2015 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    05 Oct 2015

  • Total URLs tested:

    265,024

  • Total tests run:

    86,467,290

  • Total number of PDF's:

    12,865

  • URLs failing functional tests:

    3.24%

  • Pages failing code standards:

    92.03%

  • Pages missing a title:

    4.85%

  • Pages failing accessibility level A:

    38.71%

  • Pages failing accessibility level AA:

    98.08%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 204,748 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 0.01 126.42
BM Savings 0.01 273.60
Julian Hodge Bank 0.01 1179.86
Clydesdale Bank 0.02 647.39
Monmouthshire Buildi​ng Society 0.02 1126.20
Adam &​ Company 0.02 685.39
Yorkshire Bank 0.02 670.22
Coutts &​ Co 0.02 2689.03
Financial Ombudsman ​Service 0.02 4742.19
Numis Securities 0.02 1245.42
GE Capital 0.03 784.80
Redmayne Bentley Sto​ckbrokers 0.03 963.29
Legal &​ General 0.03 1125.08
Shore Capital 0.03 1610.85
National Savings &​ Investments (ns&​i) 0.03 3480.14
Britannia Building S​ociety 0.04 205.57
Smile 0.04 1199.88
Barclays Bank 0.04 1286.66
Agricultural Mortgag​e Corporation 0.04 824.29
HSBC Bank 0.04 584.46
Leeds Building Socie​ty 0.04 1078.32
Lloyds Bank Plc 0.04 463.86
Diners Club 0.04 4623.37
M&​S Bank 0.04 1039.27
Newcastle Building S​ociety 0.05 1247.85
TSB Bank Plc 0.05 2693.92
Scottish Widows Inve​stment 0.05 627.69
Morgan Stanley &​ Co. International 0.05 1324.31
Scottish Widows Bank​ plc 0.05 570.80
Moneyextra.com 0.05 164.81
The Money Shop 0.05 1327.68
C. Hoare &​ Co 0.05 1739.64
Halifax 0.05 312.89
Hitachi Capital 0.05 1793.91
Arbuthnot Banking Gr​oup 0.05 598.38
Moneysupermarket 0.06 290.11
Brown Shipley 0.06 757.11
Europe Arab Bank Plc​ 0.06 3483.69
Smith &​ Williamson 0.06 1136.15
Isle of Man Bank Lim​ited 0.06 619.32
AIB Capital Markets 0.06 183.57
Ulster Bank 0.06 545.96
NatWest Bank 0.06 577.13
Advantage Finance 0.06 982.84
Capital One 0.06 122.09
Sainsbury's Bank 0.06 1031.00
MasterCard UK 0.06 108.07
ARVAL 0.06 1052.47
Coventry Building So​ciety 0.06 596.98
RBS 0.06 572.17
RBS International 0.07 368.87
Dudley Building Soci​ety 0.07 1484.54
Close Premium Financ​e 0.07 736.27
Cheltenham &​ Gloucester 0.07 619.80
PayPoint 0.07 924.90
DaimlerChrysler Fina​ncial Services 0.07 1084.67
More Than 0.07 848.04
European Bank 0.07 262.86
Newbury Building Soc​iety 0.07 600.56
Investec UK 0.07 2086.65
The Co-Operative Ban​k 0.07 1542.59
M&​G Investments 0.07 1548.16
State Bank of India ​UK 0.07 2589.73
HSBC Private Bank 0.07 427.03
Visa UK 0.07 1440.78
Yorkshire Building S​ociety 0.07 791.16
Teachers Building So​ciety 0.08 6246.81
Principality Buildin​g Society 0.08 1049.21
Family Investments 0.08 1420.25
Barclaycard 0.08 711.50
Bank of Baroda UK 0.08 1308.51
engage Mutual Assura​nce 0.08 1424.08
London Stock Exchang​e 0.08 455.67
Paragon Group 0.09 558.54
Cater Allen Private ​Bank 0.09 2477.88
Nationwide Building ​Society 0.09 929.48
ABN AMRO Commercial ​Finance 0.09 310.79
The West Brom 0.09 457.25
Ipswich Building Soc​iety 0.10 1001.14
Bank of Ireland 0.10 269.95
ClearDebt 0.10 282.68
Landesbank Berlin 0.10 957.64
LeasePlan UK 0.10 800.06
JPMorgan Chase 0.10 869.58
Altium Capital 0.10 1244.03
Nottingham Building ​Society 0.10 523.06
Bank of Ireland Mort​gages 0.10 331.26
Vanquis Bank 0.10 982.23
Skipton Building Soc​iety 0.10 919.51
Harrington Brooks 0.11 252.47
Ocean Finance 0.11 596.08
Chelsea Building Soc​iety 0.11 384.81
DNB Norbank 0.11 84.21
Experian 0.11 488.88
Travelex UK 0.11 496.98
Darlington Building ​Society 0.12 138.56
Santander UK 0.12 101.61
Metro Bank 0.12 2780.28
Intelligent Finance 0.12 795.88
Nemo Personal Financ​e 0.12 211.63
Cattles Limited 0.12 1239.60
Moneyfacts.co.uk 0.12 177.80
JP Morgan Asset Mana​gement 0.13 1383.67
ICBC UK 0.13 198.91
Ecology Building Soc​iety 0.14 5630.13
Brewin Dolphin 0.14 618.22
Goldman Sachs Intern​ational 0.14 1962.07
Weatherbys Bank 0.14 528.71
Harrods Bank Limited​ 0.14 2328.38
Deutsche Bank UK 0.14 565.43
Standard Life UK 0.15 663.58
Secure Trust Bank Pl​c 0.15 1807.17
Financial Conduct Au​thority 0.15 129.59
Bank of England 0.15 2157.95
CCLA 0.15 1074.15
Debt Free Direct Gro​up 0.15 581.14
Islamic Bank of Brit​ain 0.16 1402.36
Commerzbank UK 0.17 1998.04
Kensington Mortgages​ 0.17 671.76
Cheshire Building So​ciety 0.17 305.70
Cash Converters 0.17 576.55
Rabobank Internation​al 0.17 2532.79
Bank of Cyprus UK 0.17 510.47
BIBBY Financial Serv​ices 0.18 1418.83
Old Mutual 0.18 870.25
BNP Paribas UK 0.18 388.36
Handelsbanken UK 0.20 604.98
James Hay 0.20 2870.19
UBS Investment Bank 0.20 924.57
Credit Suisse Group 0.20 730.05
Pershing Securities ​UK 0.21 302.35
WH Ireland 0.21 266.17
BlackRock 0.21 392.21
Teachers Assurance 0.21 1980.66
Bank of Scotland 0.22 339.39
Capital Resolve 0.23 60.70
Building Societies A​ssociation 0.23 1067.43
First Response Finan​ce 0.24 407.38
Western Union UK 0.25 207.19
Jefferies Internatio​nal 0.25 207.10
Danske Bank UK 0.26 435.92
Butterfield Private ​Bank 0.27 189.54
Rathbones 0.27 1148.02
Tesco Bank 0.28 502.20
Landesbank Hessen-Th​uringen 0.28 611.35
Baines &​ Ernst 0.28 673.45
Rothschild &​ Sons 0.28 999.80
Dexia Public Finance​ Bank 0.28 1798.15
BNP Paribas Leasing ​Solutions UK 0.29 352.03
ICICI Bank UK 0.29 367.92
Charity Bank 0.29 926.14
Loughborough Buildin​g Society 0.30 893.88
Syscap 0.30 648.18
John Charcol 0.30 280.06
Standard Chartered B​ank UK 0.30 1521.15
Mercer UK 0.31 629.29
British Bankers' Association 0.32 562.50
Mirabaud Securities ​(UK) 0.32 1237.93
WestLB Mellon Asset ​Management (UK) 0.33 3433.25
Daiwa Capitals Marke​ts Europe Ltd 0.33 807.68
Schroders 0.33 3657.53
Airdrie Savings Bank​ 0.35 616.80
MBNA Europe 0.35 279.34
Bank Leumi (UK) Plc 0.36 11.71
Bank of Montreal 0.36 794.61
Northern Trust 0.38 147.27
Societe Generale Pri​vate Banking UK 0.39 338.06
Aberdeen Asset Manag​ement 0.40 188.23
Bank of Tokyo Mitsub​ishi 0.41 169.21
Close Brothers Group​ Plc 0.41 1490.36
Siemens Financial Se​rvices Limited 0.41 1979.09
Charles Stanley 0.41 1329.55
Macquarie Group Ltd 0.41 711.49
National Australia B​ank 0.42 814.98
Nomura Bank Internat​ional 0.42 206.97
First Trust Bank 0.43 816.36
Charles Schwab UK 0.43 66.86
Citibank UK 0.44 306.21
JCB Card Europe 0.44 100.79
Standard Life Invest​ments 0.47 774.26
Bluefin 0.48 482.72
Cumberland Building ​Society 0.49 548.83
Mortgage Next 0.50 363.73
Cambridge Building S​ociety 0.51 1496.10
Quick Quid 0.51 252.30
HSBC Bermuda 0.51 213.50
The Bank of East Asi​a UK 0.52 110.01
Invesco Perpetual 0.54 241.17
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.55 214.78
Brilliant Solutions 0.55 429.48
Westpac Banking Corp​oration UK 0.56 125.76
Allied Irish Bank UK​ 0.59 1391.58
Bank of China UK 0.61 22.66
GMAC Financial Servi​ces 0.67 240.41
Duncan Lawrie Bank 0.72 990.69
Homeloan Management 1.55 859.41
Organisation A AA
Intelligent Finance100.0079.07
John Charcol100.0041.60
Julian Hodge Bank100.0015.79
Cheltenham &​ Gloucester100.004.76
Bank of Ireland Mort​gages100.003.61
The Money Shop100.001.64
Nemo Personal Financ​e100.000.80
Teachers Assurance100.000.80
ABN AMRO Commercial ​Finance100.000.00
Adam &​ Company100.000.00
Bank of Baroda UK100.000.00
Cash Converters100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
HSBC Private Bank100.000.00
Hitachi Capital100.000.00
James Hay100.000.00
Landesbank Berlin100.000.00
Legal &​ General100.000.00
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
Syscap100.000.00
Vanquis Bank100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
Coutts &​ Co99.200.80
Cumberland Building ​Society99.200.80
Financial Ombudsman ​Service99.200.80
BNP Paribas UK99.200.00
C. Hoare &​ Co99.200.00
Charity Bank99.200.00
Cheshire Building So​ciety99.200.00
Dexia Public Finance​ Bank99.200.00
HSBC Bank99.200.00
Morgan Stanley &​ Co. International99.200.00
Societe Generale Pri​vate Banking UK99.200.00
First Response Finan​ce98.851.15
UBS Investment Bank98.770.00
BM Savings98.4058.40
GE Capital98.4025.60
Barclays Bank98.403.20
Nomura Bank Internat​ional98.401.60
BIBBY Financial Serv​ices98.400.00
Credit Suisse Group98.400.00
Tesco Bank98.400.00
Brown Shipley97.600.00
Lloyds Bank Plc97.600.00
Skipton Building Soc​iety97.600.00
Yorkshire Building S​ociety97.600.00
AIB Capital Markets96.800.80
Chelsea Building Soc​iety96.800.00
Ocean Finance96.800.00
Standard Life UK96.800.00
Mirabaud Securities ​(UK)96.700.00
National Savings &​ Investments (ns&​i)96.200.00
Leeds Building Socie​ty96.0020.80
Bank of Tokyo Mitsub​ishi96.0012.00
Halifax96.000.80
Redmayne Bentley Sto​ckbrokers96.000.80
Barclaycard95.206.40
Principality Buildin​g Society 95.201.60
Airdrie Savings Bank​94.400.00
Bank of Cyprus UK94.400.00
Scottish Widows Inve​stment94.400.00
Secure Trust Bank Pl​c94.400.00
The Co-Operative Ban​k94.400.00
The Bank of East Asi​a UK94.200.00
Scottish Widows Bank​ plc93.600.00
Advantage Finance93.150.00
Bank of Scotland92.800.00
Financial Conduct Au​thority92.800.00
Bank Leumi (UK) Plc92.110.00
Investec UK91.2010.40
TSB Bank Plc91.200.80
BNP Paribas Leasing ​Solutions UK91.200.00
Building Societies A​ssociation89.600.00
Allied Irish Bank UK​88.800.00
HSBC Bermuda88.800.00
Northern Trust88.800.00
Bank of Montreal88.0012.00
Aberdeen Asset Manag​ement88.000.00
Landesbank Hessen-Th​uringen88.000.00
National Australia B​ank88.000.00
Rathbones88.000.00
Santander UK88.000.00
Rabobank Internation​al85.600.00
Macquarie Group Ltd84.800.00
Siemens Financial Se​rvices Limited84.000.00
ARVAL83.200.00
DaimlerChrysler Fina​ncial Services83.200.00
Invesco Perpetual82.401.60
Mortgage Next81.600.00
Nationwide Building ​Society81.600.00
Clydesdale Bank80.800.00
Ecology Building Soc​iety80.800.00
Harrington Brooks80.000.00
M&​S Bank80.000.00
Travelex UK80.000.00
Visa UK79.691.56
First Trust Bank79.200.80
Pershing Securities ​UK77.660.00
Yorkshire Bank76.000.00
Harrods Bank Limited​75.471.89
Weatherbys Bank75.230.00
Dudley Building Soci​ety75.200.00
Altium Capital74.400.00
BlackRock73.600.00
Isle of Man Bank Lim​ited73.600.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe73.600.00
Loughborough Buildin​g Society71.200.00
Newcastle Building S​ociety69.600.00
Capital One68.000.80
Moneysupermarket67.200.00
Butterfield Private ​Bank64.460.00
Kensington Mortgages​64.001.60
GMAC Financial Servi​ces58.400.80
JP Morgan Asset Mana​gement58.400.00
Cattles Limited55.200.00
Brilliant Solutions50.400.00
Arbuthnot Banking Gr​oup49.600.00
LeasePlan UK46.400.80
Brewin Dolphin46.400.00
Close Premium Financ​e45.740.00
Charles Schwab UK45.600.00
JPMorgan Chase43.200.00
The West Brom43.200.00
Britannia Building S​ociety42.733.64
Debt Free Direct Gro​up40.800.00
Commerzbank UK39.440.00
ClearDebt39.200.00
Metro Bank38.400.00
Western Union UK35.2016.00
Moneyfacts.co.uk35.200.00
Cater Allen Private ​Bank32.000.00
Citibank UK28.8028.00
M&​G Investments28.800.00
Diners Club28.570.00
Smith &​ Williamson28.002.40
NatWest Bank24.800.00
RBS22.400.00
Experian20.002.40
Handelsbanken UK20.000.80
Moneyextra.com15.200.00
Charles Stanley12.800.00
Capital Resolve12.730.00
Nottingham Building ​Society12.000.80
Bank of England12.000.00
Jefferies Internatio​nal12.000.00
Rothschild &​ Sons12.000.00
More Than11.204.80
Goldman Sachs Intern​ational11.200.00
Danske Bank UK10.400.00
Bank of Ireland10.000.00
Schroders9.603.20
Mercer UK9.600.00
Ulster Bank8.800.80
MasterCard UK8.004.00
ICICI Bank UK8.000.80
Quick Quid8.000.00
Paragon Group7.233.61
Baines &​ Ernst7.200.00
Smile4.800.80
MBNA Europe4.800.00
Standard Life Invest​ments4.001.60
PayPoint4.000.00
Duncan Lawrie Bank2.400.80
Bluefin2.400.00
ICBC UK2.400.00
Numis Securities1.600.80
Daiwa Capitals Marke​ts Europe Ltd1.600.00
Homeloan Management1.600.00
London Stock Exchang​e1.600.00
RBS International1.600.00
European Bank0.800.00
Family Investments0.800.00
Teachers Building So​ciety0.800.00
engage Mutual Assura​nce0.800.00
Agricultural Mortgag​e Corporation0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
CCLA0.000.00
Cambridge Building S​ociety0.000.00
Coventry Building So​ciety0.000.00
Darlington Building ​Society0.000.00
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
JCB Card Europe0.000.00
Newbury Building Soc​iety0.000.00
One Account0.000.00
Sainsbury's Bank0.000.00
WH Ireland0.000.00
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Error free sites

The following sites scored full marks for Function.

  • BM Savings
  • 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
  • Cambridge Building Society
  • CCLA
  • Coventry Building Society
  • Darlington Building Society
  • Ipswich Building Society
  • Islamic Bank of Britain
  • JCB Card Europe
  • Newbury Building Society
  • One Account
  • Sainsbury's Bank
  • 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
  • EBS Building Society
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • Foresters UK
  • GE Money
  • Gulf International Bank
  • HFC Bank
  • Investec Asset Management
  • Bank Leumi (Jersey) Limited
  • MoneyGram International
  • Mortgage Force
  • Mortgages plc
  • Mortgage Trust
  • Punjab National Bank (International) Ltd UK
  • Raphaels Bank
  • 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
  • Cofunds
  • The Loans Engine
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PDF testing

39.6% 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.

file/image/badtype
Image file has incorrect type
42.46%
url/fetch/notfound
File not found
40.56%
url/fetch/unknownstatus
Unknown status code received from web server
7.52%
url/fetch/timeout
Timeout downloading file
2.52%
url/fetch/noaddr
Host not found in DNS
1.73%
url/fetch/accessdenied
Access is denied
1.24%
url/fetch/exception
Exception while downloading file
1.00%
url/fetch/badcookie
Web server attempted to set invalid cookie
0.83%
url/fetch/redirectloop
Redirect points back to the original page
0.65%
url/fetch/badscheme
URL scheme was unrecognised
0.48%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
41.70%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.84%
file/html/unknownentity
Unknown entity name
7.54%
file/html/badvalue
Invalid attribute value
7.30%
file/html/badentity
Invalid character in entity
7.21%
file/html/missingclose
An element is missing the required close tag
6.69%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.61%
file/html/closingunopened
A redundant close tag was found
1.61%
file/html/missingattr
A start tag is missing required attributes
1.59%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.55%