under the GDPR. The ePrivacy Directive (Article 5(3)) requires consent before that happens unless it is strictly necessary for a service the visitor asked for. Analytics generally does not qualify; only narrowly configured audience measurement can, under national guidance such as the CNIL's.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a), ePrivacy Directive Article 5(3), and CJEU Planet49 (C-673/17). Advertising trackers profile visitors for targeted ads, which needs the visitor's consent. The Court of Justice of the EU held in Planet49 (C-673/17, 1 October 2019) that a pre-ticked checkbox is not valid consent: consent requires an active choice by the visitor.
Legal basis: This violates GDPR Article 6(1)(a) and ePrivacy Directive Article 5(3). Analytics trackers read information from the visitor's device and send it to the analytics provider together with the visitor's IP address, which can be personal data under the GDPR. The ePrivacy Directive (Article 5(3)) requires consent before that happens unless it is strictly necessary for a service the visitor asked for. Analytics generally does not qualify; only narrowly configured audience measurement can, under national guidance such as the CNIL's.
| Cookie Name | Domain | Type | Service | Duration |
|---|---|---|---|---|
| _ga | .oak.bank | 1st party | Google Analytics - ID used to identify users | Session |
| _gcl_au | .oak.bank | 1st party | Google Ads - Google Ads first-party conversion attribution | Session |
| _gid | .oak.bank | 1st party | Google Analytics - Google Analytics session identifier | Session |
| _gat_UA-25865436-1 | .oak.bank | 1st party | Google Analytics - Used to monitor number of Google Analytics server requests when using Google Tag Manager | Session |
| _fbp | .oak.bank | 1st party | Facebook - Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers | Session |
| _ga_R5MB9GJM4G | .oak.bank | 1st party | Google Analytics - ID used to identify users | Session |
| _gat_UA-230039447-1 | .oak.bank | 1st party | Google Analytics - Used to monitor number of Google Analytics server requests when using Google Tag Manager | Session |
| _ga_41Q597828W | .oak.bank | 1st party | Google Analytics - ID used to identify users | Session |
| _ga_3RR6BEY4Z6 | .oak.bank | 1st party | Google Analytics - ID used to identify users | Session |
oak.bank has serious GDPR compliance deficiencies with a score of 0/100 and 30 violations detected. Multiple trackers and cookies are loading before user consent, which constitutes a clear breach of the ePrivacy Directive Article 5(3).
This level of non-compliance exposes the website operator to significant regulatory risk. Under GDPR Article 83(5), infringements of the basic principles for processing, including the conditions for consent, can be fined up to €20 million or 4% of worldwide annual turnover. Recent enforcement trends show increasing DPA activity across the EU.
Immediate action is recommended: audit all third-party scripts, implement a Consent Management Platform (CMP) that blocks non-essential trackers before consent, and verify compliance through re-scanning.
oak.bank scores 0/100 with 30 violation(s) detected. Trackers or cookies were found loading before user consent.
Our scan detected 66 tracker(s) loading before consent, including Google Fonts, Google Ajax APIs (Google Hosted Libraries), Google Tag Manager (active - loading: Google Analytics, Google DoubleClick, Facebook Pixel +15 more).
Yes, 11 cookie(s) were detected before the user interacted with any consent banner.
oak.bank has a GDPR compliance score of 0/100 as of 10 October 2026. A score of 100 means no trackers or cookies that require consent were detected before consent. oak.bank currently has 30 violation(s) affecting its score.
oak.bank should implement a Consent Management Platform (CMP) that blocks all non-essential trackers and cookies until the visitor gives explicit consent. This includes configuring tag managers like Google Tag Manager to use consent-aware triggers, self-hosting external fonts, and auditing all third-party scripts. After making changes, re-scan with GDPR Scanner to check the result.