Accessibility of Online banking

This section explains how Handelsbanken Luxembourg's online banking service for private customers complies with accessibility legislation.

How accessible is the online banking service?

Handelsbanken is responsible for the logged-in online banking service. We want as many customers as possible to be able to use the service.

On this page, we describe how the online bank meets the requirements of the European Accessibility Act. We also explain any known accessibility issues and how you can report them to us if you encounter other problems, so that we can fix them.

How we have tested the online banking service

To ensure our digital services are accessible to everyone, we use both automated tests and manual checks.

Manual checks are carried out by experts using a checklist based on standards and guidelines relevant to the new law. We aim to follow all relevant requirements in the European standard EN 301 549 v3.2.1, as well as additional requirements at level A and AA found in WCAG 2.2 Opens in a new window. Another requirement is that we use clear and understandable language when describing our banking services.

Our experts check things like code quality, keyboard navigation, contrast, zoom, and text size. We also test with screen readers to understand how the services work for users with visual impairments.

Latest Assessment

The most recent assessment was carried out before 28 June 2025.

This statement was last updated on 27 June 2025.

Found an accessibility issue?

Share your feedback

We are always working to improve the accessibility of our digital services. If you notice any problems that are not mentioned on this page, or if you believe we are not meeting the legal requirements, please let us know so we can address the issue.

Send us your feedback about accessibility

Supervision

OSAPS is Luxembourg's surveillance authority for the accessibility of products and services under the Accessibility Act. 

Accessibility of products and services

Content that is not accessible

Technical Framework

Luxembourg's online banking service is currently built using an older framework that does not meet accessibility requirements. It will be replaced with a new framework that is fully accessible.

For parts of the service, the following accessibility issues may exist.

  • Alternative text may sometimes be missing on some images (Describe all non-text content – WCAG 1.1.1)
  • Code structure may need improvement for screen reader compatibility (Convey structure and relationships in code – WCAG 1.3.1)
  • Reading order may not always be logical (Present content in a meaningful order – WCAG 1.3.2)
  • Layout may break when zooming (Create responsive layout – WCAG 1.4.10)
  • Contrast in components and graphics may be insufficient (Ensure contrast in UI elements – WCAG 1.4.11)
  • Some functionality may not be keyboard accessible (Ensure keyboard accessibility – WCAG 2.1.1)
  • Time limits may be too short (Allow adjustment of time limits – WCAG 2.2.1)
  • Focus order may be inconsistent (Ensure logical focus order – WCAG 2.4.3)
  • Navigation may be limited to one method (Provide multiple navigation methods – WCAG 2.4.5)
  • Headings and labels may sometimes be unclear (Use descriptive headings and labels – WCAG 2.4.6)
  • Focus visibility may be unclear (Ensure visible focus – WCAG 2.4.7)
  • Clickable areas may be too small (Ensure sufficient target size – WCAG 2.5.8)
  • Language attributes may be incorrect (Indicate language changes in code – WCAG 3.1.2)
  • Component naming may be inconsistent (Use consistent naming – WCAG 3.2.4)
  • Markup for assistive technologies may be missing or incorrect (Ensure compatibility with assistive technologies – WCAG 4.1.2)
  • Status messages may not be clearly conveyed (Ensure assistive technologies can present status messages – WCAG 4.1.3)
  • Dark mode may not be supported (Respect user settings like dark mode – WCAG 11.7)

Accessibility issues in documents and language

PDF documents

PDF documents available in our services and on our public website may have some accessibility issues.

For example, the structure of the document – such as so-called tags – may be missing. These tags are necessary for screen readers to work properly.

This can also affect navigation and may result in some information not being read aloud by a screen reader. One example is missing alternative text for images.

Language level

The new law requires that information about banking services must be clear, concrete, and relevant. The language must not exceed level B2 according to the Common European Framework of Reference for Languages (CEFR). This corresponds to an upper-intermediate level of language understanding.

We are aware that some parts of our digital services may currently use language that goes beyond this level. We are continuously working to improve the language in our services to ensure they are accessible to as many people as possible.