# Security & Privacy Scorecard

## Avanza

**Version:** 5.127.0 (Build 1027)  
**Scan Date:** 2025-12-18  
**Package:** se.avanzabank.androidapplikation

## What This Means for You

App usage and crash data is shared with Firebase, including diagnostics that help the developer but also feed Google's infrastructure. Authentication flows through BankID and Trustly, third-party services that handle user identity and payment data. Some data is stored in ways that carry moderate risk if the device is compromised.

## Recommendation: Use With Caution

**Best For:** Swedish investors comfortable with standard crash reporting

## Key Findings

**Data Security** - 9 findings (3 high, 5 medium, 1 low)

**Network Security** - 1 finding (1 medium)

**Code Safety** - 0 findings

**Privacy** - 3 findings (1 high, 1 medium, 1 low)

## Privacy Concerns

### What Data is Collected

Avanza collects usage and behavioral data through Firebase analytics, capturing how users interact with the app and which features they use. Crash and diagnostic reports are sent to Firebase Crashlytics when the app encounters errors. Device identifiers and session activity are included in this collection.

### Third-Party Data Sharing

Data is shared with three external services:

- **Firebase (Google)** - receives crash reports, usage patterns, and app diagnostics
- **BankID** - receives user identity information during authentication flows
- **Trustly** - receives payment-related data when users use connected payment features

## Understanding the Scores

| Category | Score |
|----------|-------|
| Overall Security | 65/100 |
| Overall Privacy | 75/100 |
| Data Security | 58/100 |
| Network Security | 92/100 |
| Code Safety | 72/100 |
| Data Collection | 88/100 |
| Data Sharing | 78/100 |
| User Control | 70/100 |

## Positive Security Features

- Network communications are well-protected, as reflected in the high Network Security score of 92/100
- Authentication relies on established Swedish financial identity infrastructure rather than a custom-built login system

## Areas for Improvement

- Certain data stored locally on the device could be better protected against unauthorized access if the device is lost or stolen
- Options to control or limit data collected about in-app behavior are limited
- Data flows through multiple third-party services, each applying their own data handling practices outside the developer's direct control

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## About This Analysis

This scorecard was generated through automated static analysis of the app's code and configuration. Scores reflect the security and privacy practices observed in the analyzed version and may not capture server-side behaviors.

### App Details

| Field | Value |
|-------|-------|
| App Name | Avanza |
| Package ID | se.avanzabank.androidapplikation |
| Version | 5.127.0 (Build 1027) |
| Scan Date | 2025-12-18 |
| Platform | Android |