septalcredit.com scores 1 out of 100, rated High Risk. 1 regulator warnings, 5 antivirus detections. Last scanned Aug 3, 2026. Source: https://septalcredit.com

Onlinefinance trading Snyfer Research Team
Published Updated Scan ID adc0e5ecc0894d0d8d9ca8e35bf4226f

Septalcredit.com

Is Septalcredit.com (septalcredit.com) a scam? What our scan found

High Risk01/ 100

0-2425-4445-6970-8485-100

Think you may have lost money to this site?

Tell us what happened and get free advice on your case. It is confidential.

Get help

The site

What this site
actually is.

Septal Credit Bank is a multinational digital banking and financial services corporation offering retail banking, money transfers, currency exchange, credit cards, loans, and investment services across multiple countries.

Page capture

Captured rendering of septalcredit.com

Identity

IP
163.61.188.5
ASN
AS153568
Country
United States
Domain age
11 months
Registrar
OwnRegistrar, Inc.
Server
cloudflare
Hosting
NEW DHAKA HARDWARE
Tech detected
3

The verdict

The score is not
an opinion.

Every domain starts at 100. 4 scoring chains fired against septalcredit.com, and every one of them is listed below with the tier it reached. It is a measurement, not a ruling on whether the business is legitimate.

Trust Score: the full methodology and every weight

Triggered findings

4
  • Antivirus Tier 3
  • Regulatory Tier 1
  • Risky Category Tier 2
  • Cookie Security Tier 1

The record

How it got there,
and where it sits.

The score across every scan we hold, the eight signal families behind the current one, and the dates the engine recorded on the way.
Signal profile data
  • Maturity: 48 out of 100. 351 days old
  • AV clarity: 58 out of 100. 5 of 92 engines flag it
  • Regulators: 65 out of 100. 1 regulator warning
  • Network: 92 out of 100. No malicious neighbours
  • Blacklist: 100 out of 100. Not blacklisted
  • Trust zone: 74 out of 100. .com top-level domain
  • Infra: 60 out of 100. Valid SSL · 3 tech detected
  • Hosting: 75 out of 100. Hosted in US

Domain history

Recorded scans: Jul 25, 2026 - Aug 3, 2026

Score history data
Recorded scan scores
Date (UTC) Score Verdict
Jul 25, 20263/100High Risk
Aug 3, 20261/100High Risk
  1. SEP 152026SSL certificate expiresSSL CheckSSL certificate will expire.
  2. AUG 162026Domain expiresWHOISDomain septalcredit.com is set to expire.
  3. AUG 32026VirusTotal detections increasedVirusTotal+1 engine, 1 to 2 engines flagged on VirusTotal.
  4. AUG 32026Trust score fellsnyfer3 to 1 out of 100.
  5. JUL 252026Flagged by VirusTotalVirusTotalFlagged by 1 engine as malicious on VirusTotal.
  6. JUL 252026First scansnyferTrust score 3 out of 100.
  7. JUL 242026Warned by FCARegulator FCA (UK) published an investor warning for septalcredit.com.
  8. JUN 172026SSL certificate issuedSSL CheckSSL certificate issued by Let's Encrypt.
  9. JUN 22026Domain updatedWHOISseptalcredit.com WHOIS record was updated.
  10. AUG 162025Domain createdWHOISDomain septalcredit.com was registered.

Signals

We are not the first
to say it.

6 independent sources have flagged this domain: security vendors, public authorities that have published warnings, and blocklist feeds. Nothing that found it clean is listed.

Regulators

Antivirus engines

  • BitDefenderphishing
  • ESETsuspicious
  • Fortinetspam
  • G-Dataphishing

Security vendors

  • alphaMountain.aisuspicious
Check the VirusTotal analysis yourself

Where it lives

Where it actually
answers from.

Hosting, registrar, certificate and nameservers, as our crawler measured them rather than as the site describes itself.

Registration

Registrar
OwnRegistrar, Inc.
Created
Aug 16, 2025
Expires
Aug 16, 2026
Age
11m
Privacy
disabled
dns1.lytehosting.comdns2.lytehosting.comdns3.lytehosting.comdns4.lytehosting.com

Hosting

IP
163.61.188.5
ASN
AS153568
Provider
NEW DHAKA HARDWARE
Country
United States
City
New York City
Server
cloudflare
Proxied
direct

SSL certificate

Issuer
Let's Encrypt
Protocol
TLSv1.3
Valid
yes
Expires
Sep 15, 2026

Technologies

  • Cloudflare· cdn
  • Tailwind CSS· css-framework
  • Bootstrap· css-framework

Server location

40.714, -74.006© OpenStreetMap
Location
New York City, United States
IP
163.61.188.5
Hosting
NEW DHAKA HARDWARE · AS153568

Security headers

  • content_security_policyNot set
  • strict_transport_securityNot set
  • x_frame_optionsNot set
  • x_content_type_optionsNot set
  • referrer_policyNot set
  • permissions_policyNot set
  • x_xss_protectionNot set
  • cross_origin_opener_policyNot set

Uptime history

September 2026
  • 2026-09-011 unreachable
  • 2026-09-022 unreachable
  • 2026-09-033 unreachable
  • 2026-09-044 unreachable
  • 2026-09-055 unreachable
  • 2026-09-066 unreachable
  • 2026-09-077 unreachable
  • 2026-09-088 unreachable
  • 2026-09-099 unreachable
  • 2026-09-1010 unreachable
  • 2026-09-1111 unreachable
  • 2026-09-1212 unreachable
  • 2026-09-1313 unknown
  • 2026-09-1414 unknown
  • 2026-09-1515 unknown
  • 2026-09-1616 unknown
  • 2026-09-1717 unknown
  • 2026-09-1818 unknown
  • 2026-09-1919 unknown
  • 2026-09-2020 unknown
  • 2026-09-2121 unknown
  • 2026-09-2222 unknown
  • 2026-09-2323 unknown
  • 2026-09-2424 unknown
  • 2026-09-2525 unknown
  • 2026-09-2626 unknown
  • 2026-09-2727 unknown
  • 2026-09-2828 unknown
  • 2026-09-2929 unknown
  • 2026-09-3030 unknown
online (0)offline (12)
Daily availability data
Recorded daily availability
Date (UTC) Status HTTP
2026-07-25online200
2026-07-26online200
2026-07-27online200
2026-07-28online200
2026-07-29online200
2026-07-30online200
2026-07-31online200
2026-08-01online200
2026-08-02online200
2026-08-03online200
2026-08-04online200
2026-08-05online200
2026-08-06online200
2026-08-07online200
2026-08-08online200
2026-08-09online200
2026-08-10online200
2026-08-11online200
2026-08-12online200
2026-08-13online200
2026-08-14online200
2026-08-15online200
2026-08-16online200
2026-08-17unreachable-
2026-08-18unreachable-
2026-08-19unreachable-
2026-08-20unreachable-
2026-08-21unreachable-
2026-08-22unreachable-
2026-08-23unreachable-
2026-08-24unreachable-
2026-08-25unreachable-
2026-08-26unreachable-
2026-08-28unreachable-
2026-08-29unreachable-
2026-08-30unreachable-
2026-08-31unreachable-
2026-09-01unreachable-
2026-09-02unreachable-
2026-09-03unreachable-
2026-09-04unreachable-
2026-09-05unreachable-
2026-09-06unreachable-
2026-09-07unreachable-
2026-09-08unreachable-
2026-09-09unreachable-
2026-09-10unreachable-
2026-09-11unreachable-
2026-09-12unreachable-

Exit scam indicator

Daily availability: Jul 25, 2026 - Sep 12, 2026

Consecutive days offline across every day we hold, peaking at 26 days

Daily offline streak data
Daily consecutive offline days
Date (UTC) Status Streak
2026-07-25online0 days
2026-07-26online0 days
2026-07-27online0 days
2026-07-28online0 days
2026-07-29online0 days
2026-07-30online0 days
2026-07-31online0 days
2026-08-01online0 days
2026-08-02online0 days
2026-08-03online0 days
2026-08-04online0 days
2026-08-05online0 days
2026-08-06online0 days
2026-08-07online0 days
2026-08-08online0 days
2026-08-09online0 days
2026-08-10online0 days
2026-08-11online0 days
2026-08-12online0 days
2026-08-13online0 days
2026-08-14online0 days
2026-08-15online0 days
2026-08-16online0 days
2026-08-17unreachable1 day
2026-08-18unreachable2 days
2026-08-19unreachable3 days
2026-08-20unreachable4 days
2026-08-21unreachable5 days
2026-08-22unreachable6 days
2026-08-23unreachable7 days
2026-08-24unreachable8 days
2026-08-25unreachable9 days
2026-08-26unreachable10 days
2026-08-28unreachable11 days
2026-08-29unreachable12 days
2026-08-30unreachable13 days
2026-08-31unreachable14 days
2026-09-01unreachable15 days
2026-09-02unreachable16 days
2026-09-03unreachable17 days
2026-09-04unreachable18 days
2026-09-05unreachable19 days
2026-09-06unreachable20 days
2026-09-07unreachable21 days
2026-09-08unreachable22 days
2026-09-09unreachable23 days
2026-09-10unreachable24 days
2026-09-11unreachable25 days
2026-09-12unreachable26 days
max consecutive offline26 days
current streak26 days

Under the page

What the page loads
behind your back.

Everything it requested, everything it stored on the visitor's machine, and every host it talked to while doing it.

Page timing

4.33stotal page load
DNS Lookup0ms
TCP Connect201ms
TLS Handshake104ms
TTFB2.84s
Content Download2ms
DOM Loaded3.69s
Page Load4.33s

Resources

4.2 MB110 requests
images52 · 47%
scripts27 · 25%
stylesheets16 · 15%
fonts4 · 4%
other4 · 4%
xhr3 · 3%
fetch2 · 2%
documents2 · 2%

Cookies

2
Secure
1
HttpOnly
2
Session
name domain flags
XSRF-TOKENseptalcredit.comS
consumerc_sessionseptalcredit.comSH

Network stats

110
total requests
4.2 MB
total bytes
5
failed requests
15
unique domains
37%
third party
100%
https

HTTP transactions

Raw scan data

{
  "domain": "septalcredit.com",
  "scanId": "adc0e5ecc0894d0d8d9ca8e35bf4226f",
  "status": "completed",
  "indexable": false,
  "publicNotice": null,
  "completedAt": "2026-08-03T02:20:23.053Z",
  "ageDays": 40,
  "fresh": false,
  "verdict": "dangerous",
  "trustScore": 1,
  "badges": [
    {
      "name": "antivirus_tier3",
      "chain": "antivirus",
      "tier": 3,
      "maxTier": 4,
      "score": -80,
      "description": "Detected by 5-9 engines"
    },
    {
      "name": "regulatory_tier1",
      "chain": "regulatory",
      "tier": 1,
      "maxTier": 4,
      "score": -30,
      "description": "Flagged by 1 financial regulator"
    },
    {
      "name": "risky_category_tier2",
      "chain": "risky_category",
      "tier": 2,
      "maxTier": 4,
      "score": -4,
      "description": "High-risk category site < 1 year"
    },
    {
      "name": "cookie_security_tier1",
      "chain": "cookie_security",
      "tier": 1,
      "maxTier": 3,
      "score": -1,
      "description": "50-80% cookies secure"
    }
  ],
  "reachable": true,
  "unreachableReason": null,
  "category": "finance_trading",
  "categoryReasoning": "Septal Credit Bank is a multinational digital banking and financial services corporation offering retail banking, money transfers, currency exchange, credit cards, loans, and investment services across multiple countries.",
  "regulatorFlagged": true,
  "regulators": [
    {
      "name": "FCA",
      "country": "UK",
      "url": "https://www.fca.org.uk/news/warnings/septalcreditcom",
      "warningDate": "2026-07-24T00:00:00.000Z"
    }
  ],
  "contacts": {
    "emails": [
      "[email protected]"
    ],
    "phones": [],
    "addresses": []
  },
  "technologies": [
    {
      "name": "Cloudflare",
      "category": "cdn"
    },
    {
      "name": "Tailwind CSS",
      "category": "css-framework"
    },
    {
      "name": "Bootstrap",
      "category": "css-framework"
    }
  ],
  "antivirus": {
    "detections": [
      {
        "engine": "alphaMountain.ai",
        "result": "suspicious",
        "engineType": "security_vendor"
      },
      {
        "engine": "BitDefender",
        "result": "phishing",
        "engineType": "antivirus"
      },
      {
        "engine": "ESET",
        "result": "suspicious",
        "engineType": "antivirus"
      },
      {
        "engine": "Fortinet",
        "result": "spam",
        "engineType": "antivirus"
      },
      {
        "engine": "G-Data",
        "result": "phishing",
        "engineType": "antivirus"
      }
    ],
    "enginesTotal": 92,
    "permalink": "https://www.virustotal.com/gui/url/aHR0cHM6Ly9zZXB0YWxjcmVkaXQuY29tLw",
    "scannedAt": "2026-08-03T02:19:58.357Z"
  },
  "blacklists": [
    {
      "provider": "google_safe_browsing",
      "flagged": false,
      "threats": []
    }
  ],
  "registration": {
    "registrar": "OwnRegistrar, Inc.",
    "registrarIanaId": "1250",
    "createdAt": "2025-08-16T10:23:17.000Z",
    "updatedAt": "2026-06-02T16:34:50.000Z",
    "expiresAt": "2026-08-16T10:23:17.000Z",
    "ageDays": 351,
    "ageText": "11m",
    "privacyProtected": false,
    "nameservers": [
      "dns1.lytehosting.com",
      "dns2.lytehosting.com",
      "dns3.lytehosting.com",
      "dns4.lytehosting.com"
    ]
  },
  "certificate": {
    "issuer": "Let's Encrypt",
    "validFrom": "2026-06-17T18:53:41.000Z",
    "validUntil": "2026-09-15T18:53:40.000Z",
    "valid": true,
    "protocol": "TLSv1.3"
  },
  "hosting": {
    "ip": "163.61.188.5",
    "countryCode": "US",
    "countryName": "United States",
    "city": "New York City",
    "provider": "NEW DHAKA HARDWARE",
    "asn": 153568,
    "serverSoftware": "cloudflare",
    "mapImageUrl": null,
    "latitude": 40.7143,
    "longitude": -74.006,
    "behindCloudflare": false
  },
  "timing": {
    "dnsMs": 0,
    "connectMs": 201,
    "tlsMs": 104,
    "ttfbMs": 2837,
    "downloadMs": 2,
    "domReadyMs": 3695,
    "loadCompleteMs": 4335
  },
  "resources": [
    {
      "kind": "images",
      "count": 52,
      "bytes": 3119573
    },
    {
      "kind": "scripts",
      "count": 27,
      "bytes": 648788
    },
    {
      "kind": "stylesheets",
      "count": 16,
      "bytes": 93066
    },
    {
      "kind": "fonts",
      "count": 4,
      "bytes": 271893
    },
    {
      "kind": "other",
      "count": 4,
      "bytes": 116127
    },
    {
      "kind": "xhr",
      "count": 3,
      "bytes": 19879
    },
    {
      "kind": "fetch",
      "count": 2,
      "bytes": 101676
    },
    {
      "kind": "documents",
      "count": 2,
      "bytes": 9002
    }
  ],
  "networkStats": {
    "totalRequests": 110,
    "totalBytes": 4380004,
    "failedRequests": 5,
    "uniqueDomains": 15,
    "thirdPartyRatio": 0.3727,
    "httpsPercentage": 100
  },
  "cookies": [
    {
      "name": "XSRF-TOKEN",
      "domain": "septalcredit.com",
      "secure": true,
      "httpOnly": false,
      "expiresAt": null
    },
    {
      "name": "consumerc_session",
      "domain": "septalcredit.com",
      "secure": true,
      "httpOnly": true,
      "expiresAt": null
    }
  ],
  "identity": {
    "finalUrl": "https://septalcredit.com/",
    "brandName": "Septalcredit.com",
    "faviconUrl": "/api/scan/favicon/adc0e5ecc0894d0d8d9ca8e35bf4226f"
  },
  "telemetry": {
    "statusCode": 200,
    "durationMs": 25318,
    "scraper": "patchright",
    "attempts": 1,
    "source": "single",
    "contentType": "text/html; charset=UTF-8"
  },
  "securityHeaders": [
    {
      "key": "content_security_policy",
      "present": false,
      "value": null
    },
    {
      "key": "strict_transport_security",
      "present": false,
      "value": null
    },
    {
      "key": "x_frame_options",
      "present": false,
      "value": null
    },
    {
      "key": "x_content_type_options",
      "present": false,
      "value": null
    },
    {
      "key": "referrer_policy",
      "present": false,
      "value": null
    },
    {
      "key": "permissions_policy",
      "present": false,
      "value": null
    },
    {
      "key": "x_xss_protection",
      "present": false,
      "value": null
    },
    {
      "key": "cross_origin_opener_policy",
      "present": false,
      "value": null
    }
  ],
  "redirects": [],
  "transactions": [
    {
      "url": "https://septalcredit.com/",
      "method": "GET",
      "resourceType": "document",
      "statusCode": 200,
      "bytes": 9002,
      "thirdParty": false
    },
    {
      "url": "https://cdn.jsdelivr.net/npm/bootstrap%404.0.0/dist/css/bootstrap.min.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": null,
      "bytes": 0,
      "thirdParty": true
    },
    {
      "url": "https://code.jquery.com/jquery-3.2.1.slim.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 23856,
      "thirdParty": true
    },
    {
      "url": "https://cdn.jsdelivr.net/npm/popper.js%401.12.9/dist/umd/popper.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 400,
      "bytes": 62,
      "thirdParty": true
    },
    {
      "url": "https://cdn.jsdelivr.net/npm/bootstrap%404.0.0/dist/js/bootstrap.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 400,
      "bytes": 62,
      "thirdParty": true
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/bootstrap.min.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 21197,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/flaticon.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 1149,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/remixicon.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 12487,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/owl.carousel.min.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 920,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/odometer.min.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 384,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/fancybox.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 2931,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/aos.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 1539,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/style.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 13182,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/responsive.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 3160,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/css/dark-theme.css",
      "method": "GET",
      "resourceType": "stylesheet",
      "statusCode": 200,
      "bytes": 1686,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/storage/app/public/photos/iIG9fdhZPlpKIguyiB9tVc36Tug5nVhPb0bZTugN.png",
      "method": "GET",
      "resourceType": "image",
      "statusCode": 200,
      "bytes": 101545,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/storage/app/public/photos/cJo6rCBTveroDe0JqjwpifLf5wDmncMUzEVnoi58.png",
      "method": "GET",
      "resourceType": "image",
      "statusCode": 200,
      "bytes": 277635,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/img/hero/hero-shape-4.png",
      "method": "GET",
      "resourceType": "image",
      "statusCode": 200,
      "bytes": 2828,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/img/hero/hero-shape-5.png",
      "method": "GET",
      "resourceType": "image",
      "statusCode": 200,
      "bytes": 1204,
      "thirdParty": false
    },
    {
      "url": "https://cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.html",
      "method": "GET",
      "resourceType": "script",
      "statusCode": null,
      "bytes": 0,
      "thirdParty": true
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/js/jquery.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 30268,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/js/bootstrap.bundle.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 22162,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/js/form-validator.min.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 1913,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/js/contact-form-script.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 425,
      "thirdParty": false
    },
    {
      "url": "https://septalcredit.com/temp/custom/assets/js/aos.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
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