Сбербанк Онлайн 7.7.2 (Android / Google Play)

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This application is available for Android. This app is designed to make transfers from card to card payment systems Visa and MasterCard banks in Russia by popular bank brand. The latest build was released on May 22, 2017. Our latest check was performed on Feb 26th, 2017.

Findings Summary

Our examination revealed total 24 items, where were 6 DAR items and 18 DIT items found. Among DAR items were found 0 worst items, 6 bad items, 0 good items, and 0 best items. Among DIT items were found 2 worst items, 0 bad items, 14 good items, and 1 best item.

Below you find 4 infographics summarizing what we described above. Each image provides information about both DAR and DIT items.

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Everything presented below is related to well-known CWEs, such as Sensitive data leakage [CWE-200], Unsafe sensitive data storage [CWE-312], Unsafe sensitive data transmission [CWE-319]. You can read more about it here.

Now let’s go deeper and examine each data item’s protection level.

Application Description

Let’s cite the description of this application below:

Вы просили, ждали, надеялись, и мы сделали это. Встречайте новый Сбербанк Онлайн для Android – самое безопасное банковское приложение в мире, в котором доступны платежи и переводы без шаблонов.
Мы встроили в мобильное приложение антивирус. Теперь вы можете совершать любые операции, зная, что ваши финансы в безопасности:

  • Оплачивайте без комиссии услуги более 30 000 поставщиков, включая оплату мобильной связи, интернета, ЖКХ и штрафов.
  • Переводите деньги десяткам миллионов клиентов Сбербанка из адресной книги приложения, зная только номер телефона получателя.

Гарантия безопасности является обязательным условием для такого кардинального изменения приложения, и, при возникновении любых опасностей, мы вынуждены ограничить функционал, предоставляя доступ к оплате услуг и внешним переводам только по шаблонам, созданным в веб-версии Сбербанк Онлайн.
Банковские услуги на Android еще никогда не были такими безопасными и удобными.

  • Оцените высокий уровень безопасности ваших финансов, обеспеченный встроенной антивирусной защитой.
  • Контролируйте остатки и движение средств по всем вашим картам, вкладам и кредитам.
  • Узнавайте, на что вы тратите деньги, например, сколько вы потратили на кафе, одежду или отдых.
  • Переводите деньги на карту любому клиенту Сбербанка по номеру телефона из адресной книги.
  • Оплачивайте без комиссии услуги более 30 000 поставщиков, включая мобильную связь, интернет, ЖКХ и штрафы.
  • Сохраняйте и приумножайте, открывая вклады с повышенной ставкой, покупая валюту и драгоценные металлы, копите, создавая цели.
  • Быстро находите ближайшее к вам отделение, банкомат или платежный терминал Сбербанка.
  • Следите за вашим балансом «Спасибо», узнавайте, где можно потратить бонусы, просматривая партнеров «Спасибо» на карте.
  • Моментально блокируйте любую карту.

К сожалению, мы не можем гарантировать достаточный уровень безопасности платежей и переводов в адрес произвольных получателей для телефонов с “root-доступом”. Для клиентов, столкнувшихся с данной особенностью, мы оставляем возможность оплаты услуг и внешних переводов только по заранее созданным шаблонам.
Мы каждый день работаем над улучшением приложения. Если вы столкнулись с какой-либо проблемой или у вас появилась интересная идея, пишите нам на help@sberbank.ru
© 1997—2017 ПАО Сбербанк.
Россия, Москва, 117997, ул. Вавилова 19.
Генеральная лицензия на осуществление банковских операций от 11 августа 2015 года. Регистрационный номер — 1481.

Protection levels.

Locally stored data (Data-at-Rest, DAR).

Locally stored data groups include Address Book ‘n’ Contact Information, Account Information, Location ‘n’ Maps Information, Application Information, Financial Information.
The average DAR value is 3.50 points (7.00 points of system protection and 0.00 points of own protection). It equals to a typical value (3.5 points, where’s 7 points of system protection and 0 points of own protection).

Items with average value 3.50 points (7 points of system protection, 0 points of own protection) means data protection levels have following definitions. Frankly talking, extra data found that shouldn’t be accessed where system protection level means – root/jailbreak is required but not possible without wiping device data, and own protection level means – stored as is.

– Contact Short Profile (‘Address Book ‘n’ Contact Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Account Data (‘Account Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– GEO Data (‘Location ‘n’ Maps Information’ Group) – Any GEO info stored as plain text referred to the places or tracked activity. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– Application Configs (‘Application Information’ Group) – Different configuration files created by your app, perhaps app permissions. This data item related to mentioned group meant to be any info related to the app, app settings, including installed apps or installers,

– Address Data (‘Location ‘n’ Maps Information’ Group) – Home, work or another type of owner address stored by apps. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– Account Data (‘Financial Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info that describe payments capabilities

Keep in mind if you’re using some Android devices such Samsung, LG or another device with an unlocked or non-locked loader that allow rooting your device without user action, the system level equals 6 points instead of 7. It means your data can be stolen without involving your actions.

Transferred data (Data-in-Transit, DIT).

Transferred data groups include Device Information, Credentials Information, Application Information, Financial Information, Payment ‘n’ Transaction Information, Account Information, Address Book ‘n’ Contact Information, Location ‘n’ Maps Information.
The average DIT value is 5.22 points (5.33 points of system protection and 5.11 point of own protection). It is higher than a typical value (4 points, where’s 4 points of system protection and 4 points of own protection).

Items’ GROUP #1 with average value 6.00 points (6 points of system protection, 6 points of own protection) means data protection levels have following definitions. Frankly talking, protection and privacy issues are still possible but might involve interaction with an app code where system protection level means – MITM prevented or fake certificate importing prevented, but plaintext non-protected traffic is intercepted, and own protection level means – SSL pinning (can be patched).

– Device Details (‘Device Information’ Group) – Includes basic device details plus hardware key and fingerprints as well as IMEI. This data item related to mentioned group meant to be details about your device,

– Environment (‘Device Information’ Group) – Different info about the environment of the device including apps lists, device info, OS name and versions, updates, a list of users, network details, etc. This data item related to mentioned group meant to be details about your device,

– Credentials (IDs) (‘Credentials Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Passwords) (‘Credentials Information’ Group) – Well-known passwords or PINs you’re using to get access to your account (usually it is worse than tokens because it gives full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Activation IDs) (‘Credentials Information’ Group) – Two-factor activation code received in messages. This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Tokens) (‘Credentials Information’ Group) – Different tokens used to get access to your account, except for passwords but including app or 3rd party tokens, secret keys, etc. (usually give full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Application Configs (‘Application Information’ Group) – Different configuration files created by your app, perhaps app permissions. This data item related to mentioned group meant to be any info related to the app, app settings, including installed apps or installers,

– Account Details (‘Financial Information’ Group) – Full info about your account including account membership, expiration, profile, linked data and account, etc. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Card Full Information (‘Payment ‘n’ Transaction Information’ Group) – All details about card include short info, holder address, bank info and CVC, CVV, CVV2. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Card Short Information (‘Financial Information’ Group) – Some info about card holder, card number full or short) and expiration. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Tracked Data ‘n’ Favorites (‘Payment ‘n’ Transaction Information’ Group) – Any favorites data or tracked data marked as desirable by users and for users (Means, user is on FB messenger, Viber, bank client or favourite hotel, room type, flight route, airline). This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Account Data (‘Account Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Contact Short Profile (‘Address Book ‘n’ Contact Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Tracked Data ‘n’ Favorites (‘Address Book ‘n’ Contact Information’ Group) – Any favorites data or tracked data marked as desirable by users and for users (Means, user is on FB messenger, Viber, bank client or favourite hotel, room type, flight route, airline). This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Passport Data (Short) (‘Account Information’ Group) – Some info including name, number, expiration stored as partial info, e.g. first and last digits of document ID. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications

Items’ GROUP #2 with average value 0.00 points (0 points of system protection, 0 points of own protection) means data protection levels have following definitions. Frankly talking, data ‘as is’ and easily accessed (plaintext, no protection at all) where system protection level means – transferred (or supposed to be) ‘as is’ (plaintext) due to jailbreak/root or preinstalled non-trusted firmware, certificates, etc., and own protection level means – transferred as is, perhaps protection mode turns off or doesn’t exist or info reveal eventually.

– GEO Data (‘Location ‘n’ Maps Information’ Group) – Any GEO info stored as plain text referred to the places or tracked activity. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– Address Data (‘Location ‘n’ Maps Information’ Group) – Home, work or another type of owner address stored by apps. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.

Keep in mind if you’re using out-of-date Android < 7.0, the system level equals 4 points instead of 6. It means your data can be stolen with a crafted preinstalled certificate on the device or if someone makes you install a certificate. Also, if you’re using out-of-date Android < 5.0, the system level equals 2 points instead of 4. It means your data can be stolen without involving your actions.

Privacy Policy

Full application privacy policy is available here.

You may find privacy policy details proceeding the link above to compare developer’s vision on data protection with our results.