2015 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    06 Feb 2015

  • Total URLs tested:

    258,082

  • Total tests run:

    84,260,878

  • Total number of PDF's:

    14,778

  • URLs failing functional tests:

    3.23%

  • Pages failing code standards:

    90.84%

  • Pages missing a title:

    4.90%

  • Pages failing accessibility level A:

    34.89%

  • Pages failing accessibility level AA:

    98.30%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 44,730 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 0.01 171.85
CCLA 0.01 3518.81
Shore Capital 0.01 2807.75
Yorkshire Bank 0.01 696.14
Barclays Bank 0.01 1671.26
Monmouthshire Buildi​ng Society 0.02 1264.41
Adam &​ Company 0.02 809.42
Coutts &​ Co 0.02 3499.85
Agricultural Mortgag​e Corporation 0.02 1208.54
Clydesdale Bank 0.02 642.41
Citibank UK 0.02 2701.05
The Money Shop 0.02 90.90
GE Capital 0.02 928.74
Financial Ombudsman ​Service 0.02 5805.82
Numis Securities 0.02 1464.42
Legal &​ General 0.02 941.20
Julian Hodge Bank 0.03 1095.51
HSBC Bank 0.03 263.07
Hitachi Capital 0.03 1478.48
Britannia Building S​ociety 0.03 365.59
Paragon Group 0.03 2742.26
Ocean Finance 0.04 624.41
Lloyds TSB 0.04 588.44
BM Savings 0.04 251.19
Scottish Widows Inve​stment 0.04 963.77
Bank of Ireland Mort​gages 0.04 1042.15
Chelsea Building Soc​iety 0.04 257.99
Scottish Widows Bank​ plc 0.04 923.36
Moneyextra.com 0.04 193.58
Diners Club 0.05 4328.96
Sainsbury's Bank 0.05 1082.36
Leeds Building Socie​ty 0.05 460.67
Moneysupermarket 0.05 353.29
Smile 0.05 1749.08
Arbuthnot Banking Gr​oup 0.05 756.04
The Co-Operative Ban​k 0.05 1761.04
More Than 0.05 998.53
Family Investments 0.05 2499.37
Ulster Bank 0.05 638.49
Redmayne Bentley Sto​ckbrokers 0.05 789.02
DaimlerChrysler Fina​ncial Services 0.05 1125.17
Morgan Stanley &​ Co. International 0.05 1621.97
RBS 0.05 738.48
NatWest Bank 0.05 778.38
Capital One 0.06 126.71
Newcastle Building S​ociety 0.06 1010.81
Visa UK 0.06 3079.50
Europe Arab Bank Plc​ 0.06 4651.24
ClearDebt 0.06 483.42
M&​S Bank 0.06 257.02
Cheltenham &​ Gloucester 0.06 988.81
Isle of Man Bank Lim​ited 0.06 683.79
Landesbank Berlin 0.06 1116.48
State Bank of India ​UK 0.06 2378.30
Coventry Building So​ciety 0.06 592.23
AIB Capital Markets 0.06 204.54
Yorkshire Building S​ociety 0.07 804.25
Beaufort Securities ​Ltd 0.07 3545.27
RBS International 0.07 396.38
Aberdeen Asset Manag​ement 0.07 973.33
Santander UK 0.07 133.72
C. Hoare &​ Co 0.07 1503.37
HSBC Private Bank 0.07 713.64
The West Brom 0.07 894.77
Smith &​ Williamson 0.07 4207.72
MasterCard UK 0.07 128.87
Close Premium Financ​e 0.08 924.84
Islamic Bank of Brit​ain 0.08 1450.00
M&​G Investments 0.08 1791.87
Dudley Building Soci​ety 0.08 1363.08
Experian 0.08 624.20
ARVAL 0.08 1115.39
JP Morgan Asset Mana​gement 0.08 1372.24
Cofunds 0.08 1330.50
EBS Building Society​ 0.08 1462.28
European Central Ban​k 0.08 2590.42
Nationwide Building ​Society 0.08 908.34
Teachers Building So​ciety 0.09 968.40
ABN AMRO Commercial ​Finance 0.09 365.44
Cater Allen Private ​Bank 0.09 3723.46
Allied Irish Bank UK​ 0.09 58.91
Goldman Sachs Intern​ational 0.09 441.38
Newbury Building Soc​iety 0.09 813.44
European Bank 0.09 258.64
Intelligent Finance 0.09 1016.60
London Stock Exchang​e 0.09 501.02
Bank of Ireland 0.09 345.81
Principality Buildin​g Society 0.09 1614.52
Altium Capital 0.09 2058.27
Skipton Building Soc​iety 0.10 1025.32
Nottingham Building ​Society 0.10 661.59
Brown Shipley 0.10 968.40
National Savings &​ Investments (ns&​i) 0.11 3159.53
ICBC UK 0.11 127.21
JPMorgan Chase 0.11 732.51
Cash Converters 0.12 890.82
Ipswich Building Soc​iety 0.12 954.10
Darlington Building ​Society 0.12 860.08
Barclays Capital 0.12 2228.23
Western Union UK 0.12 414.78
Bank of England 0.12 1588.97
BNP Paribas Leasing ​Solutions UK 0.12 142.18
Bank of Baroda UK 0.12 1670.94
Rabobank Internation​al 0.12 2610.53
Travelex UK 0.13 513.87
Kensington Mortgages​ 0.13 1101.04
James Hay 0.13 2996.87
BIBBY Financial Serv​ices 0.14 1499.15
Weatherbys Bank 0.14 673.85
Deutsche Bank UK 0.14 802.27
Cattles Limited 0.14 1206.11
Derbyshire Building ​Society 0.14 476.00
First Response Finan​ce 0.15 381.34
Vanquis Bank 0.15 1379.79
John Charcol 0.16 1483.25
Standard Life UK 0.17 1184.20
Cambridge Building S​ociety 0.17 1526.05
Financial Conduct Au​thority 0.17 210.52
Halifax 0.17 536.34
Bank of Scotland 0.17 704.78
Mercer UK 0.17 403.24
Rothschild &​ Sons 0.17 1365.92
BNP Paribas UK 0.18 267.38
Debt Free Direct Gro​up 0.18 1335.59
Investec UK 0.18 864.59
Cheshire Building So​ciety 0.18 444.39
Brewin Dolphin 0.18 644.71
Ecology Building Soc​iety 0.18 5791.59
Secure Trust Bank Pl​c 0.18 2312.88
WH Ireland 0.18 233.76
Danske Bank UK 0.18 413.84
Advantage Finance 0.19 1096.99
Syscap 0.21 1011.00
UBS Investment Bank 0.21 806.85
Moneyfacts.co.uk 0.21 344.96
Pershing Securities ​UK 0.22 247.21
engage Mutual Assura​nce 0.22 1464.47
Old Mutual 0.22 959.11
Airdrie Savings Bank​ 0.23 1269.40
Merrill Lynch 0.23 86.71
Schroders 0.23 3266.37
Bank of Cyprus UK 0.23 493.65
Northern Trust 0.23 325.33
MBNA Europe 0.23 124.26
Credit Suisse Group 0.24 399.24
Nemo Personal Financ​e 0.24 333.02
Bank Leumi (Jersey) ​Limited 0.25 52.58
Daiwa Capitals Marke​ts Europe Ltd 0.25 1207.34
Dexia Public Finance​ Bank 0.26 2401.12
Rathbones 0.26 2389.19
Loughborough Buildin​g Society 0.27 1172.17
Duncan Lawrie Bank 0.27 1557.92
Barclaycard 0.27 1023.28
Bank of Montreal 0.28 579.62
Bank Leumi (UK) Plc 0.28 113.83
Landesbank Hessen-Th​uringen 0.28 1170.98
WestLB Mellon Asset ​Management (UK) 0.29 3518.49
Liffe Investor 0.29 139.36
Jefferies Internatio​nal 0.29 234.66
Standard Chartered B​ank UK 0.30 701.90
3i Group 0.30 1378.87
Macquarie Group Ltd 0.30 134.78
Close Brothers Group​ Plc 0.31 1925.00
Teachers Assurance 0.32 1866.38
Cumberland Building ​Society 0.32 740.47
First Trust Bank 0.32 642.28
Mortgage Next 0.33 314.50
Harrington Brooks 0.33 1116.67
Mirabaud Securities ​(UK) 0.33 1354.10
Charity Bank 0.33 794.47
Renaissance Capital ​Limited 0.34 591.12
DNB Norbank 0.34 128.93
Butterfield Private ​Bank 0.34 181.41
Greenhill &​ Co 0.36 684.99
PayPoint 0.37 151.07
Charles Stanley 0.37 1665.34
ICICI Bank UK 0.39 321.29
Charles Schwab UK 0.39 64.03
Building Societies A​ssociation 0.40 2902.56
Standard Life Invest​ments 0.41 1025.84
Baines &​ Ernst 0.42 590.94
SVS Securities 0.42 192.44
Siemens Financial Se​rvices Limited 0.42 1994.86
Bluefin 0.44 559.73
Societe Generale Pri​vate Banking UK 0.44 552.28
Tesco Bank 0.45 656.15
Nomura Bank Internat​ional 0.46 193.75
Gulf International B​ank 0.47 309.86
JCB Card Europe 0.50 51.71
MoneyGram Internatio​nal 0.51 125.40
Bank of Tokyo Mitsub​ishi 0.52 84.69
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.53 222.82
Westpac Banking Corp​oration UK 0.54 96.29
British Bankers' Association 0.57 240.01
National Australia B​ank 0.58 450.75
Brilliant Solutions 0.60 472.16
The Bank of East Asi​a UK 0.61 110.18
HSBC Bermuda 0.66 149.29
Quick Quid 0.68 299.19
Invesco Perpetual 0.71 312.94
BlackRock 0.81 418.23
Bank of China UK 0.95 16.76
Homeloan Management 1.42 886.82
Organisation A AA
Julian Hodge Bank100.0076.47
Bank of Ireland Mort​gages100.005.63
Cheltenham &​ Gloucester100.005.26
Coutts &​ Co100.001.60
Kensington Mortgages​100.000.84
Cash Converters100.000.80
Nemo Personal Financ​e100.000.80
Teachers Assurance100.000.80
3i Group100.000.00
ABN AMRO Commercial ​Finance100.000.00
BM Savings100.000.00
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
Derbyshire Building ​Society100.000.00
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
Monmouthshire Buildi​ng Society100.000.00
National Savings &​ Investments (ns&​i)100.000.00
Old Mutual100.000.00
Shore Capital100.000.00
Standard Chartered B​ank UK100.000.00
Tesco Bank100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
engage Mutual Assura​nce100.000.00
John Charcol99.2023.20
Credit Suisse Group99.2011.20
Barclays Bank99.203.20
Cumberland Building ​Society99.202.40
Ocean Finance99.201.60
Financial Ombudsman ​Service99.200.80
Agricultural Mortgag​e Corporation99.200.00
C. Hoare &​ Co99.200.00
Family Investments99.200.00
HSBC Bank99.200.00
Legal &​ General99.200.00
Societe Generale Pri​vate Banking UK99.200.00
UBS Investment Bank99.200.00
Vanquis Bank98.910.00
Bank of Tokyo Mitsub​ishi98.4019.20
PayPoint98.400.80
Adam &​ Company98.400.00
BNP Paribas UK98.400.00
Capital One98.400.00
Morgan Stanley &​ Co. International98.400.00
Intelligent Finance97.7577.53
Duncan Lawrie Bank97.6032.00
BIBBY Financial Serv​ices97.600.80
Brown Shipley97.600.00
Skipton Building Soc​iety97.600.00
Principality Buildin​g Society 96.801.60
Citibank UK96.800.80
Lloyds TSB96.800.00
Nomura Bank Internat​ional96.800.00
Standard Life UK96.800.00
Syscap96.800.00
Yorkshire Building S​ociety96.800.00
James Hay96.430.00
Macquarie Group Ltd96.301.85
Visa UK96.150.00
GE Capital96.0020.80
Investec UK96.004.00
AIB Capital Markets96.000.80
Scottish Widows Inve​stment96.000.80
Aberdeen Asset Manag​ement96.000.00
Mirabaud Securities ​(UK)95.650.00
Leeds Building Socie​ty95.2010.40
Redmayne Bentley Sto​ckbrokers95.200.80
Bank of Cyprus UK95.200.00
Airdrie Savings Bank​94.400.00
Schroders94.400.00
Secure Trust Bank Pl​c94.400.00
Travelex UK94.400.00
Bank of Scotland93.600.00
Santander UK93.600.00
The Bank of East Asi​a UK93.550.00
European Central Ban​k92.800.00
HSBC Bermuda92.660.00
Scottish Widows Bank​ plc92.000.80
Financial Conduct Au​thority92.000.00
Halifax92.000.00
Barclaycard91.204.80
Landesbank Hessen-Th​uringen91.200.00
Advantage Finance91.030.00
JPMorgan Chase90.400.00
Rathbones89.600.80
Building Societies A​ssociation89.600.00
Clydesdale Bank89.600.00
SVS Securities88.800.00
EBS Building Society​88.792.80
Bank of England88.000.00
Yorkshire Bank88.000.00
The Co-Operative Ban​k87.207.20
Nationwide Building ​Society86.400.80
Northern Trust84.800.00
Siemens Financial Se​rvices Limited84.800.00
Darlington Building ​Society84.150.00
First Trust Bank84.001.60
Loughborough Buildin​g Society84.000.00
National Australia B​ank84.000.00
Invesco Perpetual83.200.00
Isle of Man Bank Lim​ited82.400.00
M&​S Bank82.400.00
Bank Leumi (Jersey) ​Limited81.480.00
Cofunds80.800.00
DaimlerChrysler Fina​ncial Services80.800.00
Quick Quid80.000.00
Altium Capital79.200.00
Barclays Capital78.120.00
Pershing Securities ​UK77.660.00
Greenhill &​ Co77.600.00
JCB Card Europe77.600.00
Rabobank Internation​al77.600.00
Harrington Brooks76.000.00
Debt Free Direct Gro​up73.600.80
Ecology Building Soc​iety73.600.00
Weatherbys Bank72.900.00
First Response Finan​ce72.830.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe71.200.00
Bank of Montreal70.405.60
Butterfield Private ​Bank65.250.00
JP Morgan Asset Mana​gement60.000.00
Bank Leumi (UK) Plc58.400.00
Moneysupermarket57.600.00
Newcastle Building S​ociety57.600.00
Beaufort Securities ​Ltd56.800.00
Cattles Limited56.000.00
Charles Schwab UK54.400.00
Arbuthnot Banking Gr​oup49.600.00
MoneyGram Internatio​nal48.800.00
Brewin Dolphin47.200.00
Merrill Lynch46.400.80
Mortgage Next45.450.00
Brilliant Solutions43.200.00
Hitachi Capital42.400.00
Britannia Building S​ociety41.443.60
Western Union UK37.6016.80
Chelsea Building Soc​iety31.200.00
Cater Allen Private ​Bank30.400.00
Charles Stanley30.400.00
Goldman Sachs Intern​ational27.200.00
M&​G Investments25.600.00
Diners Club24.320.00
NatWest Bank24.000.00
RBS22.400.00
Moneyextra.com18.400.00
The West Brom18.400.00
ICICI Bank UK17.600.00
Nottingham Building ​Society16.801.60
CCLA16.390.00
Smile15.041.77
Danske Bank UK14.402.40
Bluefin13.600.00
Close Premium Financ​e11.760.00
Rothschild &​ Sons11.200.00
Experian9.600.80
MasterCard UK8.804.00
Paragon Group7.292.08
More Than6.402.40
Baines &​ Ernst6.400.00
Jefferies Internatio​nal5.600.00
ClearDebt4.803.20
Ulster Bank4.803.20
MBNA Europe4.800.00
Gulf International B​ank4.480.00
The Money Shop4.000.00
Allied Irish Bank UK​3.200.00
Moneyfacts.co.uk3.200.00
Smith &​ Williamson2.401.60
Standard Life Invest​ments2.400.00
ARVAL1.600.80
Homeloan Management1.600.00
ICBC UK1.600.00
Mercer UK1.600.00
RBS International1.600.00
Renaissance Capital ​Limited1.600.00
Bank of Ireland1.200.00
European Bank0.800.80
Cambridge Building S​ociety0.800.00
Charity Bank0.800.00
Coventry Building So​ciety0.800.00
London Stock Exchang​e0.800.00
Numis Securities0.800.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
Daiwa Capitals Marke​ts Europe Ltd0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Ipswich Building Soc​iety0.000.00
Islamic Bank of Brit​ain0.000.00
Newbury Building Soc​iety0.000.00
One Account0.000.00
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.

  • Landesbank Berlin
  • The Money Shop
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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
  • Ipswich Building Society
  • Islamic Bank of Britain
  • Newbury Building Society
  • One Account
  • 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
  • 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
  • Mortgages plc
  • Mortgage Trust
  • Punjab National Bank (International) Ltd UK
  • Raphaels Bank
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
  • Commerzbank UK
  • The Loans Engine
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PDF testing

37.3% 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
45.37%
file/image/badtype
Image file has incorrect type
37.64%
url/fetch/unknownstatus
Unknown status code received from web server
4.62%
url/fetch/timeout
Timeout downloading file
3.64%
url/fetch/noaddr
Host not found in DNS
2.54%
url/fetch/accessdenied
Access is denied
2.37%
url/fetch/exception
Exception while downloading file
1.06%
url/fetch/badcookie
Web server attempted to set invalid cookie
0.93%
url/fetch/badscheme
URL scheme was unrecognised
0.43%
url/fetch/noeoh
No end-of-headers found in HTTP response
0.39%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
25.31%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
18.42%
file/html/unknownentity
Unknown entity name
10.73%
file/html/missingclose
An element is missing the required close tag
10.64%
file/html/badentity
Invalid character in entity
9.67%
file/html/badvalue
Invalid attribute value
8.21%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.70%
file/html/unknownid
Fragment identifier not found
2.74%
file/html/closingunopened
A redundant close tag was found
1.86%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.74%