2014 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    29 Jul 2014

  • Total URLs tested:

    264,371

  • Total tests run:

    86,269,157

  • Total number of PDF's:

    13,407

  • URLs failing functional tests:

    3.52%

  • Pages failing code standards:

    92.33%

  • Pages missing a title:

    4.12%

  • Pages failing accessibility level A:

    38.01%

  • Pages failing accessibility level AA:

    98.88%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 46,956 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 0.01 155.37
European Bank 0.01 3111.93
Clydesdale Bank 0.01 577.92
Numis Securities 0.02 755.22
National Savings &​ Investments (ns&​i) 0.02 728.30
Yorkshire Bank 0.02 599.19
Coutts &​ Co 0.02 3058.05
Punjab National Bank​ (International) Ltd​ UK 0.02 969.50
Julian Hodge Bank 0.02 1077.10
Monmouthshire Buildi​ng Society 0.02 2187.01
Adam &​ Company 0.02 694.05
Morgan Stanley &​ Co. International 0.02 676.87
Hitachi Capital 0.02 2422.80
Citibank UK 0.02 2057.30
The Money Shop 0.03 86.69
GE Capital 0.03 923.26
Vanquis Bank 0.03 1686.33
HSBC Bank 0.03 208.94
Visa UK 0.03 1672.04
Barclays Bank 0.03 906.63
ICBC UK 0.03 417.16
BM Savings 0.04 257.47
Sainsbury's Bank 0.04 932.34
Diners Club 0.04 5461.41
More Than 0.04 900.41
Lloyds TSB 0.04 658.87
Reliance Bank Limite​d 0.04 874.59
Newcastle Building S​ociety 0.04 894.09
Family Investments 0.04 953.98
Moneyextra.com 0.04 148.83
Legal &​ General 0.04 956.95
Agricultural Mortgag​e Corporation 0.04 1037.97
Scottish Widows Bank​ plc 0.04 459.72
Leeds Building Socie​ty 0.04 440.19
HSBC Private Bank 0.05 445.84
Moneysupermarket 0.05 103.83
Bank of Baroda UK 0.05 1531.19
Arbuthnot Banking Gr​oup 0.05 800.47
Brown Shipley 0.05 648.06
Chelsea Building Soc​iety 0.06 269.42
Charterhouse 0.06 259.46
Financial Ombudsman ​Service 0.06 1471.80
Goldman Sachs Intern​ational 0.06 2866.39
Syscap 0.06 838.41
Newbury Building Soc​iety 0.06 749.87
Isle of Man Bank Lim​ited 0.06 499.73
Europe Arab Bank Plc​ 0.06 4391.04
Capital One 0.06 143.97
Smile 0.06 575.67
Beaufort Securities ​Ltd 0.06 3648.21
EBS Building Society​ 0.06 1225.98
Ulster Bank 0.06 553.51
Coventry Building So​ciety 0.06 346.51
State Bank of India ​UK 0.07 1469.31
DaimlerChrysler Fina​ncial Services 0.07 1277.27
RBS 0.07 516.98
JP Morgan Asset Mana​gement 0.07 964.54
BNP Paribas Leasing ​Solutions UK 0.07 145.66
AIB Capital Markets 0.07 172.31
Landesbank Berlin 0.07 1564.24
The Co-Operative Ban​k 0.07 902.16
M&​S Bank 0.07 408.62
Bank of Ireland 0.07 644.84
Santander UK 0.07 143.88
Yorkshire Building S​ociety 0.07 739.88
engage Mutual Assura​nce 0.07 347.90
CCLA 0.07 1209.68
Dudley Building Soci​ety 0.08 967.52
MasterCard UK 0.08 95.53
ARVAL 0.08 973.69
Bank of Ireland Mort​gages 0.08 636.66
Redmayne Bentley Sto​ckbrokers 0.08 588.86
Rabobank Internation​al 0.08 1948.63
Standard Life UK 0.08 269.43
ClearDebt 0.08 224.28
Islamic Bank of Brit​ain 0.09 1412.38
Teachers Building So​ciety 0.09 832.12
Smith &​ Williamson 0.09 2056.15
Britannia Building S​ociety 0.09 333.11
Allied Irish Bank UK​ 0.09 30.80
ABN AMRO Commercial ​Finance 0.09 423.83
James Hay 0.09 3543.61
European Central Ban​k 0.09 2048.26
Raphaels Bank 0.09 943.98
First Trust Bank 0.09 68.11
Cofunds 0.09 933.94
Paragon Group 0.09 433.29
London Stock Exchang​e 0.09 465.39
Altium Capital 0.10 921.29
Nottingham Building ​Society 0.10 644.44
Deutsche Bank UK 0.10 728.25
NatWest Bank 0.10 844.59
Principality Buildin​g Society 0.10 1865.75
Intelligent Finance 0.10 828.58
Investec UK 0.10 1380.61
Aberdeen Asset Manag​ement 0.10 348.83
Welcome Finance 0.10 300.76
Nationwide Building ​Society 0.10 1110.31
Cheltenham &​ Gloucester 0.11 795.71
Standard Chartered B​ank UK 0.11 1604.09
Bank of England 0.11 1888.68
Experian 0.11 443.76
Travelex UK 0.11 307.16
Advantage Finance 0.11 924.34
Cheshire Building So​ciety 0.12 804.94
Brewin Dolphin 0.12 433.49
Cumberland Building ​Society 0.12 622.12
Weatherbys Bank 0.12 621.17
Ipswich Building Soc​iety 0.12 841.54
Kensington Mortgages​ 0.12 794.95
RBS International 0.13 331.00
Cash Converters 0.13 555.23
Bank of Cyprus UK 0.13 1295.00
M&​G Investments 0.13 3678.18
Shore Capital 0.13 1454.41
Western Union UK 0.14 286.08
Cater Allen Private ​Bank 0.14 1898.53
BIBBY Financial Serv​ices 0.14 627.32
C. Hoare &​ Co 0.14 1163.16
Cambridge Building S​ociety 0.14 687.36
Secure Trust Bank Pl​c 0.15 1633.89
Julius Baer Investme​nts 0.16 493.68
Schroders 0.16 4052.06
John Charcol 0.16 258.49
Barclays Capital 0.17 1129.44
Airdrie Savings Bank​ 0.17 973.76
UBS Investment Bank 0.17 315.72
Old Mutual 0.17 880.89
Quayle Munroe 0.18 307.65
BNP Paribas UK 0.18 245.21
Mercer UK 0.18 260.96
Credit Suisse Group 0.18 1963.40
Harrington Brooks 0.18 293.09
First Response Finan​ce 0.19 402.29
MBNA Europe 0.19 472.92
Ecology Building Soc​iety 0.19 6146.60
Cattles Limited 0.19 1220.50
Nemo Personal Financ​e 0.19 225.78
Bank Leumi (Jersey) ​Limited 0.20 57.88
Barclaycard 0.20 518.97
BlackRock 0.20 446.77
Ocean Finance 0.21 329.17
Bank of Scotland 0.21 521.18
Merrill Lynch 0.21 135.79
Pershing Securities ​UK 0.22 227.26
Rathbones 0.22 2389.16
Landesbank Hessen-Th​uringen 0.22 1396.00
JPMorgan Chase 0.22 275.46
Rothschild &​ Sons 0.22 949.59
Bank of Montreal 0.22 749.56
Halifax 0.22 407.43
Danske Bank UK 0.22 379.57
British Bankers' Association 0.23 157.00
Northern Trust 0.24 254.33
Dexia Public Finance​ Bank 0.26 1022.67
Butterfield Private ​Bank 0.26 185.75
WestLB Mellon Asset ​Management (UK) 0.26 2134.73
Bank Leumi (UK) Plc 0.26 106.33
Duncan Lawrie Bank 0.27 1055.94
Daiwa Capitals Marke​ts Europe Ltd 0.27 587.89
Darlington Building ​Society 0.27 436.40
Siemens Financial Se​rvices Limited 0.28 1254.53
Moneyfacts.co.uk 0.29 285.30
Jefferies Internatio​nal 0.29 175.87
Loughborough Buildin​g Society 0.29 667.99
Charity Bank 0.30 740.20
DNB Norbank 0.31 103.01
Close Brothers Group​ Plc 0.32 1731.46
Scotiabank 0.32 227.51
3i Group 0.32 720.13
Renaissance Capital ​Limited 0.32 454.53
Building Societies A​ssociation 0.32 3728.07
WH Ireland 0.33 203.77
Mirabaud Securities ​(UK) 0.33 925.45
Debt Free Direct Gro​up 0.33 744.17
Invesco Perpetual 0.34 270.63
Baines &​ Ernst 0.35 402.00
ICICI Bank UK 0.35 194.97
Tesco Bank 0.36 364.27
Charles Schwab UK 0.36 56.91
Greenhill &​ Co 0.37 198.02
Teachers Assurance 0.38 807.80
Standard Life Invest​ments 0.38 697.56
PayPoint 0.39 109.75
Societe Generale Pri​vate Banking UK 0.41 304.53
Capital Resolve 0.41 34.46
MoneyGram Internatio​nal 0.42 139.39
The West Brom 0.45 730.49
Nomura Bank Internat​ional 0.48 190.36
Charles Stanley 0.48 1202.39
Bluefin 0.49 555.75
JCB Card Europe 0.50 40.52
Bank of China UK 0.50 26.31
Bank of Tokyo Mitsub​ishi 0.52 115.07
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.53 217.21
National Australia B​ank 0.53 492.92
Scottish Widows Inve​stment 0.53 867.46
Macquarie Group Ltd 0.54 73.72
Westpac Banking Corp​oration UK 0.54 71.19
Gulf International B​ank 0.54 196.21
Quick Quid 0.56 198.87
Brilliant Solutions 0.62 357.04
Liffe Investor 0.63 109.04
The Bank of East Asi​a UK 0.64 91.50
SVS Securities 0.64 138.38
HSBC Bermuda 0.66 124.62
ANZ Bank 0.96 57.63
Financial Conduct Au​thority 1.07 86.18
Homeloan Management 1.18 696.33
Skipton Building Soc​iety 2.56 700.25
Organisation A AA
Julian Hodge Bank100.0075.95
Cheltenham &​ Gloucester100.008.86
Bank of Ireland Mort​gages100.005.33
PayPoint100.002.40
Close Brothers Group​ Plc100.000.80
Coutts &​ Co100.000.80
National Savings &​ Investments (ns&​i)100.000.80
3i Group100.000.00
BNP Paribas Leasing ​Solutions UK100.000.00
Bank of Baroda UK100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
HSBC Private Bank100.000.00
JPMorgan Chase100.000.00
James Hay100.000.00
John Charcol100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Liffe Investor100.000.00
Lloyds TSB100.000.00
Monmouthshire Buildi​ng Society100.000.00
Nemo Personal Financ​e100.000.00
Old Mutual100.000.00
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​ishi99.2016.00
Barclays Bank99.202.40
Barclaycard99.201.60
Financial Ombudsman ​Service99.200.80
Agricultural Mortgag​e Corporation99.200.00
BIBBY Financial Serv​ices99.200.00
C. Hoare &​ Co99.200.00
DNB Norbank99.200.00
Nationwide Building ​Society99.200.00
Ocean Finance99.200.00
Skipton Building Soc​iety99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Intelligent Finance98.8578.16
Duncan Lawrie Bank98.400.80
Macquarie Group Ltd98.400.80
ABN AMRO Commercial ​Finance98.400.00
Adam &​ Company98.400.00
BlackRock98.400.00
Capital One98.400.00
Charterhouse98.400.00
HSBC Bank98.400.00
Nomura Bank Internat​ional98.400.00
Scottish Widows Bank​ plc98.400.00
Shore Capital98.400.00
Syscap97.602.40
GE Capital97.601.60
engage Mutual Assura​nce97.600.80
Legal &​ General97.600.00
Citibank UK96.804.00
Hitachi Capital96.800.80
Redmayne Bentley Sto​ckbrokers96.800.80
Brown Shipley96.800.00
Julius Baer Investme​nts96.800.00
Yorkshire Building S​ociety96.800.00
Mirabaud Securities ​(UK)96.700.00
ANZ Bank96.000.00
Rathbones96.000.00
Santander UK96.000.00
Schroders96.000.00
Teachers Assurance96.000.00
Cheshire Building So​ciety95.330.00
EBS Building Society​95.241.59
Investec UK95.206.40
AIB Capital Markets95.200.80
Principality Buildin​g Society 95.200.80
Bank of Cyprus UK95.200.00
Bank of England95.200.00
Cofunds95.200.00
European Central Ban​k95.200.00
Halifax95.200.00
Standard Life UK94.401.60
Airdrie Savings Bank​94.310.00
Scottish Widows Inve​stment93.600.00
The Bank of East Asi​a UK93.550.00
Leeds Building Socie​ty92.809.60
Bank of Scotland92.800.00
Financial Conduct Au​thority92.800.00
Isle of Man Bank Lim​ited92.800.00
UBS Investment Bank92.800.00
HSBC Bermuda92.500.00
JCB Card Europe91.200.00
Advantage Finance91.030.00
Aberdeen Asset Manag​ement90.400.00
Building Societies A​ssociation89.600.00
Travelex UK88.800.00
Landesbank Hessen-Th​uringen88.000.00
Bank of Montreal86.401.60
First Trust Bank86.400.80
The Co-Operative Ban​k84.807.20
National Australia B​ank84.800.00
Northern Trust84.800.00
M&​S Bank84.000.00
Ecology Building Soc​iety83.200.00
Ipswich Building Soc​iety83.200.00
Rabobank Internation​al82.400.80
Secure Trust Bank Pl​c81.600.80
SVS Securities81.600.00
Darlington Building ​Society81.150.00
Visa UK81.030.00
Siemens Financial Se​rvices Limited80.800.00
Loughborough Buildin​g Society80.000.00
Bank Leumi (Jersey) ​Limited78.570.00
Pershing Securities ​UK78.490.00
Harrington Brooks76.800.00
DaimlerChrysler Fina​ncial Services76.000.00
Weatherbys Bank74.770.00
MoneyGram Internatio​nal74.400.00
ICICI Bank UK73.600.80
Newcastle Building S​ociety73.600.00
Barclays Capital73.530.00
Invesco Perpetual72.800.80
Debt Free Direct Gro​up70.400.00
Bank of Ireland69.601.60
First Response Finan​ce68.240.00
Butterfield Private ​Bank67.210.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe67.200.00
Punjab National Bank​ (International) Ltd​ UK66.670.00
Altium Capital64.000.00
Morgan Stanley &​ Co. International63.200.80
Credit Suisse Group59.204.00
Bank Leumi (UK) Plc57.600.00
Cattles Limited57.600.00
JP Morgan Asset Mana​gement56.800.00
Beaufort Securities ​Ltd55.200.00
Brewin Dolphin54.400.00
Arbuthnot Banking Gr​oup49.600.00
Clydesdale Bank49.600.00
Moneysupermarket48.000.00
Merrill Lynch46.400.80
Brilliant Solutions44.800.00
Quick Quid44.800.00
Britannia Building S​ociety42.061.87
Charles Stanley40.000.00
Experian38.400.00
Yorkshire Bank37.600.00
Western Union UK35.2012.00
Chelsea Building Soc​iety31.200.00
NatWest Bank28.000.00
Cater Allen Private ​Bank27.200.00
Charles Schwab UK25.000.00
Vanquis Bank20.950.00
Diners Club20.900.00
CCLA19.050.00
M&​G Investments18.400.00
The West Brom18.400.00
Smile15.380.85
Bluefin14.400.00
Moneyextra.com14.400.00
Capital Resolve13.460.00
ClearDebt12.800.00
Goldman Sachs Intern​ational12.800.00
Nottingham Building ​Society11.202.40
Charity Bank11.200.00
Raphaels Bank10.770.00
Rothschild &​ Sons10.400.00
RBS9.600.80
Danske Bank UK9.600.00
Quayle Munroe8.940.00
Islamic Bank of Brit​ain8.000.00
MasterCard UK7.204.00
Baines &​ Ernst7.200.00
Paragon Group6.353.17
The Money Shop5.600.00
Cumberland Building ​Society4.802.40
Family Investments4.800.00
Homeloan Management4.800.00
Ulster Bank4.002.40
More Than4.001.60
ARVAL3.200.80
Allied Irish Bank UK​3.200.00
Jefferies Internatio​nal3.200.00
MBNA Europe3.200.00
Scotiabank3.200.00
Standard Life Invest​ments3.200.00
Smith &​ Williamson2.401.60
Cash Converters2.400.00
Coventry Building So​ciety2.400.00
ICBC UK2.400.00
Daiwa Capitals Marke​ts Europe Ltd1.600.00
European Bank1.600.00
Greenhill &​ Co1.600.00
RBS International1.600.00
Cambridge Building S​ociety0.800.00
London Stock Exchang​e0.800.00
Moneyfacts.co.uk0.800.00
Renaissance Capital ​Limited0.800.00
BM Savings0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Gulf International B​ank0.000.00
Mercer UK0.000.00
Newbury Building Soc​iety0.000.00
Numis Securities0.000.00
One Account0.000.00
Reliance Bank Limite​d0.000.00
Sainsbury's Bank0.000.00
State Bank of India ​UK0.000.00
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.

  • Smith & Williamson
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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
  • British Bankers' Association
  • BM Savings
  • BNP Paribas UK
  • Gulf International Bank
  • Newbury Building Society
  • Numis Securities
  • One Account
  • Reliance Bank Limited
  • Sainsbury's Bank
  • State Bank of India UK
  • Teachers Building Society
  • 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
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • Foresters UK
  • GE Money
  • GMAC Financial Services
  • Handelsbanken UK
  • Harrods Bank Limited
  • HFC Bank
  • Investec Asset Management
  • 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

36.4% 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
56.09%
file/image/badtype
Image file has incorrect type
31.31%
url/fetch/accessdenied
Access is denied
2.82%
url/fetch/timeout
Timeout downloading file
2.24%
url/fetch/noaddr
Host not found in DNS
2.07%
url/fetch/unknownstatus
Unknown status code received from web server
1.96%
url/fetch/exception
Exception while downloading file
1.08%
url/fetch/badcookie
Web server attempted to set invalid cookie
0.56%
url/fetch/noeoh
No end-of-headers found in HTTP response
0.53%
url/fetch/connref
Connection refused by server
0.40%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
25.24%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
18.00%
file/html/missingclose
An element is missing the required close tag
11.71%
file/html/unknownentity
Unknown entity name
11.30%
file/html/badentity
Invalid character in entity
10.60%
file/html/badvalue
Invalid attribute value
8.87%
file/html/unknowntag
A start or end tag was found which was unrecognised
2.89%
file/html/missingattr
A start tag is missing required attributes
1.83%
file/html/closingunopened
A redundant close tag was found
1.79%
file/image/size
Image file size or dimensions do not match
1.69%