2014 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    09 Nov 2014

  • Total URLs tested:

    273,999

  • Total tests run:

    89,458,005

  • Total number of PDF's:

    15,705

  • URLs failing functional tests:

    3.41%

  • Pages failing code standards:

    90.60%

  • Pages missing a title:

    4.30%

  • Pages failing accessibility level A:

    37.01%

  • Pages failing accessibility level AA:

    98.38%

  • Poorest code quality:

    MasterCard UK (http://www.mastercard.co.uk/) - 44,524 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 0.01 155.87
Shore Capital 0.01 2458.91
CCLA 0.01 3727.39
Citibank UK 0.01 2757.63
European Bank 0.01 2603.99
National Savings &​ Investments (ns&​i) 0.01 934.54
Clydesdale Bank 0.02 790.73
Barclays Bank 0.02 1353.52
Adam &​ Company 0.02 734.09
Monmouthshire Buildi​ng Society 0.02 1322.16
Coutts &​ Co 0.02 4125.86
Julian Hodge Bank 0.02 1119.96
GE Capital 0.02 999.25
Agricultural Mortgag​e Corporation 0.02 1101.38
ICBC UK 0.02 348.04
Yorkshire Bank 0.02 922.03
Punjab National Bank​ (International) Ltd​ UK 0.02 995.69
The Money Shop 0.03 107.52
Legal &​ General 0.03 838.94
Hitachi Capital 0.03 840.49
HSBC Bank 0.03 257.76
Britannia Building S​ociety 0.03 415.12
Visa UK 0.04 2567.27
ClearDebt 0.04 360.67
More Than 0.04 1235.85
Reliance Bank Limite​d 0.04 1037.00
BM Savings 0.04 306.12
Leeds Building Socie​ty 0.04 453.06
Lloyds TSB 0.04 631.45
Numis Securities 0.04 748.52
Vanquis Bank 0.04 1512.25
Sainsbury's Bank 0.04 1032.86
Arbuthnot Banking Gr​oup 0.05 799.91
Travelex UK 0.05 524.19
Scottish Widows Bank​ plc 0.05 399.64
Chelsea Building Soc​iety 0.05 271.35
Goldman Sachs Intern​ational 0.05 4751.57
Financial Ombudsman ​Service 0.05 2601.30
Quayle Munroe 0.05 178.61
AIB Capital Markets 0.05 191.57
Europe Arab Bank Plc​ 0.05 5401.25
Newcastle Building S​ociety 0.05 1255.05
Family Investments 0.05 1138.65
Ocean Finance 0.05 389.46
Bank of Ireland Mort​gages 0.05 814.63
Ulster Bank 0.05 622.34
Landesbank Berlin 0.05 1440.44
Charterhouse 0.05 529.26
Moneysupermarket 0.05 125.80
HSBC Private Bank 0.06 596.86
DaimlerChrysler Fina​ncial Services 0.06 1199.24
Diners Club 0.06 3500.53
Allied Irish Bank UK​ 0.06 36.43
C. Hoare &​ Co 0.06 1621.22
Coventry Building So​ciety 0.06 467.90
Capital One 0.06 145.20
M&​S Bank 0.06 624.64
NatWest Bank 0.06 1108.13
Isle of Man Bank Lim​ited 0.06 606.09
State Bank of India ​UK 0.06 1686.73
RBS International 0.06 388.47
Brown Shipley 0.06 595.92
Cheltenham &​ Gloucester 0.06 1028.73
RBS 0.06 502.47
Beaufort Securities ​Ltd 0.06 2700.69
First Trust Bank 0.06 49.19
Standard Life UK 0.07 384.25
Smile 0.07 1029.93
Yorkshire Building S​ociety 0.07 725.18
Redmayne Bentley Sto​ckbrokers 0.07 711.45
Secure Trust Bank Pl​c 0.07 620.64
Dudley Building Soci​ety 0.07 986.26
JP Morgan Asset Mana​gement 0.07 1873.31
Smith &​ Williamson 0.08 1968.70
Paragon Group 0.08 471.02
Aberdeen Asset Manag​ement 0.08 632.83
BNP Paribas Leasing ​Solutions UK 0.08 185.91
Teachers Building So​ciety 0.09 903.20
London Stock Exchang​e 0.09 441.56
Cofunds 0.09 1241.73
Newbury Building Soc​iety 0.09 740.32
Bank of Ireland 0.09 604.03
Nottingham Building ​Society 0.09 385.99
Welcome Finance 0.09 448.28
MasterCard UK 0.09 106.85
Islamic Bank of Brit​ain 0.09 1138.07
Morgan Stanley &​ Co. International 0.09 673.49
M&​G Investments 0.09 2463.73
Rabobank Internation​al 0.10 2459.01
Intelligent Finance 0.10 1066.77
ARVAL 0.10 1067.51
Altium Capital 0.10 1547.41
Experian 0.10 463.20
Cater Allen Private ​Bank 0.10 2686.13
BIBBY Financial Serv​ices 0.11 1370.32
Advantage Finance 0.11 896.46
Scotiabank 0.11 686.78
JPMorgan Chase 0.12 767.45
The Co-Operative Ban​k 0.12 690.46
Nationwide Building ​Society 0.12 1312.97
Skipton Building Soc​iety 0.12 952.71
James Hay 0.12 3430.71
Bank of England 0.13 2319.58
Principality Buildin​g Society 0.13 1690.79
UBS Investment Bank 0.13 774.57
Cattles Limited 0.14 1038.25
First Response Finan​ce 0.14 415.56
Deutsche Bank UK 0.14 674.25
ABN AMRO Commercial ​Finance 0.14 277.01
European Central Ban​k 0.14 3620.12
Moneyextra.com 0.14 182.36
Cambridge Building S​ociety 0.14 866.76
Santander UK 0.14 175.94
Mercer UK 0.15 600.09
Ipswich Building Soc​iety 0.15 779.26
Western Union UK 0.15 377.85
Cheshire Building So​ciety 0.15 463.18
Schroders 0.15 4117.55
Kensington Mortgages​ 0.15 942.75
Standard Chartered B​ank UK 0.16 741.52
Barclays Capital 0.16 1013.34
John Charcol 0.16 391.98
Bank of Scotland 0.17 732.67
Brewin Dolphin 0.17 698.74
Cumberland Building ​Society 0.17 637.55
Rothschild &​ Sons 0.17 1123.63
Weatherbys Bank 0.17 537.49
Debt Free Direct Gro​up 0.18 1360.73
Halifax 0.18 600.72
Moneyfacts.co.uk 0.18 332.62
Julius Baer Investme​nts 0.18 447.68
Ecology Building Soc​iety 0.19 5475.64
Cash Converters 0.19 491.70
Airdrie Savings Bank​ 0.20 1274.99
engage Mutual Assura​nce 0.20 1507.26
Investec UK 0.20 1036.53
Darlington Building ​Society 0.20 177.70
Pershing Securities ​UK 0.20 253.70
WH Ireland 0.20 314.47
Financial Conduct Au​thority 0.20 139.47
MBNA Europe 0.21 204.77
Danske Bank UK 0.21 324.66
Merrill Lynch 0.21 160.99
Bank of Cyprus UK 0.21 2850.90
BNP Paribas UK 0.22 337.85
Barclaycard 0.22 1503.93
Credit Suisse Group 0.22 453.01
Nemo Personal Financ​e 0.23 300.88
Northern Trust 0.23 332.75
PayPoint 0.24 147.46
Rathbones 0.25 2211.64
Old Mutual 0.25 975.33
Duncan Lawrie Bank 0.26 1454.73
Syscap 0.26 311.92
Butterfield Private ​Bank 0.27 193.81
Societe Generale Pri​vate Banking UK 0.27 395.04
3i Group 0.27 1406.01
Landesbank Hessen-Th​uringen 0.27 1286.76
Mirabaud Securities ​(UK) 0.28 1028.03
Building Societies A​ssociation 0.28 3437.99
Jefferies Internatio​nal 0.29 184.30
Dexia Public Finance​ Bank 0.29 2056.02
Bank of Montreal 0.30 1148.95
Tesco Bank 0.30 640.49
WestLB Mellon Asset ​Management (UK) 0.31 3279.10
ICICI Bank UK 0.31 178.07
Renaissance Capital ​Limited 0.32 536.77
Charity Bank 0.32 728.25
Loughborough Buildin​g Society 0.33 930.59
DNB Norbank 0.33 96.57
Standard Life Invest​ments 0.33 792.56
Bank of Baroda UK 0.33 1767.36
Siemens Financial Se​rvices Limited 0.33 397.88
Harrington Brooks 0.34 352.52
Bank Leumi (Jersey) ​Limited 0.35 55.32
Invesco Perpetual 0.35 178.73
Baines &​ Ernst 0.35 552.96
Charles Stanley 0.37 1473.26
Close Brothers Group​ Plc 0.38 2418.61
Bluefin 0.39 580.71
British Bankers' Association 0.40 255.65
Teachers Assurance 0.40 1686.87
Greenhill &​ Co 0.40 192.77
Charles Schwab UK 0.40 69.71
Bank Leumi (UK) Plc 0.42 91.87
Daiwa Capitals Marke​ts Europe Ltd 0.42 1014.17
MoneyGram Internatio​nal 0.44 141.58
Bank of Tokyo Mitsub​ishi 0.46 121.00
Nomura Bank Internat​ional 0.46 214.41
Gulf International B​ank 0.48 247.75
Macquarie Group Ltd 0.48 96.65
JCB Card Europe 0.51 49.37
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.52 219.91
Scottish Widows Inve​stment 0.52 1404.94
Westpac Banking Corp​oration UK 0.53 94.68
National Australia B​ank 0.53 626.63
Bank of China UK 0.60 24.68
Brilliant Solutions 0.61 360.11
The Bank of East Asi​a UK 0.61 101.53
HSBC Bermuda 0.62 188.38
Quick Quid 0.65 277.31
Liffe Investor 0.69 118.06
The West Brom 0.84 1020.25
ANZ Bank 0.91 58.55
BlackRock 0.93 309.84
SVS Securities 1.03 156.27
Homeloan Management 1.41 819.29
Organisation A AA
Julian Hodge Bank100.0075.31
Bank of Ireland Mort​gages100.005.71
Cheltenham &​ Gloucester100.005.41
Coutts &​ Co100.001.60
Kensington Mortgages​100.000.80
National Savings &​ Investments (ns&​i)100.000.80
Ocean Finance100.000.80
Teachers Assurance100.000.80
3i Group100.000.00
ABN AMRO Commercial ​Finance100.000.00
BNP Paribas Leasing ​Solutions UK100.000.00
Bank of Baroda UK100.000.00
BlackRock100.000.00
Cheshire Building So​ciety100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
HSBC Private Bank100.000.00
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
Shore Capital100.000.00
Standard Chartered B​ank UK100.000.00
Tesco Bank100.000.00
Visa UK100.000.00
Welcome Finance100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
engage Mutual Assura​nce100.000.00
John Charcol99.2040.00
Credit Suisse Group99.2011.20
Cumberland Building ​Society99.208.80
Barclays Bank99.203.20
Agricultural Mortgag​e Corporation99.200.00
C. Hoare &​ Co99.200.00
Family Investments99.200.00
Scottish Widows Bank​ plc99.200.00
Skipton Building Soc​iety99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Intelligent Finance98.8877.53
Duncan Lawrie Bank98.4028.80
Bank of Tokyo Mitsub​ishi98.4016.00
Financial Ombudsman ​Service98.400.80
Macquarie Group Ltd98.400.80
PayPoint98.400.80
Adam &​ Company98.400.00
Capital One98.400.00
Legal &​ General98.400.00
Investec UK97.604.00
BIBBY Financial Serv​ices97.600.80
Brown Shipley97.600.00
Leeds Building Socie​ty96.8012.00
AIB Capital Markets96.800.80
Citibank UK96.800.80
Julius Baer Investme​nts96.800.00
Syscap96.800.00
Yorkshire Building S​ociety96.800.00
James Hay96.510.00
GE Capital96.231.89
Principality Buildin​g Society 96.000.80
Redmayne Bentley Sto​ckbrokers96.000.80
ANZ Bank96.000.00
Aberdeen Asset Manag​ement96.000.00
BNP Paribas UK96.000.00
Charterhouse96.000.00
Nomura Bank Internat​ional96.000.00
Standard Life UK95.200.80
Bank of Cyprus UK95.200.00
JPMorgan Chase95.200.00
HSBC Bank94.400.00
Santander UK94.400.00
Airdrie Savings Bank​94.350.00
HSBC Bermuda93.650.00
Rathbones93.600.80
Bank of England93.600.00
Schroders93.600.00
Mirabaud Securities ​(UK)93.550.00
The Bank of East Asi​a UK93.550.00
Bank of Scotland92.800.00
Financial Conduct Au​thority92.800.00
Halifax92.800.00
Travelex UK92.800.00
UBS Investment Bank92.800.00
Barclaycard92.004.80
Landesbank Hessen-Th​uringen91.200.00
Advantage Finance91.030.00
Building Societies A​ssociation90.400.00
European Central Ban​k90.400.00
JCB Card Europe90.400.00
SVS Securities90.400.00
National Australia B​ank88.000.00
Nationwide Building ​Society86.401.60
Scottish Widows Inve​stment85.600.00
Northern Trust84.800.00
Darlington Building ​Society83.910.00
Rabobank Internation​al83.200.80
Cofunds83.200.00
Loughborough Buildin​g Society83.200.00
M&​S Bank81.600.00
Quick Quid81.600.00
First Trust Bank80.800.80
Isle of Man Bank Lim​ited80.800.00
Siemens Financial Se​rvices Limited80.000.00
Invesco Perpetual79.200.80
Bank of Montreal78.404.00
Ecology Building Soc​iety78.400.00
Pershing Securities ​UK77.660.00
Bank Leumi (Jersey) ​Limited77.190.00
DaimlerChrysler Fina​ncial Services76.800.00
Weatherbys Bank76.640.00
The Co-Operative Ban​k75.2010.40
Altium Capital75.200.00
Barclays Capital73.610.00
Debt Free Direct Gro​up72.800.80
Newcastle Building S​ociety72.800.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe71.200.00
First Response Finan​ce71.110.00
Bank of Ireland69.601.60
Butterfield Private ​Bank68.000.00
Punjab National Bank​ (International) Ltd​ UK66.670.00
Scotiabank60.800.00
ICICI Bank UK60.000.80
Bank Leumi (UK) Plc60.000.00
JP Morgan Asset Mana​gement60.000.00
Beaufort Securities ​Ltd58.400.00
Morgan Stanley &​ Co. International56.800.80
Cattles Limited56.800.00
Moneysupermarket56.800.00
Harrington Brooks56.000.00
Brewin Dolphin55.200.00
MoneyGram Internatio​nal50.400.00
Arbuthnot Banking Gr​oup49.600.00
Charles Schwab UK49.600.00
Brilliant Solutions48.800.00
Clydesdale Bank47.200.00
Merrill Lynch46.400.80
Hitachi Capital42.400.00
Britannia Building S​ociety42.061.87
Western Union UK40.0016.80
Yorkshire Bank38.400.00
Charles Stanley37.600.00
Cater Allen Private ​Bank36.800.00
Secure Trust Bank Pl​c35.291.18
Chelsea Building Soc​iety33.600.00
Experian28.000.00
NatWest Bank27.200.00
Diners Club24.660.00
The West Brom20.800.00
M&​G Investments19.200.00
CCLA17.740.00
Bluefin15.200.00
Goldman Sachs Intern​ational15.200.00
Moneyextra.com15.200.00
Smile14.950.93
Danske Bank UK13.602.40
Nottingham Building ​Society13.601.60
Rothschild &​ Sons10.400.00
Baines &​ Ernst9.600.00
MasterCard UK8.804.00
RBS7.200.80
ClearDebt6.400.00
Jefferies Internatio​nal6.400.00
The Money Shop6.400.00
MBNA Europe5.600.00
More Than4.802.40
Allied Irish Bank UK​4.800.80
Homeloan Management4.800.00
Paragon Group4.762.38
Ulster Bank4.002.40
ARVAL3.200.80
Charity Bank3.200.00
Coventry Building So​ciety3.200.00
ICBC UK2.400.00
Standard Life Invest​ments2.400.00
Smith &​ Williamson1.601.60
European Bank1.600.00
Greenhill &​ Co1.600.00
RBS International1.600.00
Renaissance Capital ​Limited1.600.00
Vanquis Bank1.180.00
Cambridge Building S​ociety0.800.00
London Stock Exchang​e0.800.00
Moneyfacts.co.uk0.800.00
BM Savings0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
Cash Converters0.000.00
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
Ipswich Building Soc​iety0.000.00
Islamic Bank of Brit​ain0.000.00
Mercer UK0.000.00
Newbury Building Soc​iety0.000.00
Numis Securities0.000.00
One Account0.000.00
Quayle Munroe0.000.00
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.

  • Julius Baer Investments
  • Landesbank Berlin
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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
  • Cash Converters
  • Gulf International Bank
  • Ipswich Building Society
  • Islamic Bank of Britain
  • Newbury Building Society
  • Numis Securities
  • One Account
  • Quayle Munroe
  • Reliance Bank Limited
  • Sainsbury's Bank
  • State Bank of India UK
  • 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
  • Capital Resolve
  • 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
  • Investec Asset Management
  • LeasePlan UK
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • Raphaels Bank
  • 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

33.2% 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
60.80%
file/image/badtype
Image file has incorrect type
23.52%
url/fetch/timeout
Timeout downloading file
4.70%
url/fetch/unknownstatus
Unknown status code received from web server
2.53%
url/fetch/accessdenied
Access is denied
2.34%
url/fetch/noaddr
Host not found in DNS
1.98%
url/fetch/exception
Exception while downloading file
1.43%
url/fetch/badcookie
Web server attempted to set invalid cookie
1.06%
url/fetch/noeoh
No end-of-headers found in HTTP response
0.42%
url/fetch/badscheme
URL scheme was unrecognised
0.37%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
23.69%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
18.92%
file/html/unknownentity
Unknown entity name
11.87%
file/html/badentity
Invalid character in entity
11.49%
file/html/missingclose
An element is missing the required close tag
11.11%
file/html/badvalue
Invalid attribute value
8.22%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.31%
file/html/missingattr
A start tag is missing required attributes
1.79%
file/html/closingunopened
A redundant close tag was found
1.78%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.61%