2015 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    05 Jul 2015

  • Total URLs tested:

    274,794

  • Total tests run:

    90,107,420

  • Total number of PDF's:

    30,745

  • URLs failing functional tests:

    3.28%

  • Pages failing code standards:

    91.58%

  • Pages missing a title:

    4.61%

  • Pages failing accessibility level A:

    37.41%

  • Pages failing accessibility level AA:

    97.90%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 202,437 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 0.01 127.36
BM Savings 0.01 294.32
CCLA 0.01 3308.63
Yorkshire Bank 0.01 583.17
Adam &​ Company 0.02 1115.41
Monmouthshire Buildi​ng Society 0.02 1640.88
Clydesdale Bank 0.02 598.13
Numis Securities 0.02 883.42
Coutts &​ Co 0.02 3117.76
Shore Capital 0.03 1286.74
Legal &​ General 0.03 1100.27
Julian Hodge Bank 0.03 1173.55
GE Capital 0.03 1050.22
National Savings &​ Investments (ns&​i) 0.03 3490.54
Financial Ombudsman ​Service 0.03 4787.37
Britannia Building S​ociety 0.04 212.50
Leeds Building Socie​ty 0.04 965.48
Redmayne Bentley Sto​ckbrokers 0.04 822.08
Agricultural Mortgag​e Corporation 0.04 819.11
Smile 0.04 1494.28
Barclays Bank 0.04 1232.82
HSBC Bank 0.04 518.41
Hitachi Capital 0.04 1973.96
Newcastle Building S​ociety 0.04 1217.86
TSB Bank Plc 0.04 2225.45
Diners Club 0.04 4346.62
Lloyds Bank Plc 0.05 494.03
Landesbank Berlin 0.05 1500.28
Scottish Widows Inve​stment 0.05 785.19
Scottish Widows Bank​ plc 0.05 620.86
Bank of Baroda UK 0.05 1431.58
Arbuthnot Banking Gr​oup 0.05 629.44
Intelligent Finance 0.05 798.82
Bank of Ireland Mort​gages 0.05 690.35
M&​S Bank 0.05 294.52
Halifax 0.05 268.33
The Co-Operative Ban​k 0.05 1306.46
European Bank 0.05 266.06
Ulster Bank 0.05 511.30
Europe Arab Bank Plc​ 0.05 3681.55
NatWest Bank 0.05 665.35
RBS 0.06 743.85
Newbury Building Soc​iety 0.06 888.84
Sainsbury's Bank 0.06 918.36
DaimlerChrysler Fina​ncial Services 0.06 1278.97
Capital One 0.06 98.98
C. Hoare &​ Co 0.06 1333.93
More Than 0.06 729.58
Isle of Man Bank Lim​ited 0.06 633.04
AIB Capital Markets 0.06 247.17
State Bank of India ​UK 0.06 2464.75
MasterCard UK 0.06 104.31
ClearDebt 0.06 414.94
Brown Shipley 0.06 590.67
Morgan Stanley &​ Co. International 0.06 1036.37
RBS International 0.06 377.63
M&​G Investments 0.06 1835.57
Cheltenham &​ Gloucester 0.06 755.22
HSBC Private Bank 0.07 396.87
ICBC UK 0.07 263.90
Paragon Group 0.07 559.71
Yorkshire Building S​ociety 0.08 626.95
Moneyextra.com 0.08 285.54
engage Mutual Assura​nce 0.08 1529.09
BIBBY Financial Serv​ices 0.08 1613.63
James Hay 0.08 4175.75
Dudley Building Soci​ety 0.08 1249.44
Cater Allen Private ​Bank 0.08 2803.85
London Stock Exchang​e 0.08 447.72
Ipswich Building Soc​iety 0.08 1186.15
ABN AMRO Commercial ​Finance 0.08 447.86
Close Premium Financ​e 0.09 783.67
Altium Capital 0.09 1670.09
Kensington Mortgages​ 0.09 1664.98
JP Morgan Asset Mana​gement 0.09 1220.31
ARVAL 0.09 768.94
Smith &​ Williamson 0.09 1196.16
Teachers Building So​ciety 0.09 1203.77
Skipton Building Soc​iety 0.09 854.11
Principality Buildin​g Society 0.09 721.71
Family Investments 0.09 1353.35
Barclaycard 0.09 657.24
Goldman Sachs Intern​ational 0.09 2192.78
PayPoint 0.10 959.02
Nottingham Building ​Society 0.10 767.21
Cofunds 0.10 766.66
Investec UK 0.10 1672.04
Moneysupermarket 0.10 271.45
Bank of Ireland 0.10 227.84
Santander UK 0.10 99.62
Coventry Building So​ciety 0.10 578.28
The West Brom 0.10 400.35
JPMorgan Chase 0.10 744.03
Experian 0.10 566.96
Travelex UK 0.11 492.84
Darlington Building ​Society 0.11 225.73
Nationwide Building ​Society 0.12 1098.29
Metro Bank 0.12 2951.00
Cattles Limited 0.12 1305.04
Weatherbys Bank 0.13 624.80
Vanquis Bank 0.13 970.81
Standard Life UK 0.14 1118.47
Advantage Finance 0.14 652.37
BNP Paribas UK 0.15 419.07
Cash Converters 0.15 581.44
Islamic Bank of Brit​ain 0.15 955.58
Western Union UK 0.15 369.77
Ocean Finance 0.16 620.93
Chelsea Building Soc​iety 0.16 338.92
Bank of England 0.16 2320.04
Rabobank Internation​al 0.16 2591.77
Mercer UK 0.16 533.93
Deutsche Bank UK 0.17 542.41
Bank of Cyprus UK 0.17 531.48
LeasePlan UK 0.17 494.91
UBS Investment Bank 0.17 924.78
Cheshire Building So​ciety 0.17 341.36
Old Mutual 0.18 786.75
MBNA Europe 0.18 83.33
Secure Trust Bank Pl​c 0.18 2056.99
Danske Bank UK 0.18 441.01
Harrods Bank Limited​ 0.18 2110.74
Moneyfacts.co.uk 0.19 237.00
Bank of Montreal 0.19 756.64
Ecology Building Soc​iety 0.19 5650.62
First Trust Bank 0.19 556.57
Landesbank Hessen-Th​uringen 0.20 948.86
BlackRock 0.20 672.75
Pershing Securities ​UK 0.20 267.16
WH Ireland 0.20 282.24
Nemo Personal Financ​e 0.20 231.94
Commerzbank UK 0.20 1637.07
European Central Ban​k 0.20 2186.11
Syscap 0.21 756.39
First Response Finan​ce 0.21 430.91
Visa UK 0.21 832.53
Bank of Scotland 0.22 255.51
Schroders 0.23 2918.67
Financial Conduct Au​thority 0.23 133.56
Standard Chartered B​ank UK 0.24 1711.07
Jefferies Internatio​nal 0.25 246.87
Northern Trust 0.25 203.50
Building Societies A​ssociation 0.25 1228.55
BNP Paribas Leasing ​Solutions UK 0.25 361.14
Credit Suisse Group 0.26 351.00
Rathbones 0.27 1257.30
DNB Norbank 0.28 69.62
Rothschild &​ Sons 0.28 1261.12
Baines &​ Ernst 0.28 648.32
Bank Leumi (UK) Plc 0.28 133.80
Loughborough Buildin​g Society 0.28 923.97
Societe Generale Pri​vate Banking UK 0.29 293.33
Charity Bank 0.29 957.23
Dexia Public Finance​ Bank 0.29 1484.69
John Charcol 0.30 272.02
Close Brothers Group​ Plc 0.31 1643.55
Brewin Dolphin 0.31 423.03
Butterfield Private ​Bank 0.31 191.14
Tesco Bank 0.31 570.01
Daiwa Capitals Marke​ts Europe Ltd 0.32 819.88
Teachers Assurance 0.33 1957.69
ICICI Bank UK 0.33 328.83
Charles Stanley 0.33 1269.81
Airdrie Savings Bank​ 0.33 513.06
Siemens Financial Se​rvices Limited 0.34 1395.73
Harrington Brooks 0.35 269.36
Charles Schwab UK 0.37 69.55
Standard Life Invest​ments 0.38 846.46
WestLB Mellon Asset ​Management (UK) 0.38 3501.33
Allied Irish Bank UK​ 0.42 900.70
Macquarie Group Ltd 0.42 842.64
Cumberland Building ​Society 0.43 625.88
National Australia B​ank 0.43 746.43
Debt Free Direct Gro​up 0.47 823.89
Aberdeen Asset Manag​ement 0.47 16.84
Bluefin 0.48 505.52
Nomura Bank Internat​ional 0.48 190.90
JCB Card Europe 0.49 31.38
Citibank UK 0.50 511.31
Cambridge Building S​ociety 0.52 1229.18
Bank of Tokyo Mitsub​ishi 0.52 101.37
Mortgage Next 0.54 302.46
Invesco Perpetual 0.54 276.96
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.55 211.69
Westpac Banking Corp​oration UK 0.55 128.17
Brilliant Solutions 0.57 398.05
The Bank of East Asi​a UK 0.58 87.31
Quick Quid 0.59 203.09
HSBC Bermuda 0.59 182.65
Gulf International B​ank 0.69 284.67
GMAC Financial Servi​ces 0.71 317.94
Duncan Lawrie Bank 0.73 1075.05
Raphaels Bank 0.79 328.47
British Bankers' Association 0.93 535.07
Bank of China UK 1.01 20.84
Homeloan Management 1.52 685.55
Organisation A AA
Intelligent Finance100.0078.89
Julian Hodge Bank100.0077.53
BM Savings100.0068.80
John Charcol100.0043.20
Bank of Ireland Mort​gages100.004.94
Cheltenham &​ Gloucester100.002.53
Cash Converters100.000.80
Kensington Mortgages​100.000.80
Nemo Personal Financ​e100.000.80
Teachers Assurance100.000.80
ABN AMRO Commercial ​Finance100.000.00
Bank of Baroda UK100.000.00
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
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
TSB Bank Plc100.000.00
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
Adam &​ Company99.200.00
BNP Paribas UK99.200.00
C. Hoare &​ Co99.200.00
Capital One99.200.00
Chelsea Building Soc​iety99.200.00
Cheshire Building So​ciety99.200.00
HSBC Bank99.200.00
Legal &​ General99.200.00
Morgan Stanley &​ Co. International99.200.00
Scottish Widows Inve​stment99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Vanquis Bank98.920.00
James Hay98.811.19
UBS Investment Bank98.720.00
Bank of Tokyo Mitsub​ishi98.4019.20
Barclays Bank98.403.20
Nomura Bank Internat​ional98.401.60
BIBBY Financial Serv​ices98.400.00
Cofunds98.400.00
Scottish Widows Bank​ plc98.400.00
Financial Ombudsman ​Service97.600.80
Ocean Finance97.600.80
Brown Shipley97.600.00
Skipton Building Soc​iety97.600.00
National Savings &​ Investments (ns&​i)97.590.00
Leeds Building Socie​ty96.8012.00
AIB Capital Markets96.800.80
Halifax96.800.80
Standard Life UK96.800.00
Syscap96.800.00
Yorkshire Building S​ociety96.800.00
GE Capital96.0019.20
Lloyds Bank Plc96.000.00
Barclaycard95.208.00
Principality Buildin​g Society 95.200.80
Schroders95.200.00
Bank Leumi (UK) Plc94.590.00
Redmayne Bentley Sto​ckbrokers94.400.80
Airdrie Savings Bank​94.400.00
Secure Trust Bank Pl​c94.400.00
The Bank of East Asi​a UK94.200.00
ARVAL93.600.00
Bank of Cyprus UK93.600.00
First Response Finan​ce93.460.00
Bank of Scotland92.800.00
BlackRock92.800.00
European Central Ban​k92.800.00
Investec UK91.207.20
BNP Paribas Leasing ​Solutions UK91.200.00
Financial Conduct Au​thority91.200.00
Advantage Finance91.030.00
Building Societies A​ssociation89.600.00
Allied Irish Bank UK​88.800.00
Clydesdale Bank88.800.00
Landesbank Hessen-Th​uringen88.800.00
Northern Trust88.800.00
Debt Free Direct Gro​up88.000.80
Aberdeen Asset Manag​ement88.000.00
Darlington Building ​Society88.000.00
Santander UK87.200.00
HSBC Bermuda86.400.00
Macquarie Group Ltd86.400.00
National Australia B​ank86.400.00
Rathbones86.400.00
Siemens Financial Se​rvices Limited85.600.00
Yorkshire Bank84.800.00
Nationwide Building ​Society83.200.80
DaimlerChrysler Fina​ncial Services83.200.00
Bank of Montreal82.407.20
Rabobank Internation​al82.400.00
The Co-Operative Ban​k81.600.00
Travelex UK81.600.00
Mortgage Next80.800.00
First Trust Bank80.001.60
Ecology Building Soc​iety80.000.00
M&​S Bank80.000.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe78.400.00
Pershing Securities ​UK77.660.00
Altium Capital76.800.00
Weatherbys Bank76.640.00
Harrods Bank Limited​75.471.89
Loughborough Buildin​g Society75.200.00
JPMorgan Chase74.400.00
Isle of Man Bank Lim​ited72.800.00
Invesco Perpetual68.800.00
Butterfield Private ​Bank64.460.00
Newcastle Building S​ociety64.000.80
The West Brom61.600.00
Moneysupermarket60.800.00
GMAC Financial Servi​ces60.000.80
Cattles Limited56.000.00
JP Morgan Asset Mana​gement55.200.00
Harrington Brooks53.600.00
Arbuthnot Banking Gr​oup49.600.00
LeasePlan UK49.570.85
Charles Schwab UK48.800.00
Brewin Dolphin46.400.00
Quick Quid44.000.00
Visa UK42.400.80
Britannia Building S​ociety41.443.60
Metro Bank40.800.80
Western Union UK39.2016.80
Brilliant Solutions38.400.00
Smith &​ Williamson36.807.20
Moneyfacts.co.uk36.800.00
Cater Allen Private ​Bank29.600.00
Commerzbank UK29.230.00
M&​G Investments27.200.00
NatWest Bank26.400.00
Diners Club24.660.00
RBS23.200.00
Moneyextra.com20.800.00
Goldman Sachs Intern​ational19.200.00
CCLA19.050.00
Experian18.401.60
Nottingham Building ​Society16.801.60
Bank of England14.400.00
Smile12.501.79
Charles Stanley12.000.00
Close Premium Financ​e10.710.00
More Than10.405.60
Danske Bank UK10.400.00
Rothschild &​ Sons10.400.00
Jefferies Internatio​nal9.600.00
MasterCard UK8.004.00
ICICI Bank UK8.000.80
Baines &​ Ernst7.200.00
ClearDebt7.200.00
Paragon Group5.412.70
Ulster Bank4.803.20
MBNA Europe4.800.00
Raphaels Bank4.420.00
Standard Life Invest​ments4.001.60
Citibank UK4.000.00
Bluefin3.200.00
PayPoint3.200.00
Gulf International B​ank2.780.00
ICBC UK2.400.00
Homeloan Management1.600.00
London Stock Exchang​e1.600.00
RBS International1.600.00
Bank of Ireland1.200.00
Bank of China UK0.800.80
Duncan Lawrie Bank0.800.80
Charity Bank0.800.00
European Bank0.800.00
Numis Securities0.800.00
Agricultural Mortgag​e Corporation0.000.00
British Bankers' Association0.000.00
Cambridge Building S​ociety0.000.00
Coventry Building So​ciety0.000.00
Daiwa Capitals Marke​ts Europe Ltd0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Family Investments0.000.00
Ipswich Building Soc​iety0.000.00
Islamic Bank of Brit​ain0.000.00
JCB Card Europe0.000.00
Mercer UK0.000.00
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
engage Mutual Assura​nce0.000.00
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Error free sites

The following sites scored full marks for Function.

  • BM Savings
  • First Response Finance
  • One Account
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Mercer UK
  • WH Ireland
  • Agricultural Mortgage Corporation
  • British Bankers' Association
  • Cambridge Building Society
  • Coventry Building Society
  • engage Mutual Assurance
  • Family Investments
  • Ipswich Building Society
  • Islamic Bank of Britain
  • JCB Card Europe
  • Newbury Building Society
  • One Account
  • Sainsbury's Bank
  • 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
  • EBS Building Society
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • Foresters UK
  • GE Money
  • Handelsbanken UK
  • HFC Bank
  • Investec Asset Management
  • Bank Leumi (Jersey) Limited
  • Mirabaud Securities (UK)
  • 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
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
  • The Loans Engine
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PDF testing

43.0% 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
41.30%
file/image/badtype
Image file has incorrect type
39.32%
url/fetch/unknownstatus
Unknown status code received from web server
7.95%
url/fetch/badcookie
Web server attempted to set invalid cookie
2.48%
url/fetch/noaddr
Host not found in DNS
2.23%
url/fetch/timeout
Timeout downloading file
1.70%
url/fetch/exception
Exception while downloading file
1.38%
url/fetch/accessdenied
Access is denied
1.28%
url/fetch/badport
Server port in URL must be numerical
0.71%
url/fetch/redirectloop
Redirect points back to the original page
0.53%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
40.26%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.23%
file/html/badvalue
Invalid attribute value
8.29%
file/html/unknownentity
Unknown entity name
7.54%
file/html/badentity
Invalid character in entity
7.13%
file/html/missingclose
An element is missing the required close tag
6.93%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.57%
file/html/closingunopened
A redundant close tag was found
1.64%
file/html/missingattr
A start tag is missing required attributes
1.61%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.57%