2014 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    07 May 2014

  • Total URLs tested:

    276,404

  • Total tests run:

    90,327,640

  • Total number of PDF's:

    19,090

  • URLs failing functional tests:

    3.17%

  • Pages failing code standards:

    92.36%

  • Pages missing a title:

    4.12%

  • Pages failing accessibility level A:

    36.65%

  • Pages failing accessibility level AA:

    98.77%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 129,743 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 79.61
Charterhouse 0.01 92.60
National Savings &​ Investments (ns&​i) 0.01 913.68
More Than 0.02 889.21
The Money Shop 0.02 56.18
Julian Hodge Bank 0.02 898.43
Barclays Bank 0.02 500.34
Hitachi Capital 0.03 1903.64
Yorkshire Bank 0.03 1122.31
European Bank 0.03 1531.01
CCLA 0.03 2202.51
GE Capital 0.03 407.91
Coutts &​ Co 0.03 1560.19
HSBC Bank 0.03 238.35
Clydesdale Bank 0.03 1205.80
Legal &​ General 0.03 775.41
Agricultural Mortgag​e Corporation 0.03 423.81
Adam &​ Company 0.03 301.56
Monmouthshire Buildi​ng Society 0.03 637.87
Numis Securities 0.04 59.56
Diners Club 0.04 4181.17
Moneyextra.com 0.04 27.39
Moneysupermarket 0.04 187.94
Lloyds TSB 0.04 307.68
Britannia Building S​ociety 0.04 205.70
Smile 0.04 505.70
HSBC Private Bank 0.04 186.63
Citibank UK 0.04 1441.04
Family Investments 0.04 794.29
Syscap 0.04 245.70
Coventry Building So​ciety 0.05 358.47
Bank of Ireland Mort​gages 0.05 493.98
The Co-Operative Ban​k 0.05 2053.66
Financial Ombudsman ​Service 0.05 1435.59
JP Morgan Asset Mana​gement 0.05 716.33
Newcastle Building S​ociety 0.05 285.24
Arbuthnot Banking Gr​oup 0.05 342.30
BM Savings 0.05 88.01
Bank of Baroda UK 0.05 739.04
Scottish Widows Bank​ plc 0.06 495.05
Redmayne Bentley Sto​ckbrokers 0.06 175.34
Capital One 0.06 73.29
Chelsea Building Soc​iety 0.06 143.01
Europe Arab Bank Plc​ 0.06 2516.91
Vanquis Bank 0.06 723.68
Landesbank Berlin 0.06 130.48
Ocean Finance 0.06 173.20
Leeds Building Socie​ty 0.07 262.06
Santander UK 0.07 15.89
Reliance Bank Limite​d 0.07 535.66
Morgan Stanley &​ Co. International 0.07 302.26
engage Mutual Assura​nce 0.07 241.64
Cheltenham &​ Gloucester 0.07 251.69
Standard Life UK 0.07 289.14
Dudley Building Soci​ety 0.07 568.11
Kensington Mortgages​ 0.07 473.44
Paragon Group 0.07 325.65
M&​S Bank 0.07 396.14
Bank of Ireland 0.07 642.43
State Bank of India ​UK 0.07 1113.11
C. Hoare &​ Co 0.08 738.19
NatWest Bank 0.08 283.70
BNP Paribas Leasing ​Solutions UK 0.08 79.57
Newbury Building Soc​iety 0.08 383.07
Goldman Sachs Intern​ational 0.08 1352.01
First Trust Bank 0.08 56.47
Ulster Bank 0.08 491.86
Experian 0.08 361.69
Travelex UK 0.08 127.62
Isle of Man Bank Lim​ited 0.09 308.80
Teachers Building So​ciety 0.09 545.23
BIBBY Financial Serv​ices 0.09 243.44
RBS 0.09 304.56
Raphaels Bank 0.09 412.32
Nottingham Building ​Society 0.09 547.52
RBS International 0.09 225.95
MasterCard UK 0.09 72.02
Skipton Building Soc​iety 0.09 390.53
Brown Shipley 0.09 15.69
Yorkshire Building S​ociety 0.09 250.07
ClearDebt 0.09 107.48
Darlington Building ​Society 0.09 161.51
Welcome Finance 0.10 153.04
Smith &​ Williamson 0.10 818.04
Aberdeen Asset Manag​ement 0.10 253.41
London Stock Exchang​e 0.10 359.94
Principality Buildin​g Society 0.10 1164.55
AIB Capital Markets 0.10 145.31
Islamic Bank of Brit​ain 0.10 485.88
Scotiabank 0.10 513.85
Secure Trust Bank Pl​c 0.10 2337.83
Cofunds 0.10 351.42
Deutsche Bank UK 0.11 365.93
Investec UK 0.11 788.95
ABN AMRO Commercial ​Finance 0.11 193.57
Cambridge Building S​ociety 0.11 617.84
Nationwide Building ​Society 0.11 930.07
Siemens Financial Se​rvices Limited 0.12 632.50
Altium Capital 0.12 384.76
Brewin Dolphin 0.12 201.50
Western Union UK 0.12 135.38
Cumberland Building ​Society 0.12 482.91
Beaufort Securities ​Ltd 0.12 1581.69
M&​G Investments 0.12 2512.80
Cheshire Building So​ciety 0.13 447.49
Barclays Capital 0.13 876.31
Standard Chartered B​ank UK 0.13 783.29
Rabobank Internation​al 0.13 703.42
Rothschild &​ Sons 0.13 351.23
European Central Ban​k 0.13 2305.28
James Hay 0.14 1225.31
Cater Allen Private ​Bank 0.14 1130.11
Cash Converters 0.14 317.88
Weatherbys Bank 0.15 399.49
ICBC UK 0.15 269.53
First Response Finan​ce 0.15 212.62
Julius Baer Investme​nts 0.15 508.69
Allied Irish Bank UK​ 0.15 25.28
Bank of England 0.15 1551.65
Shore Capital 0.15 913.10
ARVAL 0.15 307.51
Punjab National Bank​ (International) Ltd​ UK 0.16 796.02
Ipswich Building Soc​iety 0.17 385.69
Harrington Brooks 0.17 171.04
MBNA Europe 0.17 397.83
Debt Free Direct Gro​up 0.17 719.67
John Charcol 0.17 180.62
Old Mutual 0.17 598.88
Airdrie Savings Bank​ 0.18 720.96
Ecology Building Soc​iety 0.18 3466.31
BNP Paribas UK 0.18 92.21
Bank of Montreal 0.18 503.12
Danske Bank UK 0.19 264.97
Cattles Limited 0.19 921.33
Bank Leumi (Jersey) ​Limited 0.20 54.62
Bank of Cyprus UK 0.20 287.49
Barclaycard 0.20 384.11
Visa UK 0.21 988.71
Pershing Securities ​UK 0.21 163.80
JPMorgan Chase 0.21 214.46
Sainsbury's Bank 0.21 200.17
UBS Investment Bank 0.21 254.04
Merrill Lynch 0.22 44.86
Schroders 0.22 2362.62
Advantage Finance 0.23 498.91
Nemo Personal Financ​e 0.23 88.37
Rathbones 0.24 2149.69
Building Societies A​ssociation 0.24 1126.43
Quayle Munroe 0.25 81.91
WH Ireland 0.25 95.31
Renaissance Capital ​Limited 0.25 426.13
Northern Trust 0.26 235.69
Credit Suisse Group 0.26 437.54
SAV Credit 0.26 2510.63
Duncan Lawrie Bank 0.27 481.15
Butterfield Private ​Bank 0.27 183.79
Mercer UK 0.27 66.02
Teachers Assurance 0.28 578.77
Dexia Public Finance​ Bank 0.28 1124.39
Charles Schwab UK 0.28 34.77
WestLB Mellon Asset ​Management (UK) 0.28 673.94
Landesbank Hessen-Th​uringen 0.29 879.48
Moneyfacts.co.uk 0.29 165.74
Jefferies Internatio​nal 0.30 144.42
Charity Bank 0.30 534.81
Scottish Widows Inve​stment 0.30 452.89
BlackRock 0.30 284.82
Close Brothers Group​ Plc 0.30 1602.71
Daiwa Capitals Marke​ts Europe Ltd 0.31 295.10
DaimlerChrysler Fina​ncial Services 0.32 582.78
3i Group 0.33 402.91
Halifax 0.34 282.17
Mirabaud Securities ​(UK) 0.34 370.49
Invesco Perpetual 0.34 300.93
Bank of Scotland 0.35 180.54
DNB Norbank 0.35 75.87
Intelligent Finance 0.36 253.50
Bank Leumi (UK) Plc 0.37 107.99
Tesco Bank 0.38 212.85
ICICI Bank UK 0.39 169.04
MoneyGram Internatio​nal 0.39 72.01
Greenhill &​ Co 0.40 150.09
Financial Conduct Au​thority 0.40 84.87
The West Brom 0.40 544.21
Baines &​ Ernst 0.40 232.81
PayPoint 0.40 64.94
Capital Resolve 0.42 58.64
Loughborough Buildin​g Society 0.43 426.83
Nomura Bank Internat​ional 0.43 196.98
Societe Generale Pri​vate Banking UK 0.47 122.72
Bank of Tokyo Mitsub​ishi 0.48 112.03
Bluefin 0.50 350.76
Standard Life Invest​ments 0.51 523.96
Macquarie Group Ltd 0.51 37.13
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.51 176.48
Westpac Banking Corp​oration UK 0.51 59.71
JCB Card Europe 0.51 40.15
Charles Stanley 0.53 797.07
National Australia B​ank 0.54 436.28
Gulf International B​ank 0.55 170.83
Quick Quid 0.58 121.18
Brilliant Solutions 0.62 237.55
Investec Asset Manag​ement 0.64 420.34
Homeloan Management 0.66 248.86
HSBC Bermuda 0.69 90.82
Liffe Investor 0.71 54.20
Bank of China UK 0.81 17.77
ANZ Bank 0.93 72.26
SVS Securities 1.12 102.42
British Bankers' Association 2.97 212.14
Organisation A AA
Julian Hodge Bank100.0076.32
John Charcol100.0036.00
Bank of Ireland Mort​gages100.007.69
Close Brothers Group​ Plc100.000.80
Nemo Personal Financ​e100.000.80
3i Group100.000.00
Adam &​ Company100.000.00
BNP Paribas Leasing ​Solutions UK100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
Financial Ombudsman ​Service100.000.00
HSBC Private Bank100.000.00
JPMorgan Chase100.000.00
James Hay100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Liffe Investor100.000.00
Monmouthshire Buildi​ng Society100.000.00
National Savings &​ Investments (ns&​i)100.000.00
Nationwide Building ​Society100.000.00
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
Bank of Tokyo Mitsub​ishi99.2014.40
Leeds Building Socie​ty99.2011.20
Barclays Bank99.202.40
Coutts &​ Co99.200.80
Beaufort Securities ​Ltd99.200.00
DNB Norbank99.200.00
Financial Conduct Au​thority99.200.00
Lloyds TSB99.200.00
Santander UK99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Intelligent Finance98.8277.65
Duncan Lawrie Bank98.400.80
Macquarie Group Ltd98.400.80
BIBBY Financial Serv​ices98.400.00
Barclaycard98.400.00
C. Hoare &​ Co98.400.00
Legal &​ General98.400.00
Ocean Finance98.400.00
Schroders98.400.00
Shore Capital98.400.00
Syscap98.400.00
State Bank of India ​UK97.961.02
GE Capital97.601.60
ABN AMRO Commercial ​Finance97.600.00
Agricultural Mortgag​e Corporation97.600.00
BlackRock97.600.00
Scottish Widows Bank​ plc97.600.00
Hitachi Capital96.801.60
ANZ Bank96.800.00
Bank of England96.800.00
Brown Shipley96.800.00
Capital One96.800.00
Charterhouse96.800.00
European Central Ban​k96.800.00
Julius Baer Investme​nts96.800.00
Nomura Bank Internat​ional96.800.00
Scottish Widows Inve​stment96.800.00
Teachers Assurance96.800.00
Yorkshire Building S​ociety96.800.00
engage Mutual Assura​nce96.800.00
Airdrie Savings Bank​96.750.00
Mirabaud Securities ​(UK)96.700.00
Darlington Building ​Society96.230.00
Cheltenham &​ Gloucester96.009.33
AIB Capital Markets96.000.80
HSBC Bank96.000.00
Bank of Cyprus UK95.200.00
Building Societies A​ssociation95.200.00
Rathbones95.200.00
SVS Securities95.200.00
Cheshire Building So​ciety95.190.00
Investec UK94.405.60
Baines &​ Ernst94.400.00
Bank of Baroda UK94.310.00
Visa UK94.120.00
Citibank UK93.604.00
HSBC Bermuda93.590.00
RBS92.000.80
Halifax92.000.00
JCB Card Europe92.000.00
NatWest Bank92.000.00
UBS Investment Bank92.000.00
Principality Buildin​g Society 91.200.00
Advantage Finance91.030.00
Aberdeen Asset Manag​ement90.400.00
Isle of Man Bank Lim​ited90.400.00
Secure Trust Bank Pl​c90.200.00
Charity Bank89.600.00
Rabobank Internation​al88.800.80
Bank of Scotland88.800.00
Yorkshire Bank87.200.00
Invesco Perpetual86.400.80
Ipswich Building Soc​iety86.400.00
Northern Trust86.400.00
Investec Asset Manag​ement86.210.00
Clydesdale Bank85.600.00
Landesbank Hessen-Th​uringen85.600.00
The Co-Operative Ban​k84.807.20
Cofunds84.800.00
National Australia B​ank83.200.00
First Trust Bank82.400.80
Loughborough Buildin​g Society80.800.00
Bank of Montreal80.002.40
Pershing Securities ​UK79.780.00
Bank Leumi (Jersey) ​Limited78.570.00
Redmayne Bentley Sto​ckbrokers77.600.80
Debt Free Direct Gro​up77.600.00
Siemens Financial Se​rvices Limited76.800.00
Weatherbys Bank76.290.00
Standard Life UK76.000.80
DaimlerChrysler Fina​ncial Services75.200.00
Smith &​ Williamson74.401.60
Barclays Capital72.860.00
Altium Capital72.800.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe71.200.00
Bank of Ireland68.801.60
Morgan Stanley &​ Co. International68.800.80
First Response Finan​ce67.470.00
Butterfield Private ​Bank66.940.00
Punjab National Bank​ (International) Ltd​ UK66.000.00
Ecology Building Soc​iety63.200.00
JP Morgan Asset Mana​gement63.200.00
Credit Suisse Group60.804.00
ICICI Bank UK60.000.00
M&​S Bank60.000.00
MoneyGram Internatio​nal60.000.00
Harrington Brooks59.200.00
Bank Leumi (UK) Plc57.600.00
Cattles Limited57.600.00
Brewin Dolphin52.800.00
Quick Quid50.400.00
Arbuthnot Banking Gr​oup49.600.00
Moneysupermarket48.800.00
Newcastle Building S​ociety47.320.00
Charles Stanley47.200.00
Merrill Lynch44.800.80
Britannia Building S​ociety44.004.00
SAV Credit41.380.00
Brilliant Solutions38.400.00
Western Union UK32.008.00
Cater Allen Private ​Bank32.000.00
Nottingham Building ​Society24.002.40
CCLA23.880.00
Vanquis Bank21.150.00
Diners Club20.900.00
Bluefin18.400.00
M&​G Investments17.600.00
Charles Schwab UK17.500.00
Experian16.000.80
Goldman Sachs Intern​ational16.000.00
Smile15.520.86
Moneyextra.com14.400.00
Rothschild &​ Sons14.400.00
Capital Resolve12.960.00
ClearDebt12.000.00
The West Brom12.000.00
Travelex UK11.240.00
Sainsbury's Bank11.200.00
Raphaels Bank10.610.00
Skipton Building Soc​iety10.400.00
Quayle Munroe10.080.00
MasterCard UK9.604.00
The Money Shop9.600.00
Standard Life Invest​ments8.800.00
ARVAL7.200.80
Chelsea Building Soc​iety7.200.00
Danske Bank UK6.400.00
Family Investments6.400.00
More Than5.941.98
Paragon Group5.632.82
Islamic Bank of Brit​ain5.600.00
Jefferies Internatio​nal4.800.00
Cumberland Building ​Society4.000.80
Homeloan Management4.000.00
Scotiabank4.000.00
MBNA Europe3.200.00
Cash Converters2.400.00
Coventry Building So​ciety2.400.00
ICBC UK2.400.00
Ulster Bank2.400.00
Allied Irish Bank UK​1.600.00
European Bank1.600.00
RBS International1.600.00
Renaissance Capital ​Limited1.600.00
Reliance Bank Limite​d1.351.35
Greenhill &​ Co0.800.00
London Stock Exchang​e0.800.00
Mercer UK0.800.00
Moneyfacts.co.uk0.800.00
BM Savings0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
Cambridge Building S​ociety0.000.00
Daiwa Capitals Marke​ts Europe Ltd0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Gulf International B​ank0.000.00
Newbury Building Soc​iety0.000.00
Numis Securities0.000.00
One Account0.000.00
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.

  • Landesbank Berlin
  • Numis Securities
  • Duncan Lawrie Bank
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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
  • British Bankers' Association
  • BM Savings
  • BNP Paribas UK
  • Cambridge Building Society
  • Gulf International Bank
  • Newbury Building Society
  • Numis Securities
  • One Account
  • Teachers Building Society
  • Daiwa Capitals Markets Europe Ltd
  • Deutsche Bank UK
  • Europe Arab Bank Plc
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • BNY Mellon UK
  • BCW Group
  • Cahoot
  • 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
  • LeasePlan UK
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • 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

37.5% 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
48.87%
file/image/badtype
Image file has incorrect type
32.52%
url/fetch/connref
Connection refused by server
5.80%
url/fetch/unknownstatus
Unknown status code received from web server
3.13%
url/fetch/noaddr
Host not found in DNS
2.98%
url/fetch/accessdenied
Access is denied
2.44%
url/fetch/timeout
Timeout downloading file
1.33%
url/fetch/exception
Exception while downloading file
0.92%
url/fetch/badcookie
Web server attempted to set invalid cookie
0.74%
url/fetch/redirectloop
Redirect points back to the original page
0.36%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
22.34%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
16.14%
file/html/unknownentity
Unknown entity name
15.37%
file/html/badentity
Invalid character in entity
14.75%
file/html/missingclose
An element is missing the required close tag
11.82%
file/html/badvalue
Invalid attribute value
7.88%
file/html/unknowntag
A start or end tag was found which was unrecognised
2.37%
file/html/missingattr
A start tag is missing required attributes
1.65%
file/html/closingunopened
A redundant close tag was found
1.49%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.08%