2015 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    15 May 2015

  • Total URLs tested:

    264,483

  • Total tests run:

    86,327,969

  • Total number of PDF's:

    14,269

  • URLs failing functional tests:

    3.74%

  • Pages failing code standards:

    91.32%

  • Pages missing a title:

    4.47%

  • Pages failing accessibility level A:

    35.42%

  • Pages failing accessibility level AA:

    98.05%

  • Poorest code quality:

    Santander UK (http://www.santander.co.uk/) - 51,945 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 0.01 162.57
Monmouthshire Buildi​ng Society 0.02 1037.08
Yorkshire Bank 0.02 629.81
Citibank UK 0.02 2638.49
Clydesdale Bank 0.02 621.72
Adam &​ Company 0.02 1262.01
Financial Ombudsman ​Service 0.02 5844.98
Coutts &​ Co 0.02 2709.00
GE Capital 0.03 1174.10
More Than 0.03 1124.56
Legal &​ General 0.03 1102.34
Julian Hodge Bank 0.03 1063.97
TSB Bank Plc 0.03 3271.09
Barclays Capital 0.03 3717.19
Shore Capital 0.03 1542.70
Moneyextra.com 0.03 280.66
Leeds Building Socie​ty 0.03 1256.98
Lloyds Bank Plc 0.03 651.39
Hitachi Capital 0.04 2202.79
Smile 0.04 1672.72
Numis Securities 0.04 1074.94
HSBC Bank 0.04 446.16
Britannia Building S​ociety 0.04 334.94
Agricultural Mortgag​e Corporation 0.04 974.28
European Bank 0.04 230.73
Redmayne Bentley Sto​ckbrokers 0.04 907.50
BM Savings 0.04 201.60
Chelsea Building Soc​iety 0.05 228.00
Scottish Widows Inve​stment 0.05 873.01
Ocean Finance 0.05 666.38
Halifax 0.05 306.53
Diners Club 0.05 4355.90
Scottish Widows Bank​ plc 0.05 725.90
Bank of Baroda UK 0.05 1667.63
WestLB Mellon Asset ​Management (UK) 0.05 3862.55
Sainsbury's Bank 0.05 988.95
Europe Arab Bank Plc​ 0.05 4060.59
Newcastle Building S​ociety 0.05 1152.34
Arbuthnot Banking Gr​oup 0.05 705.60
NatWest Bank 0.05 716.27
AIB Capital Markets 0.06 225.88
Bank of Ireland Mort​gages 0.06 762.95
Capital One 0.06 112.70
M&​S Bank 0.06 316.20
Visa UK 0.06 1023.03
Morgan Stanley &​ Co. International 0.06 1322.19
Isle of Man Bank Lim​ited 0.06 521.44
HSBC Private Bank 0.06 439.65
Newbury Building Soc​iety 0.06 889.67
RBS 0.06 639.84
Ulster Bank 0.06 579.69
Landesbank Berlin 0.06 502.39
The Co-Operative Ban​k 0.07 1337.76
PayPoint 0.07 768.04
RBS International 0.07 405.61
ClearDebt 0.07 383.68
Close Premium Financ​e 0.07 714.53
DaimlerChrysler Fina​ncial Services 0.07 1298.03
Family Investments 0.07 1289.59
Cheltenham &​ Gloucester 0.08 871.49
Dudley Building Soci​ety 0.08 1760.72
Yorkshire Building S​ociety 0.08 663.52
BNP Paribas Leasing ​Solutions UK 0.08 123.70
ARVAL 0.08 824.47
Smith &​ Williamson 0.08 1914.59
Moneysupermarket 0.08 271.39
National Savings &​ Investments (ns&​i) 0.08 2727.91
The Loans Engine 0.08 1161.54
State Bank of India ​UK 0.08 2400.93
The West Brom 0.08 805.33
Altium Capital 0.09 2077.72
JP Morgan Asset Mana​gement 0.09 1243.73
Cofunds 0.09 1013.98
Travelex UK 0.09 473.46
James Hay 0.09 4934.02
Ipswich Building Soc​iety 0.09 1416.26
Nottingham Building ​Society 0.09 651.64
Barclays Bank 0.09 1103.82
Coventry Building So​ciety 0.09 511.22
Skipton Building Soc​iety 0.09 885.61
Santander UK 0.10 122.94
MasterCard UK 0.10 112.92
London Stock Exchang​e 0.10 428.51
Nationwide Building ​Society 0.10 1116.50
Principality Buildin​g Society 0.10 1303.26
Teachers Building So​ciety 0.11 1098.40
JPMorgan Chase 0.11 1319.32
C. Hoare &​ Co 0.11 1381.76
Advantage Finance 0.11 1080.37
Intelligent Finance 0.11 850.51
Kensington Mortgages​ 0.11 1334.26
Experian 0.11 579.24
Nemo Personal Financ​e 0.11 247.05
Cattles Limited 0.12 1259.34
Bank of England 0.13 2430.16
Cash Converters 0.14 451.09
Vanquis Bank 0.14 1268.39
Bank of Scotland 0.14 634.81
Goldman Sachs Intern​ational 0.15 2017.29
CCLA 0.15 928.67
First Trust Bank 0.15 740.34
Commerzbank UK 0.15 1891.30
Standard Life UK 0.15 918.43
Deutsche Bank UK 0.15 654.93
Western Union UK 0.15 201.95
Cheshire Building So​ciety 0.16 404.38
Standard Chartered B​ank UK 0.16 2128.88
Bank of Ireland 0.16 286.10
Darlington Building ​Society 0.16 170.25
Paragon Group 0.17 608.03
ICBC UK 0.17 233.74
Mercer UK 0.17 456.71
BNP Paribas UK 0.18 282.65
Ecology Building Soc​iety 0.19 5730.66
Danske Bank UK 0.19 459.54
Schroders 0.19 3290.78
Investec UK 0.19 1296.82
Credit Suisse Group 0.19 350.53
Bank of Montreal 0.19 916.52
Landesbank Hessen-Th​uringen 0.19 958.90
Secure Trust Bank Pl​c 0.20 2038.58
Brewin Dolphin 0.20 487.83
M&​G Investments 0.20 1889.65
WH Ireland 0.20 307.77
Pershing Securities ​UK 0.21 301.19
Building Societies A​ssociation 0.21 1300.32
Debt Free Direct Gro​up 0.21 1317.46
Syscap 0.21 788.92
engage Mutual Assura​nce 0.21 1520.25
Moneyfacts.co.uk 0.22 246.42
MBNA Europe 0.22 82.32
Barclaycard 0.22 1080.22
Brown Shipley 0.22 646.57
Bank Leumi (UK) Plc 0.23 142.41
European Central Ban​k 0.23 2603.14
ABN AMRO Commercial ​Finance 0.23 703.25
First Response Finan​ce 0.24 453.62
Islamic Bank of Brit​ain 0.24 1506.73
Rothschild &​ Sons 0.24 1271.28
Northern Trust 0.24 298.23
Financial Conduct Au​thority 0.25 137.10
Old Mutual 0.25 862.20
DNB Norbank 0.26 120.54
Dexia Public Finance​ Bank 0.27 2458.29
UBS Investment Bank 0.27 759.75
Jefferies Internatio​nal 0.27 248.63
Bank of Cyprus UK 0.27 492.78
Societe Generale Pri​vate Banking UK 0.27 551.11
Rathbones 0.28 1123.47
Daiwa Capitals Marke​ts Europe Ltd 0.28 843.42
Baines &​ Ernst 0.28 928.16
Airdrie Savings Bank​ 0.28 717.86
Macquarie Group Ltd 0.28 808.29
John Charcol 0.30 651.19
Weatherbys Bank 0.30 668.10
Butterfield Private ​Bank 0.30 194.70
Charles Stanley 0.31 1072.54
Tesco Bank 0.31 569.49
BIBBY Financial Serv​ices 0.31 1037.29
Merrill Lynch 0.32 606.02
Liffe Investor 0.33 196.99
ICICI Bank UK 0.34 359.91
Cumberland Building ​Society 0.34 720.29
Teachers Assurance 0.35 1908.17
BlackRock 0.36 424.12
Charles Schwab UK 0.37 75.53
Harrington Brooks 0.38 289.01
Charity Bank 0.38 615.28
Mirabaud Securities ​(UK) 0.39 1064.25
Allied Irish Bank UK​ 0.39 958.17
National Australia B​ank 0.41 755.69
Close Brothers Group​ Plc 0.41 1560.61
Standard Life Invest​ments 0.45 816.49
Gulf International B​ank 0.47 282.19
Siemens Financial Se​rvices Limited 0.47 1317.05
Mortgage Next 0.47 343.10
Loughborough Buildin​g Society 0.48 871.23
JCB Card Europe 0.49 57.30
Nomura Bank Internat​ional 0.49 224.50
Cambridge Building S​ociety 0.49 1411.40
Bank of China UK 0.51 27.49
Westpac Banking Corp​oration UK 0.55 125.14
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.56 216.63
Bluefin 0.56 508.30
Quick Quid 0.56 285.90
The Bank of East Asi​a UK 0.57 101.24
Bank of Tokyo Mitsub​ishi 0.59 69.51
HSBC Bermuda 0.60 166.36
Duncan Lawrie Bank 0.60 1127.28
Brilliant Solutions 0.60 468.49
Invesco Perpetual 0.60 356.34
Rabobank Internation​al 0.70 762.81
Raphaels Bank 0.73 380.19
Cater Allen Private ​Bank 0.79 262.43
Aberdeen Asset Manag​ement 0.91 279.23
Homeloan Management 1.43 852.56
British Bankers' Association 1.69 533.36
Organisation A AA
Julian Hodge Bank100.0075.86
BM Savings100.0048.00
John Charcol100.0039.20
Bank of Ireland Mort​gages100.003.28
James Hay100.001.19
Cash Converters100.000.80
Kensington Mortgages​100.000.80
Nemo Personal Financ​e100.000.80
Teachers Assurance100.000.80
BNP Paribas Leasing ​Solutions UK100.000.00
Bank of Baroda UK100.000.00
Barclays Capital100.000.00
Cheltenham &​ Gloucester100.000.00
Cheshire Building So​ciety100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
Dexia Public Finance​ Bank100.000.00
HSBC Private Bank100.000.00
Hitachi Capital100.000.00
Landesbank Berlin100.000.00
Monmouthshire Buildi​ng Society100.000.00
Old Mutual100.000.00
Shore Capital100.000.00
Standard Chartered B​ank UK100.000.00
State Bank of India ​UK100.000.00
Tesco Bank100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
Credit Suisse Group99.2011.20
Cumberland Building ​Society99.202.40
Coutts &​ Co99.201.60
ABN AMRO Commercial ​Finance99.200.80
Financial Ombudsman ​Service99.200.80
Adam &​ Company99.200.00
BNP Paribas UK99.200.00
C. Hoare &​ Co99.200.00
Capital One99.200.00
Dudley Building Soci​ety99.200.00
Family Investments99.200.00
Morgan Stanley &​ Co. International99.200.00
Societe Generale Pri​vate Banking UK99.200.00
UBS Investment Bank99.200.00
engage Mutual Assura​nce99.200.00
Vanquis Bank98.920.00
Intelligent Finance98.8879.78
Bank of Tokyo Mitsub​ishi98.4019.20
Barclays Bank98.403.20
Nomura Bank Internat​ional98.401.60
BIBBY Financial Serv​ices98.400.00
Legal &​ General98.400.00
National Savings &​ Investments (ns&​i)98.400.00
Brown Shipley97.600.00
JCB Card Europe97.600.00
Skipton Building Soc​iety97.600.00
Standard Life UK97.600.00
AIB Capital Markets96.800.80
Citibank UK96.800.80
Ocean Finance96.800.80
Redmayne Bentley Sto​ckbrokers96.800.80
Lloyds Bank Plc96.800.00
Syscap96.800.00
Mirabaud Securities ​(UK)96.700.00
GE Capital96.0020.80
Leeds Building Socie​ty96.0012.80
Halifax96.000.80
BlackRock96.000.00
Secure Trust Bank Pl​c96.000.00
Scottish Widows Bank​ plc95.200.00
TSB Bank Plc95.200.00
Visa UK94.550.00
Investec UK94.407.20
Barclaycard94.406.40
Airdrie Savings Bank​94.400.00
Bank of Cyprus UK94.400.00
Schroders94.400.00
Scottish Widows Inve​stment94.400.00
Yorkshire Building S​ociety94.400.00
The Bank of East Asi​a UK94.120.00
Duncan Lawrie Bank93.600.80
Bank of Scotland92.800.00
HSBC Bermuda92.800.00
Financial Conduct Au​thority91.200.00
Advantage Finance91.030.00
Invesco Perpetual90.400.00
Allied Irish Bank UK​89.600.00
Building Societies A​ssociation89.600.00
Santander UK89.600.00
Rathbones88.800.00
Principality Buildin​g Society 88.000.80
Aberdeen Asset Manag​ement88.000.00
Clydesdale Bank88.000.00
Rabobank Internation​al88.000.00
Travelex UK88.000.00
Nationwide Building ​Society87.200.80
Bank of England87.200.00
HSBC Bank86.400.00
National Australia B​ank86.400.00
The Co-Operative Ban​k85.600.00
Bank of Montreal84.807.20
Landesbank Hessen-Th​uringen84.800.00
Yorkshire Bank84.800.00
Northern Trust84.000.00
Siemens Financial Se​rvices Limited84.000.00
Darlington Building ​Society83.960.00
DaimlerChrysler Fina​ncial Services83.200.00
Ecology Building Soc​iety83.200.00
JPMorgan Chase82.400.00
First Trust Bank81.601.60
Isle of Man Bank Lim​ited81.600.00
Harrington Brooks80.000.00
M&​S Bank80.000.00
Bank Leumi (UK) Plc79.250.00
Weatherbys Bank77.880.00
Pershing Securities ​UK77.660.00
Merrill Lynch77.600.00
Mortgage Next77.600.00
First Response Finan​ce77.230.00
Debt Free Direct Gro​up76.000.80
Altium Capital76.000.00
Cofunds76.000.00
Loughborough Buildin​g Society76.000.00
European Central Ban​k72.000.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe69.600.00
Butterfield Private ​Bank64.460.00
Newcastle Building S​ociety63.200.00
Moneysupermarket60.800.00
The Loans Engine57.141.79
Cattles Limited56.000.00
JP Morgan Asset Mana​gement56.000.00
Charles Schwab UK52.800.00
The West Brom52.800.00
Arbuthnot Banking Gr​oup49.600.00
Brewin Dolphin48.800.00
Quick Quid41.600.00
Britannia Building S​ociety41.443.60
Brilliant Solutions40.800.00
Western Union UK40.0016.00
Smith &​ Williamson40.0014.40
Chelsea Building Soc​iety32.800.00
Cater Allen Private ​Bank32.000.00
Commerzbank UK31.150.00
M&​G Investments27.200.00
NatWest Bank25.600.80
Diners Club24.660.00
Goldman Sachs Intern​ational23.200.00
RBS21.600.00
ARVAL20.000.80
Nottingham Building ​Society18.401.60
CCLA16.390.00
ClearDebt16.000.00
Smile15.651.74
Experian14.403.20
Baines &​ Ernst14.400.00
Moneyextra.com14.400.00
Charles Stanley12.800.00
Jefferies Internatio​nal12.000.00
Close Premium Financ​e11.540.00
Danske Bank UK11.200.00
Rothschild &​ Sons10.400.00
ICICI Bank UK9.600.00
MasterCard UK8.004.00
More Than8.002.40
Raphaels Bank5.310.00
Paragon Group5.002.50
MBNA Europe4.800.00
Gulf International B​ank4.170.00
Ulster Bank4.003.20
Moneyfacts.co.uk4.000.00
PayPoint3.200.00
Bluefin2.400.00
ICBC UK2.400.00
Standard Life Invest​ments2.400.00
Daiwa Capitals Marke​ts Europe Ltd1.600.00
Homeloan Management1.600.00
London Stock Exchang​e1.600.00
Mercer UK1.600.00
RBS International1.600.00
Bank of Ireland1.200.00
Cambridge Building S​ociety0.800.00
Charity Bank0.800.00
Coventry Building So​ciety0.800.00
European Bank0.800.00
Numis Securities0.800.00
Agricultural Mortgag​e Corporation0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Ipswich Building Soc​iety0.000.00
Islamic Bank of Brit​ain0.000.00
Liffe Investor0.000.00
Macquarie Group Ltd0.000.00
Newbury Building Soc​iety0.000.00
One Account0.000.00
Sainsbury's Bank0.000.00
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.

  • John Charcol
  • Landesbank Berlin
  • One Account
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • WH Ireland
  • Agricultural Mortgage Corporation
  • Bank of China UK
  • British Bankers' Association
  • Ipswich Building Society
  • Islamic Bank of Britain
  • Liffe Investor
  • Macquarie Group Ltd
  • Newbury Building Society
  • One Account
  • Sainsbury's Bank
  • 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
  • Capital Resolve
  • Citigroup Global Markets Limited
  • 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
  • Bank Leumi (Jersey) Limited
  • MoneyGram International
  • The Money Shop
  • Mortgage Force
  • Mortgages plc
  • Mortgage Trust
  • Punjab National Bank (International) Ltd UK
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • SVS Securities
  • Derbyshire Building Society
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
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PDF testing

37.7% 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
42.35%
file/image/badtype
Image file has incorrect type
35.85%
url/fetch/unknownstatus
Unknown status code received from web server
7.19%
url/fetch/timeout
Timeout downloading file
3.53%
url/fetch/connref
Connection refused by server
3.27%
url/fetch/badcookie
Web server attempted to set invalid cookie
1.97%
url/fetch/noaddr
Host not found in DNS
1.80%
url/fetch/exception
Exception while downloading file
0.98%
url/fetch/accessdenied
Access is denied
0.81%
url/fetch/badport
Server port in URL must be numerical
0.65%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
26.77%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
19.14%
file/html/badvalue
Invalid attribute value
10.23%
file/html/missingclose
An element is missing the required close tag
9.29%
file/html/unknownentity
Unknown entity name
9.23%
file/html/badentity
Invalid character in entity
8.68%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.81%
file/html/closingunopened
A redundant close tag was found
1.96%
file/html/missingattr
A start tag is missing required attributes
1.82%
url/fetch/moved
A "301 Moved Permanently" response was received
1.65%