Digital banking & API penetration testing
Test customer, staff and service permissions across the banking application boundary.
Account and customer object-level authorisation · Session lifecycle, recovery and staff role transitions
BANK PENETRATION TESTING
Bank penetration testing.
Find the paths to payment abuse.
Test banking applications, APIs, payment permissions and privileged access. Get reproducible findings, clear business impact and agreed remediation checks.
Download sample bank pentest report
Build your RFP Four steps · Email at the end
Controlled executionTechnical evidenceRemediation validation
BANKING RESILIENCE, TESTED IN DETAILBy Atlant Security
YOUR ENVIRONMENT. YOUR REQUIREMENTS.
Build your bank pentest RFP.
Define what needs testing, how large it is, and what access is available.
Receive a proposal based on the actual scope.
REQUEST RECEIVED
Your RFP is with our team.
Atlant Security has received your requirements. We’ll review the scope and contact you at .
If you attached an NDA, it is included for review. Submission does not accept its terms or authorise testing.
Review the sample report ↗The guided builder needs JavaScript for its security check. Send your scope and requested outcomes to sales@bankpentest.com, with your NDA/RFP if available.
01 / THE ENGAGEMENTRetail banks, commercial banks and banking technology teams
Banking app pentest.
From the device
to the decision.
Can a compromised banking app session cross customer, role or payment-authorisation boundaries?
Our banking app penetration testing connects iOS and Android security with web banking and backend API controls. Scope account recovery, device enrolment, customer data access, beneficiary changes and payment approval as complete journeys.
Payment integrity needs more than a successful API call. We distinguish a changed draft, an accepted approval and a denied release, and record the controls that remain effective.
Explore banking app pentestingNeed a wider assessment? Our bank penetration testing service also covers internal networks, privileged identities and the systems behind customer channels.
02 / TESTING SCOPE
Follow the trust boundaries.
Bank network & privileged identity testing
Connect external entry points to the internal trust paths that matter.
Perimeter services and approved internal paths · CI/CD secrets and workload credential lifetimes
Payment workflow & authorisation testing
Verify who can draft, change, approve and release a payment.
Beneficiary and transaction field authorisation · Maker-checker separation across human and service roles
A controlled process.
Evidence at every step.
01
Agree the boundary
Define systems, identities, objectives, permissions and operating constraints.
02
Model the path
Connect relevant attack scenarios to the services and data you need to protect.
03
Test under control
Use seeded payments and synthetic customers with settlement disabled. Agree independent stop authority, transaction reconciliation, named system owners and permission for third-party services. Separate demonstrated draft changes from unperformed fund transfers.
04
Document the result
Record actions, responses, effective controls and the limits of access gained.
05
Verify the repair
Prioritise findings, assign ownership and retest agreed acceptance criteria.
THE REQUIREMENTS IN CONTEXTRead the framework guidance
Useful evidence.
Clear limits.
A test should inform your security decisions.
DORA applies to covered financial entities, while statutory TLPT is a specific advanced-testing process for identified entities. A bank penetration test can support the broader testing programme without being a DORA TLPT. PCI DSS may be relevant to cardholder-data scope; GDPR and supervisory expectations require separate consideration.
INSIDE THE SAMPLE REPORT
Requests. Responses.
Results you can inspect.
The fictional Megabank AG case contains 68 pages, three connected scenarios, twelve findings and individual treatment plans.
Preview the sample report01
An observed attack path
Scoped scans, WAF responses, shell context and downstream API results.
02
A bounded conclusion
Separate unaided access, approved assistance, blocked routes and unperformed actions.
03
A useful next step
Owners, immediate safeguards, durable fixes and completed or pending retests.
What should your bank pentest prove?
A bank penetration test should establish whether a user or compromised component can cross a customer, role or payment boundary within an authorised scope. We connect technical testing to the banking operations you need to protect, using synthetic customers and controlled payment scenarios. Ordinary penetration testing and a formal DORA TLPT engagement have different purposes and requirements.
- Banking applications: customer access, sessions, recovery and privileged functions.
- Payments and APIs: transaction authority, object access and approval boundaries.
- Reporting: reproducible evidence, tested limits, repair owners and retest criteria.
See the bank pentest engagement · Build your bank testing scope
04 / INSIGHTS & PERSPECTIVES
Clarity before you begin.
Bank pentest preparation18 min read
Bank Pentest Test Data: Prepare the Accounts, States and Evidence That Matter
Prepare bank pentest roles, synthetic customers, payment states and coverage evidence. Reduce wasted testing time and make security boundaries verifiable.
Read the perspective
Banking application security18 min read
Banking App Pentest: A Session and Transaction Test Matrix
Plan banking application checks for session revocation, customer separation, sensitive actions and transaction state. Practical test cases and evidence criteria.
Read the perspective
Payment control testing18 min read
Maker-Checker Security Testing: Prove Approval Survives State Changes
Test banking maker-checker controls across instruction changes, delegation, concurrency and execution. Practical cases, evidence and remediation acceptance.
Read the perspectiveA PRACTICAL STARTING POINT
Prepare for the scoping call.
Bring systems, permissions, operating constraints and evidence needs together.
LET’S START A CONVERSATION
Define the scope.
Take the next step.
Your systems, operating constraints and security objectives. A clear starting point for the test.
Discuss your pentest