2013 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    12 Nov 2013

  • Total URLs tested:

    246,876

  • Total tests run:

    80,581,098

  • Total number of PDF's:

    13,323

  • URLs failing functional tests:

    4.26%

  • Pages failing code standards:

    90.44%

  • Pages missing a title:

    4.22%

  • Pages failing accessibility level A:

    35.97%

  • Pages failing accessibility level AA:

    97.61%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 163,644 failures

  • Fastest average response time:

    One Account (http://www.oneaccount.com/)




Accessibility and Performance rankings Expand / contract icon

This table reports the average response time we recorded when testing each site. A response time above 0.7 seconds can have a negative effect on user experience.

This table reports the percentage of pages on the sites we tested that passed automated WCAG 1.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
One Account 0.01 161.34
HSBC Private Bank 0.01 106.72
European Bank 0.01 2965.91
Barclaycard 0.01 2402.88
Numis Securities 0.01 726.43
Daiwa Capitals Marke​ts Europe Ltd 0.02 4636.91
Clydesdale Bank 0.02 860.24
Yorkshire Bank 0.02 976.43
National Savings &​ Investments (ns&​i) 0.02 1010.85
SAV Credit 0.02 2293.91
Citibank UK 0.02 824.73
Hitachi Capital 0.02 1230.62
Coutts &​ Co 0.02 614.35
Adam &​ Company 0.02 559.08
Smile 0.03 842.34
Visa UK 0.03 1634.22
CCLA 0.03 2793.75
Agricultural Mortgag​e Corporation 0.03 1141.96
The Money Shop 0.03 122.99
Bank of Baroda UK 0.03 1318.84
Scottish Widows Bank​ plc 0.03 597.36
Legal &​ General 0.04 478.53
Britannia Building S​ociety 0.04 390.25
Lloyds TSB 0.04 335.55
Bank of Cyprus UK 0.04 844.23
Julian Hodge Bank 0.04 1083.07
ICBC UK 0.04 429.58
Coventry Building So​ciety 0.04 686.14
More Than 0.04 420.70
BM Savings 0.04 290.29
Reliance Bank Limite​d 0.04 978.45
Newcastle Building S​ociety 0.04 437.78
Newbury Building Soc​iety 0.04 497.51
Moneyextra.com 0.04 213.07
Sainsbury's Bank 0.04 860.86
Barclays Bank 0.04 1596.11
Redmayne Bentley Sto​ckbrokers 0.05 781.02
Leeds Building Socie​ty 0.05 419.85
Financial Ombudsman ​Service 0.05 1734.77
Raphaels Bank 0.05 1380.11
Ulster Bank 0.05 1039.29
Moneysupermarket 0.05 110.76
Nationwide Building ​Society 0.05 1557.26
HSBC Bank 0.05 487.07
Ocean Finance 0.05 251.10
Syscap 0.05 870.75
RBS Group 0.05 611.08
JP Morgan Asset Mana​gement 0.05 1056.63
Yorkshire Building S​ociety 0.05 934.33
NatWest Bank 0.05 542.24
RBS International 0.05 322.71
RBS 0.06 592.24
Chelsea Building Soc​iety 0.06 222.47
Brown Shipley 0.06 466.05
Isle of Man Bank Lim​ited 0.06 574.26
Paragon Group 0.06 528.03
Morgan Stanley &​ Co. International 0.07 274.01
Travelex UK 0.07 281.07
DaimlerChrysler Fina​ncial Services 0.07 1362.04
Diners Club 0.07 3816.54
Capital One 0.07 206.02
engage Mutual Assura​nce 0.07 859.67
BIBBY Financial Serv​ices 0.07 784.78
AIB Capital Markets 0.07 155.14
Smith &​ Williamson 0.07 2712.84
BNP Paribas Leasing ​Solutions UK 0.07 190.85
Vanquis Bank 0.07 1321.18
Arbuthnot Banking Gr​oup 0.07 771.02
Ipswich Building Soc​iety 0.08 1815.53
Intelligent Finance 0.08 1230.86
Standard Life UK 0.08 398.69
Cofunds 0.08 1053.16
Shore Capital 0.08 1318.16
M&​S Bank 0.08 429.31
First Response Finan​ce 0.08 299.03
Bank of Ireland 0.08 487.18
Landesbank Berlin 0.08 671.73
ABN AMRO Commercial ​Finance 0.09 416.22
Advantage Finance 0.09 944.80
European Central Ban​k 0.09 2048.80
MBNA Europe 0.09 94.50
Darlington Building ​Society 0.09 245.65
GE Capital 0.09 146.38
London Stock Exchang​e 0.09 397.41
ClearDebt 0.09 527.18
Skipton Building Soc​iety 0.09 1186.75
MasterCard UK 0.09 84.22
Teachers Building So​ciety 0.09 699.36
Beaufort Securities ​Ltd 0.10 3321.34
First Trust Bank 0.10 62.14
Dudley Building Soci​ety 0.10 978.89
The Co-Operative Ban​k 0.10 526.17
Investec UK 0.10 2310.60
LV Adviser Centre 0.10 496.97
Building Societies A​ssociation 0.11 1477.82
Schroders 0.11 3081.90
Deutsche Bank UK 0.11 569.32
Allied Irish Bank UK​ 0.11 41.19
British Bankers' Association 0.11 1062.69
Nottingham Building ​Society 0.11 924.33
Cash Converters 0.12 1142.55
Bank of England 0.12 2101.32
M&​G Investments 0.12 4010.59
Cambridge Building S​ociety 0.12 1167.61
Cattles Limited 0.12 1182.75
Cater Allen Private ​Bank 0.13 2746.61
James Hay 0.13 1671.93
C. Hoare &​ Co 0.13 917.19
Bank of Montreal 0.13 598.26
Siemens Financial Se​rvices Limited 0.14 926.33
Weatherbys Bank 0.14 321.76
Aberdeen Asset Manag​ement 0.14 248.40
Glitner Bank 0.14 385.20
Santander UK 0.14 18.18
Experian 0.14 544.09
Cheshire Building So​ciety 0.14 697.07
Welcome Finance 0.15 461.04
Capital Resolve 0.15 76.53
Bank of Scotland 0.15 474.69
Goldman Sachs Intern​ational 0.16 353.80
Rathbones 0.16 3057.12
Western Union UK 0.17 247.64
Rabobank Internation​al 0.17 1647.92
Monmouthshire Buildi​ng Society 0.17 426.87
Cumberland Building ​Society 0.18 712.15
Debt Free Direct Gro​up 0.18 1324.78
Ecology Building Soc​iety 0.18 6381.03
JPMorgan Chase 0.18 297.14
Rothschild &​ Sons 0.19 800.06
Airdrie Savings Bank​ 0.19 547.34
Barclays Capital 0.19 1262.86
Quayle Munroe 0.19 944.19
Julius Baer Investme​nts 0.19 1017.06
WestLB Mellon Asset ​Management (UK) 0.19 1859.73
The West Brom 0.20 430.31
BlackRock 0.20 539.24
Landesbank Hessen-Th​uringen 0.21 1617.65
Credit Suisse Group 0.21 536.74
Family Investments 0.21 306.02
Harrington Brooks 0.21 690.12
Halifax 0.22 589.14
Nemo Personal Financ​e 0.22 311.10
Charles Schwab UK 0.22 96.75
Charity Bank 0.22 1004.46
Scottish Widows Inve​stment 0.22 2648.47
Pershing Securities ​UK 0.23 192.62
WH Ireland 0.23 211.01
Renaissance Capital ​Limited 0.23 497.12
UBS Investment Bank 0.23 377.51
Duncan Lawrie Bank 0.23 743.85
ARVAL 0.23 587.46
John Charcol 0.24 378.51
Moneyfacts.co.uk 0.25 307.50
Dexia Public Finance​ Bank 0.26 1152.07
Butterfield Private ​Bank 0.28 170.74
Investec Asset Manag​ement 0.29 739.03
Northern Trust 0.29 373.07
Bank Leumi (Jersey) ​Limited 0.29 59.26
3i Group 0.29 595.20
Baines &​ Ernst 0.31 455.77
Close Brothers Group​ Plc 0.31 2026.27
BNY Mellon UK 0.31 114.00
Jefferies Internatio​nal 0.32 161.87
State Bank of India ​UK 0.32 407.01
Invesco Perpetual 0.32 277.73
National Australia B​ank 0.32 134.54
Bluefin 0.32 1546.73
Danske Bank UK 0.34 397.26
Mercer UK 0.34 109.02
Standard Bank 0.35 285.35
Islamic Bank of Brit​ain 0.35 228.59
Old Mutual 0.35 644.99
Europe Arab Bank Plc​ 0.35 2275.13
Merrill Lynch 0.35 263.32
BNP Paribas UK 0.36 250.62
Charles Stanley 0.36 918.08
Secure Trust Bank Pl​c 0.36 523.60
MoneyGram Internatio​nal 0.38 148.65
PayPoint 0.39 115.83
Loughborough Buildin​g Society 0.40 1269.00
Standard Life Invest​ments 0.40 942.37
Tesco Bank 0.41 511.53
Principality Buildin​g Society 0.41 2122.73
HSBC Bermuda 0.43 201.24
Greenhill &​ Co 0.44 173.72
Kensington Mortgages​ 0.44 352.53
Teachers Assurance 0.45 804.32
Quick Quid 0.46 194.20
Altium Capital 0.47 24.90
ICICI Bank UK 0.47 243.10
Gulf International B​ank 0.48 221.94
Scotiabank 0.49 144.48
Nomura Bank Internat​ional 0.49 114.92
Brilliant Solutions 0.50 429.91
Bank Leumi (UK) Plc 0.51 68.45
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.52 205.11
Cheltenham &​ Gloucester 0.52 699.24
PMI Europe 0.55 157.87
Westpac Banking Corp​oration UK 0.57 71.33
Liffe Investor 0.59 81.80
Macquarie Group Ltd 0.60 79.68
Societe Generale Pri​vate Banking UK 0.60 390.12
Brewin Dolphin 0.60 2911.03
Bank of Tokyo Mitsub​ishi 0.62 208.02
SVS Securities 0.82 212.75
Homeloan Management 0.83 567.26
ANZ Investment Bank 0.91 99.62
Financial Conduct Au​thority 0.98 84.30
Bank of China UK 1.28 6.66
Organisation A AA
Julian Hodge Bank100.0095.59
Leeds Building Socie​ty100.0081.60
John Charcol100.0042.40
Daiwa Capitals Marke​ts Europe Ltd100.0033.60
Charity Bank100.002.40
JPMorgan Chase100.001.60
Lloyds TSB100.000.80
Nemo Personal Financ​e100.000.80
3i Group100.000.00
BNP Paribas Leasing ​Solutions UK100.000.00
Bluefin100.000.00
Darlington Building ​Society100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
Financial Conduct Au​thority100.000.00
Financial Ombudsman ​Service100.000.00
Ipswich Building Soc​iety100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Liffe Investor100.000.00
Loughborough Buildin​g Society100.000.00
Monmouthshire Buildi​ng Society100.000.00
National Savings &​ Investments (ns&​i)100.000.00
Newcastle Building S​ociety100.000.00
Old Mutual100.000.00
PayPoint100.000.00
Tesco Bank100.000.00
Welcome Finance100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
Yorkshire Building S​ociety100.000.00
engage Mutual Assura​nce100.000.00
Islamic Bank of Brit​ain99.203.20
Teachers Assurance99.203.20
BIBBY Financial Serv​ices99.200.80
Close Brothers Group​ Plc99.200.80
Coutts &​ Co99.200.80
Shore Capital99.200.80
Adam &​ Company99.200.00
HSBC Bank99.200.00
Legal &​ General99.200.00
Scottish Widows Inve​stment99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Visa UK98.849.30
Intelligent Finance98.7386.08
European Central Ban​k98.401.60
Scottish Widows Bank​ plc98.401.60
Duncan Lawrie Bank98.400.80
Macquarie Group Ltd98.400.80
Schroders98.400.80
Investec UK98.400.00
SVS Securities98.400.00
Santander UK98.400.00
BNY Mellon UK98.000.00
State Bank of India ​UK97.960.00
Syscap97.602.40
Bank of England97.601.60
LV Adviser Centre97.600.80
Agricultural Mortgag​e Corporation97.600.00
Cofunds97.600.00
Nationwide Building ​Society97.600.00
Ocean Finance97.600.00
Cheltenham &​ Gloucester97.300.00
ANZ Investment Bank96.800.80
Brown Shipley96.800.80
BlackRock96.800.00
Capital One96.800.00
Julius Baer Investme​nts96.800.00
Nomura Bank Internat​ional96.800.00
Investec Asset Manag​ement96.490.00
ABN AMRO Commercial ​Finance96.309.26
HSBC Bermuda96.150.00
Bank of Tokyo Mitsub​ishi96.0016.00
Principality Buildin​g Society 96.004.00
AIB Capital Markets96.000.80
First Response Finan​ce96.000.00
GE Capital96.000.00
Cheshire Building So​ciety95.930.00
SAV Credit95.590.00
RBS Group95.208.00
Rabobank Internation​al95.202.40
Yorkshire Bank95.202.40
Redmayne Bentley Sto​ckbrokers95.200.80
Teachers Building So​ciety95.200.00
Rathbones94.402.40
Citibank UK94.400.80
Glitner Bank94.400.00
Newbury Building Soc​iety94.400.00
PMI Europe93.830.00
Bank of Scotland93.600.00
UBS Investment Bank93.600.00
Bank of Baroda UK92.800.00
National Australia B​ank92.800.00
Europe Arab Bank Plc​92.620.00
Paragon Group92.412.53
Morgan Stanley &​ Co. International92.000.80
Halifax92.000.00
Isle of Man Bank Lim​ited91.200.00
Advantage Finance90.910.00
Baines &​ Ernst89.600.00
The West Brom88.800.00
Aberdeen Asset Manag​ement88.000.00
Clydesdale Bank87.200.00
Credit Suisse Group84.8016.80
Charles Stanley84.800.00
Northern Trust84.800.00
RBS83.200.80
Landesbank Hessen-Th​uringen83.200.00
Siemens Financial Se​rvices Limited83.200.00
First Trust Bank82.400.80
Hitachi Capital82.400.00
James Hay82.400.00
NatWest Bank82.400.00
Pershing Securities ​UK82.350.00
Beaufort Securities ​Ltd81.6017.60
Building Societies A​ssociation81.600.00
The Co-Operative Ban​k80.801.60
Ecology Building Soc​iety80.800.00
Weatherbys Bank78.650.00
Brewin Dolphin78.4036.80
Bank Leumi (Jersey) ​Limited76.360.00
DaimlerChrysler Fina​ncial Services76.000.80
Debt Free Direct Gro​up73.600.00
Quick Quid71.203.20
Standard Bank70.000.00
Butterfield Private ​Bank68.070.00
C. Hoare &​ Co67.920.00
Smith &​ Williamson67.200.00
Invesco Perpetual66.400.00
M&​S Bank66.400.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe63.200.00
Cattles Limited58.400.00
ICICI Bank UK58.260.87
Bank Leumi (UK) Plc56.000.00
JP Morgan Asset Mana​gement56.000.00
Standard Life UK55.200.00
Bank of Montreal50.403.20
British Bankers' Association50.400.00
Arbuthnot Banking Gr​oup49.600.00
Barclays Capital48.800.00
Moneysupermarket44.800.00
Harrington Brooks44.000.80
Merrill Lynch43.200.80
Brilliant Solutions43.200.00
Cater Allen Private ​Bank37.600.80
MoneyGram Internatio​nal36.800.80
Western Union UK32.007.20
Britannia Building S​ociety31.201.60
Chelsea Building Soc​iety30.400.00
More Than22.401.60
Nottingham Building ​Society22.400.00
Diners Club22.220.00
ClearDebt21.605.60
Barclaycard21.600.80
Vanquis Bank21.360.00
Goldman Sachs Intern​ational20.800.00
M&​G Investments20.800.00
Moneyextra.com16.800.00
Quayle Munroe15.130.00
CCLA14.670.00
Capital Resolve14.550.00
Experian14.400.80
Smile13.600.80
The Money Shop12.800.00
Barclays Bank12.001.60
Sainsbury's Bank12.000.00
Travelex UK11.960.00
Charles Schwab UK11.201.60
MasterCard UK8.804.80
Rothschild &​ Sons8.800.00
Skipton Building Soc​iety7.200.00
Jefferies Internatio​nal5.601.60
Family Investments5.600.00
HSBC Private Bank5.600.00
Homeloan Management4.802.40
ARVAL4.801.60
Danske Bank UK4.800.00
Scotiabank4.800.00
Cumberland Building ​Society4.000.80
Allied Irish Bank UK​3.200.80
Moneyfacts.co.uk3.200.80
MBNA Europe3.200.00
Standard Life Invest​ments3.200.00
Cash Converters2.402.40
Coventry Building So​ciety2.400.80
Bank of Ireland1.640.00
London Stock Exchang​e1.600.80
Altium Capital1.600.00
RBS International1.600.00
Raphaels Bank1.600.00
Ulster Bank1.600.00
Airdrie Savings Bank​0.830.00
Cambridge Building S​ociety0.800.80
Bank of Cyprus UK0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
ICBC UK0.800.00
Renaissance Capital ​Limited0.800.00
BM Savings0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
Deutsche Bank UK0.000.00
Gulf International B​ank0.000.00
Mercer UK0.000.00
Numis Securities0.000.00
One Account0.000.00
Reliance Bank Limite​d0.000.00
Secure Trust Bank Pl​c0.000.00
WH Ireland0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Dudley Building Society
  • Julius Baer Investments
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Mercer UK
  • WH Ireland
  • Bank of China UK
  • BM Savings
  • BNP Paribas UK
  • Gulf International Bank
  • Numis Securities
  • One Account
  • Reliance Bank Limited
  • Secure Trust Bank Plc
  • Deutsche Bank UK
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Bank of Ireland Mortgages
  • BCW Group
  • Cahoot
  • Charterhouse
  • Citigroup Global Markets Limited
  • Close Premium Finance
  • EBS Building Society
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • Foresters UK
  • GE Money
  • GMAC Financial Services
  • Handelsbanken UK
  • Harrods Bank Limited
  • HFC Bank
  • The Bank of East Asia UK
  • JCB Card Europe
  • LeasePlan UK
  • Mirabaud Securities (UK)
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • Punjab National Bank (International) Ltd UK
  • SMBC Capital Markets
  • Standard Chartered Bank UK
  • St Andrews Financial Services
  • Derbyshire Building Society
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
  • Commerzbank UK
  • DNB Norbank
  • The Loans Engine
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PDF testing

35.7% of checked PDFs were not tagged for accessibility.

Sitemorse performs twenty eight checks on PDF documents as part of our website benchmarking to ensure users do not experience problems such as broken links, or failing email addresses - we are also the first to test the accessibility compliance of PDF's.

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Top ten functional failures

The most common categories of functional failure.

url/fetch/notfound
File not found
36.91%
file/image/badtype
Image file has incorrect type
24.94%
url/fetch/badcookie
Web server attempted to set invalid cookie
24.81%
url/fetch/accessdenied
Access is denied
4.02%
url/fetch/timeout
Timeout downloading file
3.62%
url/fetch/unknownstatus
Unknown status code received from web server
2.06%
url/fetch/noaddr
Host not found in DNS
1.65%
url/fetch/badscheme
URL scheme was unrecognised
0.48%
url/fetch/redirectloop
Redirect points back to the original page
0.45%
url/fetch/exception
Exception while downloading file
0.42%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
18.68%
file/html/badentity
Invalid character in entity
18.31%
file/html/badattr
Invalid attribute name
17.04%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
16.88%
file/html/missingclose
An element is missing the required close tag
11.86%
file/html/badvalue
Invalid attribute value
5.59%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.18%
file/html/closingunopened
A redundant close tag was found
1.53%
file/html/missingattr
A start tag is missing required attributes
1.49%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
0.97%