2014 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    27 Jan 2014

  • Total URLs tested:

    248,447

  • Total tests run:

    81,092,973

  • Total number of PDF's:

    13,373

  • URLs failing functional tests:

    4.42%

  • Pages failing code standards:

    91.42%

  • Pages missing a title:

    4.39%

  • Pages failing accessibility level A:

    36.41%

  • Pages failing accessibility level AA:

    98.18%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 119,804 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 78.58
Numis Securities 0.01 313.75
European Bank 0.01 1553.88
RBS Group 0.02 175.55
Yorkshire Bank 0.02 703.87
Monmouthshire Buildi​ng Society 0.02 1156.31
Visa UK 0.02 844.25
Coutts &​ Co 0.02 151.06
Adam &​ Company 0.02 233.62
Agricultural Mortgag​e Corporation 0.02 459.64
JP Morgan Asset Mana​gement 0.02 863.21
The Money Shop 0.02 52.26
Hitachi Capital 0.03 1839.62
Clydesdale Bank 0.03 897.91
Julian Hodge Bank 0.03 926.02
SAV Credit 0.03 322.72
Citibank UK 0.03 502.47
Legal &​ General 0.03 346.46
National Savings &​ Investments (ns&​i) 0.03 323.64
Diners Club 0.03 3068.05
Scottish Widows Bank​ plc 0.03 136.78
Lloyds TSB 0.04 325.29
Britannia Building S​ociety 0.04 242.58
More Than 0.04 318.57
Reliance Bank Limite​d 0.04 490.32
ICBC UK 0.04 293.97
BM Savings 0.04 75.59
Coventry Building So​ciety 0.04 202.89
Smile 0.04 295.08
Moneyextra.com 0.04 35.85
Bank of Baroda UK 0.04 628.42
Leeds Building Socie​ty 0.04 250.33
Redmayne Bentley Sto​ckbrokers 0.04 144.17
GE Capital 0.04 466.29
HSBC Private Bank 0.05 137.14
Capital One 0.05 86.41
Nationwide Building ​Society 0.05 553.98
Yorkshire Building S​ociety 0.05 448.13
Ulster Bank 0.05 572.38
The Co-Operative Ban​k 0.05 364.88
HSBC Bank 0.05 156.76
Chelsea Building Soc​iety 0.05 107.72
Sainsbury's Bank 0.05 379.53
Ocean Finance 0.05 123.78
Syscap 0.05 347.99
NatWest Bank 0.06 305.32
Moneysupermarket 0.06 79.42
Isle of Man Bank Lim​ited 0.06 326.07
RBS International 0.06 140.34
Newcastle Building S​ociety 0.06 313.58
RBS 0.06 245.54
Financial Ombudsman ​Service 0.06 1541.93
Family Investments 0.06 606.45
Morgan Stanley &​ Co. International 0.06 316.04
Intelligent Finance 0.06 349.99
DaimlerChrysler Fina​ncial Services 0.07 522.46
Experian 0.07 215.93
Santander UK 0.07 13.51
State Bank of India ​UK 0.07 1096.86
M&​S Bank 0.07 438.44
Brown Shipley 0.07 248.41
Bank of Ireland 0.07 264.40
Newbury Building Soc​iety 0.07 221.45
engage Mutual Assura​nce 0.07 353.63
Paragon Group 0.08 598.71
Barclays Bank 0.08 456.61
BNP Paribas Leasing ​Solutions UK 0.08 85.34
Principality Buildin​g Society 0.08 590.12
Landesbank Berlin 0.08 83.10
Smith &​ Williamson 0.08 981.86
BIBBY Financial Serv​ices 0.08 373.16
First Trust Bank 0.08 40.16
Goldman Sachs Intern​ational 0.08 1463.07
AIB Capital Markets 0.08 87.99
Raphaels Bank 0.08 382.39
Deutsche Bank UK 0.08 228.77
ABN AMRO Commercial ​Finance 0.08 182.20
Travelex UK 0.09 90.98
Arbuthnot Banking Gr​oup 0.09 325.56
Standard Life UK 0.09 267.19
Welcome Finance 0.09 127.64
Barclays Capital 0.09 933.36
EBS Building Society​ 0.10 781.76
Nottingham Building ​Society 0.10 288.09
Dudley Building Soci​ety 0.10 465.06
James Hay 0.11 871.08
Allied Irish Bank UK​ 0.11 29.63
European Central Ban​k 0.11 1845.16
Skipton Building Soc​iety 0.11 596.26
Ipswich Building Soc​iety 0.11 678.25
Cumberland Building ​Society 0.12 368.16
London Stock Exchang​e 0.12 247.48
Cambridge Building S​ociety 0.12 775.53
British Bankers' Association 0.12 241.31
Cash Converters 0.12 389.41
Nemo Personal Financ​e 0.13 90.27
Cater Allen Private ​Bank 0.13 1281.47
Standard Chartered B​ank UK 0.13 760.16
Cofunds 0.13 398.72
Weatherbys Bank 0.13 222.15
ClearDebt 0.13 123.34
Darlington Building ​Society 0.14 117.55
Rabobank Internation​al 0.14 713.60
Beaufort Securities ​Ltd 0.14 1366.87
MasterCard UK 0.14 51.83
Aberdeen Asset Manag​ement 0.14 175.66
Cheshire Building So​ciety 0.15 484.25
Bank of England 0.15 1356.13
Teachers Building So​ciety 0.15 484.20
Capital Resolve 0.15 61.74
Schroders 0.15 2433.31
Barclaycard 0.15 170.64
Bank of Montreal 0.15 365.88
Siemens Financial Se​rvices Limited 0.15 431.04
First Response Finan​ce 0.16 210.40
Debt Free Direct Gro​up 0.16 603.49
Scotiabank 0.16 444.08
C. Hoare &​ Co 0.17 564.05
Western Union UK 0.17 156.82
Julius Baer Investme​nts 0.17 185.92
Bank of Scotland 0.17 153.70
Advantage Finance 0.18 475.95
Ecology Building Soc​iety 0.18 2890.47
CCLA 0.18 260.97
The West Brom 0.18 515.69
Building Societies A​ssociation 0.19 972.27
Old Mutual 0.19 522.44
Landesbank Hessen-Th​uringen 0.19 686.01
Credit Suisse Group 0.19 149.32
Harrington Brooks 0.20 426.76
Investec UK 0.20 723.97
Charles Schwab UK 0.21 55.87
Vanquis Bank 0.21 281.44
Rathbones 0.21 1291.68
M&​G Investments 0.22 2957.92
Halifax 0.22 186.01
Pershing Securities ​UK 0.23 145.82
Quayle Munroe 0.23 85.85
JPMorgan Chase 0.23 251.85
UBS Investment Bank 0.23 166.20
Renaissance Capital ​Limited 0.23 421.62
Shore Capital 0.23 356.82
Islamic Bank of Brit​ain 0.24 291.28
BNY Mellon UK 0.25 85.63
Airdrie Savings Bank​ 0.25 328.21
MBNA Europe 0.26 225.20
Moneyfacts.co.uk 0.26 137.37
Merrill Lynch 0.27 47.02
Rothschild &​ Sons 0.27 458.28
WH Ireland 0.27 89.05
Bank Leumi (Jersey) ​Limited 0.27 57.54
WestLB Mellon Asset ​Management (UK) 0.28 558.90
Dexia Public Finance​ Bank 0.28 801.57
Northern Trust 0.29 268.21
Baines &​ Ernst 0.29 234.15
Duncan Lawrie Bank 0.30 296.47
John Charcol 0.30 80.65
Charity Bank 0.30 470.78
Close Brothers Group​ Plc 0.30 1422.74
Charles Stanley 0.32 611.73
BlackRock 0.32 93.37
Butterfield Private ​Bank 0.33 167.73
Cattles Limited 0.33 1015.56
BNP Paribas UK 0.33 52.06
Secure Trust Bank Pl​c 0.34 251.77
Scottish Widows Inve​stment 0.34 801.49
Daiwa Capitals Marke​ts Europe Ltd 0.35 294.58
Jefferies Internatio​nal 0.35 115.70
ICICI Bank UK 0.37 88.31
Europe Arab Bank Plc​ 0.37 718.63
Mercer UK 0.37 56.60
Kensington Mortgages​ 0.37 207.17
Societe Generale Pri​vate Banking UK 0.38 86.99
Bank Leumi (UK) Plc 0.39 98.94
Bank of Cyprus UK 0.39 254.09
Cheltenham &​ Gloucester 0.39 260.65
Invesco Perpetual 0.39 170.92
Tesco Bank 0.40 238.87
DNB Norbank 0.40 125.43
Danske Bank UK 0.41 186.33
MoneyGram Internatio​nal 0.41 91.29
National Australia B​ank 0.42 462.13
PayPoint 0.43 57.89
Brewin Dolphin 0.44 587.41
Gulf International B​ank 0.45 177.40
Standard Life Invest​ments 0.46 574.49
Quick Quid 0.46 119.71
3i Group 0.48 280.55
Teachers Assurance 0.48 381.54
JCB Card Europe 0.50 59.31
Westpac Banking Corp​oration UK 0.51 78.61
Bluefin 0.51 305.77
Macquarie Group Ltd 0.52 32.53
Altium Capital 0.52 16.67
Financial Conduct Au​thority 0.53 58.54
Nomura Bank Internat​ional 0.53 105.23
Greenhill &​ Co 0.54 90.91
ARVAL 0.56 360.57
Investec Asset Manag​ement 0.58 368.56
Loughborough Buildin​g Society 0.61 247.06
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.61 144.86
Bank of Tokyo Mitsub​ishi 0.65 131.86
Bank of China UK 0.68 18.88
HSBC Bermuda 0.70 110.42
Brilliant Solutions 0.77 246.89
Liffe Investor 0.81 39.14
ANZ Bank 0.91 66.64
SVS Securities 0.94 96.53
Homeloan Management 1.06 120.84
Organisation A AA
Julian Hodge Bank100.0095.65
Leeds Building Socie​ty100.0069.60
John Charcol100.0031.20
Visa UK100.003.33
JPMorgan Chase100.001.60
Nemo Personal Financ​e100.000.80
3i Group100.000.00
BNP Paribas Leasing ​Solutions UK100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
Financial Conduct Au​thority100.000.00
Financial Ombudsman ​Service100.000.00
HSBC Private Bank100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Liffe Investor100.000.00
Lloyds TSB100.000.00
Loughborough Buildin​g Society100.000.00
Monmouthshire Buildi​ng Society100.000.00
National Savings &​ Investments (ns&​i)100.000.00
Old Mutual100.000.00
PayPoint100.000.00
Standard Chartered B​ank UK100.000.00
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
Close Brothers Group​ Plc99.200.80
Adam &​ Company99.200.00
BIBBY Financial Serv​ices99.200.00
Beaufort Securities ​Ltd99.200.00
Building Societies A​ssociation99.200.00
Coutts &​ Co99.200.00
DNB Norbank99.200.00
HSBC Bank99.200.00
Legal &​ General99.200.00
Nationwide Building ​Society99.200.00
Santander UK99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Teachers Assurance99.200.00
Newcastle Building S​ociety98.940.00
Intelligent Finance98.7886.59
Bank of Tokyo Mitsub​ishi98.4016.00
Barclays Bank98.400.80
Duncan Lawrie Bank98.400.80
Macquarie Group Ltd98.400.80
Scottish Widows Bank​ plc98.400.80
Barclaycard98.400.00
C. Hoare &​ Co98.400.00
Nomura Bank Internat​ional98.400.00
SVS Securities98.400.00
Schroders98.400.00
Shore Capital98.400.00
Syscap98.400.00
BNY Mellon UK98.000.00
State Bank of India ​UK97.920.00
Agricultural Mortgag​e Corporation97.600.00
Bank of England97.600.00
Charity Bank97.600.00
Ocean Finance97.600.00
Scottish Widows Inve​stment97.600.00
Cheltenham &​ Gloucester97.140.00
Principality Buildin​g Society 96.800.80
ANZ Bank96.800.00
BlackRock96.800.00
Brown Shipley96.800.00
Capital One96.800.00
Cofunds96.800.00
Julius Baer Investme​nts96.800.00
RBS Group96.800.00
GE Capital96.001.60
AIB Capital Markets96.000.80
Rabobank Internation​al96.000.80
ABN AMRO Commercial ​Finance96.000.00
Cheshire Building So​ciety96.000.00
First Response Finan​ce96.000.00
SAV Credit95.770.00
Citibank UK95.200.80
Rathbones95.200.00
Bank of Baroda UK94.400.00
Investec UK93.604.00
Bank of Cyprus UK93.600.00
UBS Investment Bank93.600.00
engage Mutual Assura​nce92.800.00
Europe Arab Bank Plc​92.440.00
Aberdeen Asset Manag​ement92.000.00
Bank of Scotland92.000.00
Yorkshire Bank92.000.00
Halifax91.200.00
NatWest Bank91.200.00
Advantage Finance91.030.00
HSBC Bermuda91.030.00
Paragon Group90.573.77
Landesbank Hessen-Th​uringen90.400.00
Baines &​ Ernst89.600.00
JCB Card Europe89.600.00
National Australia B​ank89.600.00
Redmayne Bentley Sto​ckbrokers88.800.80
Isle of Man Bank Lim​ited88.800.00
Hitachi Capital88.001.60
Clydesdale Bank88.000.00
Darlington Building ​Society87.720.00
RBS86.400.00
EBS Building Society​85.872.17
Northern Trust85.600.00
Charles Stanley83.200.00
Credit Suisse Group82.4013.60
Ipswich Building Soc​iety82.400.00
James Hay82.400.00
Bank Leumi (Jersey) ​Limited81.480.00
Pershing Securities ​UK81.400.00
First Trust Bank80.800.80
DaimlerChrysler Fina​ncial Services80.800.00
Debt Free Direct Gro​up80.800.00
Investec Asset Manag​ement80.000.00
Weatherbys Bank80.000.00
The Co-Operative Ban​k79.207.20
Brewin Dolphin78.4060.80
European Central Ban​k78.400.80
Siemens Financial Se​rvices Limited78.400.00
Bank of Montreal76.003.20
Standard Life UK75.200.80
Sumitomo Mitsui Bank​ing Corporation Euro​pe72.800.00
Barclays Capital72.060.00
Morgan Stanley &​ Co. International71.200.80
M&​S Bank69.600.00
Quick Quid68.000.00
Butterfield Private ​Bank67.800.00
Ecology Building Soc​iety64.000.00
JP Morgan Asset Mana​gement61.600.00
The West Brom59.200.00
Cattles Limited58.400.00
Moneysupermarket57.600.00
Bank Leumi (UK) Plc56.000.00
MoneyGram Internatio​nal56.000.00
Harrington Brooks55.200.00
ICICI Bank UK55.200.00
Smith &​ Williamson51.200.00
Arbuthnot Banking Gr​oup49.600.00
British Bankers' Association48.800.00
Merrill Lynch44.000.80
Brilliant Solutions40.800.00
Cater Allen Private ​Bank36.000.00
Western Union UK32.007.20
Britannia Building S​ociety31.201.60
Chelsea Building Soc​iety31.200.00
Bluefin25.600.00
Invesco Perpetual25.600.00
More Than24.001.60
Vanquis Bank21.150.00
Diners Club20.900.00
M&​G Investments19.200.00
Goldman Sachs Intern​ational17.600.00
CCLA16.000.00
Moneyextra.com16.000.00
ClearDebt14.400.00
Sainsbury's Bank13.600.00
Capital Resolve12.960.00
Charles Schwab UK12.800.80
Smile12.000.80
Travelex UK10.990.00
Quayle Munroe10.170.00
Experian9.600.80
MasterCard UK8.804.00
Danske Bank UK8.000.00
Rothschild &​ Sons8.000.00
The Money Shop7.200.00
ARVAL6.400.80
Family Investments6.400.00
Islamic Bank of Brit​ain6.400.00
Jefferies Internatio​nal5.600.00
Raphaels Bank4.620.00
Standard Life Invest​ments4.000.00
Cumberland Building ​Society3.200.80
Allied Irish Bank UK​3.200.00
Homeloan Management3.200.00
MBNA Europe3.200.00
Moneyfacts.co.uk3.200.00
Scotiabank3.200.00
Cash Converters2.400.00
Coventry Building So​ciety2.400.00
Bank of Ireland1.610.00
Altium Capital1.600.00
RBS International1.600.00
Airdrie Savings Bank​0.840.00
Nottingham Building ​Society0.800.80
BNP Paribas UK0.800.00
Cambridge Building S​ociety0.800.00
Daiwa Capitals Marke​ts Europe Ltd0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
ICBC UK0.800.00
London Stock Exchang​e0.800.00
Mercer UK0.800.00
Renaissance Capital ​Limited0.800.00
Skipton Building Soc​iety0.800.00
Ulster Bank0.800.00
BM Savings0.000.00
Bank of China UK0.000.00
Deutsche Bank UK0.000.00
Gulf International B​ank0.000.00
Newbury Building Soc​iety0.000.00
Numis Securities0.000.00
One Account0.000.00
Reliance Bank Limite​d0.000.00
Secure Trust Bank Pl​c0.000.00
Teachers Building So​ciety0.000.00
WH Ireland0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Bank of China UK
  • Bluefin
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • WH Ireland
  • Bank of China UK
  • BM Savings
  • Gulf International Bank
  • Newbury Building Society
  • Numis Securities
  • One Account
  • Reliance Bank Limited
  • Secure Trust Bank Plc
  • Teachers Building Society
  • 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
  • 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
  • LeasePlan UK
  • Mirabaud Securities (UK)
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • Punjab National Bank (International) Ltd UK
  • SMBC Capital Markets
  • St Andrews Financial Services
  • Derbyshire Building Society
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
  • Commerzbank UK
  • The Loans Engine
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PDF testing

44.4% 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
38.64%
url/fetch/badcookie
Web server attempted to set invalid cookie
27.48%
file/image/badtype
Image file has incorrect type
22.77%
url/fetch/timeout
Timeout downloading file
3.84%
url/fetch/accessdenied
Access is denied
1.89%
url/fetch/noaddr
Host not found in DNS
1.65%
url/fetch/unknownstatus
Unknown status code received from web server
1.57%
url/fetch/redirectloop
Redirect points back to the original page
0.57%
file/image/invalid
Image file is corrupt
0.44%
url/fetch/exception
Exception while downloading file
0.31%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
19.07%
file/html/unknownentity
Unknown entity name
17.11%
file/html/badentity
Invalid character in entity
16.74%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.64%
file/html/missingclose
An element is missing the required close tag
12.09%
file/html/badvalue
Invalid attribute value
7.83%
file/html/unknowntag
A start or end tag was found which was unrecognised
2.67%
file/html/closingunopened
A redundant close tag was found
1.59%
file/html/missingattr
A start tag is missing required attributes
1.42%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.04%