2016 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    09 Jan 2016

  • Total URLs tested:

    270,026

  • Total tests run:

    88,101,520

  • Total number of PDF's:

    13,195

  • URLs failing functional tests:

    2.92%

  • Pages failing code standards:

    91.44%

  • Pages missing a title:

    4.16%

  • Pages failing accessibility level A:

    38.88%

  • Pages failing accessibility level AA:

    98.35%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 205,660 failures

  • Fastest average response time:

    BM Savings (http://www.birminghammidshires.co.uk/)




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)
BM Savings 0.01 326.50
Julian Hodge Bank 0.01 1221.77
Clydesdale Bank 0.02 1780.19
Adam &​ Company 0.02 1302.22
GE Capital 0.02 1093.79
Yorkshire Bank 0.02 1939.09
Monmouthshire Buildi​ng Society 0.02 1232.16
National Savings &​ Investments (ns&​i) 0.02 3527.73
Numis Securities 0.02 1366.35
Redmayne Bentley Sto​ckbrokers 0.03 1324.84
Financial Ombudsman ​Service 0.03 4599.70
Dudley Building Soci​ety 0.03 7306.82
HSBC Bank 0.03 837.31
Shore Capital 0.03 2008.15
Hitachi Capital 0.04 1996.88
Lloyds Bank Plc 0.04 561.68
Legal &​ General 0.04 1282.50
Britannia Building S​ociety 0.04 244.51
Goldman Sachs Intern​ational 0.04 2499.47
ICBC UK 0.04 265.97
Smile 0.04 1694.19
Smith &​ Williamson 0.04 1180.27
Barclays Bank 0.04 1116.33
Moneysupermarket 0.04 308.38
Agricultural Mortgag​e Corporation 0.04 1032.95
TSB Bank Plc 0.04 2594.21
Santander UK 0.05 118.00
Newcastle Building S​ociety 0.05 786.80
Diners Club 0.05 5128.29
Ulster Bank 0.05 558.20
Halifax 0.05 357.80
The Co-Operative Ban​k 0.05 1543.71
Europe Arab Bank Plc​ 0.06 3727.03
Scottish Widows Bank​ plc 0.06 480.43
RBS 0.06 585.60
Scottish Widows Inve​stment 0.06 588.52
M&​S Bank 0.06 831.84
PayPoint 0.06 1161.70
NatWest Bank 0.06 469.01
Isle of Man Bank Lim​ited 0.06 664.84
Brown Shipley 0.06 959.70
Morgan Stanley &​ Co. International 0.06 803.95
Capital One 0.06 128.51
Bank of Baroda UK 0.06 1548.79
Bank of Ireland Mort​gages 0.06 1061.05
Cheltenham &​ Gloucester 0.06 805.22
RBS International 0.06 413.67
State Bank of India ​UK 0.07 1800.44
Sainsbury's Bank 0.07 1069.18
Newbury Building Soc​iety 0.07 636.76
MasterCard UK 0.07 131.02
The Money Shop 0.07 566.15
Teachers Building So​ciety 0.07 5862.80
Paragon Group 0.07 877.57
engage Mutual Assura​nce 0.07 1720.82
Yorkshire Building S​ociety 0.07 578.15
Cofunds 0.07 790.66
HSBC Private Bank 0.07 710.37
C. Hoare &​ Co 0.08 2075.55
More Than 0.08 847.27
Family Investments 0.08 1848.23
First Trust Bank 0.08 855.40
Barclaycard 0.08 815.88
DaimlerChrysler Fina​ncial Services 0.08 1097.41
Darlington Building ​Society 0.09 615.92
Rathbones 0.09 1634.08
Ocean Finance 0.09 733.81
The West Brom 0.09 548.01
Skipton Building Soc​iety 0.09 1018.61
Harrington Brooks 0.09 272.03
Experian 0.09 618.63
ClearDebt 0.09 396.06
Handelsbanken UK 0.10 623.58
Visa UK 0.10 905.17
Arbuthnot Banking Gr​oup 0.10 608.12
DNB Norbank 0.10 114.34
Ipswich Building Soc​iety 0.10 1289.71
Landesbank Berlin 0.10 992.10
London Stock Exchang​e 0.10 671.31
Nationwide Building ​Society 0.10 1422.09
Cater Allen Private ​Bank 0.11 2719.50
Leeds Building Socie​ty 0.11 1133.55
Standard Chartered B​ank UK 0.11 2071.81
Allied Irish Bank UK​ 0.11 1456.48
LeasePlan UK 0.11 673.26
Advantage Finance 0.11 829.76
Cattles Limited 0.12 1260.50
Standard Life UK 0.12 1719.32
Western Union UK 0.12 1623.40
BNP Paribas Leasing ​Solutions UK 0.12 430.96
Intelligent Finance 0.12 884.45
Metro Bank 0.13 3033.47
Travelex UK 0.13 666.34
Secure Trust Bank Pl​c 0.13 2315.96
Ecology Building Soc​iety 0.13 6088.05
Bank of England 0.13 1984.06
Deutsche Bank UK 0.13 692.46
Cash Converters 0.14 617.42
Kensington Mortgages​ 0.14 512.37
Brilliant Solutions 0.14 568.61
Old Mutual 0.14 769.92
JPMorgan Chase 0.15 734.38
Mercer UK 0.15 838.15
Cheshire Building So​ciety 0.16 368.56
Vanquis Bank 0.16 1015.24
Coventry Building So​ciety 0.16 631.62
Rabobank Internation​al 0.16 2940.26
Bank of Montreal 0.17 238.84
Brewin Dolphin 0.17 405.20
Credit Suisse Group 0.17 640.28
ABN AMRO Commercial ​Finance 0.17 1069.66
Principality Buildin​g Society 0.18 1050.99
BNP Paribas UK 0.18 436.32
M&​G Investments 0.18 1699.05
Bank of Cyprus UK 0.18 585.96
BlackRock 0.19 525.13
James Hay 0.19 3010.62
Moneyfacts.co.uk 0.19 266.34
Islamic Bank of Brit​ain 0.20 1402.03
BIBBY Financial Serv​ices 0.20 1843.12
Harrods Bank Limited​ 0.20 1393.53
Landesbank Hessen-Th​uringen 0.20 779.17
Pershing Securities ​UK 0.20 255.80
Financial Conduct Au​thority 0.20 170.23
Investec UK 0.20 1417.74
Danske Bank UK 0.21 457.39
Teachers Assurance 0.21 2583.64
Northern Trust 0.21 159.58
Commerzbank UK 0.21 1752.77
Close Premium Financ​e 0.21 1080.12
Nemo Personal Financ​e 0.21 225.19
Bank of Scotland 0.22 332.47
Weatherbys Bank 0.22 1047.39
Charity Bank 0.23 1367.70
Investec Asset Manag​ement 0.24 3430.04
CCLA 0.25 1394.08
WH Ireland 0.26 310.26
WestLB Mellon Asset ​Management (UK) 0.27 3068.31
Butterfield Private ​Bank 0.27 189.76
Bank of Ireland 0.27 445.86
Rothschild &​ Sons 0.27 875.63
Standard Life Invest​ments 0.27 821.54
Dexia Public Finance​ Bank 0.28 2483.32
First Response Finan​ce 0.28 425.99
Jefferies Internatio​nal 0.28 202.17
Coutts &​ Co 0.28 1643.38
Altium Capital 0.28 1655.96
UBS Investment Bank 0.29 776.79
Syscap 0.29 566.32
Schroders 0.29 4139.81
Loughborough Buildin​g Society 0.30 1067.63
Bank Leumi (UK) Plc 0.30 23.92
Building Societies A​ssociation 0.30 1387.97
Mirabaud Securities ​(UK) 0.30 1354.21
British Bankers' Association 0.31 945.32
ICICI Bank UK 0.32 467.41
Debt Free Direct Gro​up 0.35 1114.65
European Bank 0.35 135.67
Aberdeen Asset Manag​ement 0.36 255.15
Bank of Tokyo Mitsub​ishi 0.37 263.10
Charles Stanley 0.38 1528.38
Daiwa Capitals Marke​ts Europe Ltd 0.38 946.89
MBNA Europe 0.38 304.06
Baines &​ Ernst 0.39 606.88
Siemens Financial Se​rvices Limited 0.39 1651.09
Airdrie Savings Bank​ 0.40 540.81
Close Brothers Group​ Plc 0.41 1673.51
Charles Schwab UK 0.42 89.01
JCB Card Europe 0.43 106.23
Macquarie Group Ltd 0.44 854.24
Nomura Bank Internat​ional 0.45 202.39
Tesco Bank 0.45 417.65
Bluefin 0.46 626.84
Societe Generale Pri​vate Banking UK 0.46 441.94
Chelsea Building Soc​iety 0.48 468.15
HSBC Bermuda 0.51 223.62
National Australia B​ank 0.54 743.90
The Bank of East Asi​a UK 0.54 122.47
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.54 227.19
Quick Quid 0.57 226.28
Invesco Perpetual 0.57 233.72
John Charcol 0.58 800.28
Cambridge Building S​ociety 0.59 2178.11
Duncan Lawrie Bank 0.62 1191.18
Westpac Banking Corp​oration UK 0.62 114.05
GMAC Financial Servi​ces 0.64 266.61
Citibank UK 0.64 652.92
Cumberland Building ​Society 0.66 649.46
Bank of China UK 0.69 29.93
BNY Mellon UK 0.94 1391.42
Mortgage Next 1.22 439.06
Homeloan Management 2.82 704.16
Organisation A AA
Intelligent Finance100.0077.91
BM Savings100.0071.20
Julian Hodge Bank100.0015.62
Bank of Ireland Mort​gages100.003.57
The Money Shop100.001.20
Nemo Personal Financ​e100.000.80
Teachers Assurance100.000.80
Adam &​ Company100.000.00
Bank of Baroda UK100.000.00
Cash Converters100.000.00
Cheltenham &​ Gloucester100.000.00
Close Brothers Group​ Plc100.000.00
Credit Suisse Group100.000.00
DNB Norbank100.000.00
James Hay100.000.00
John Charcol100.000.00
Landesbank Berlin100.000.00
Legal &​ General100.000.00
Mirabaud Securities ​(UK)100.000.00
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
Vanquis Bank100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Barclays Bank99.200.80
Societe Generale Pri​vate Banking UK99.200.80
BIBBY Financial Serv​ices99.200.00
BNP Paribas UK99.200.00
C. Hoare &​ Co99.200.00
Cheshire Building So​ciety99.200.00
HSBC Private Bank99.200.00
Tesco Bank99.200.00
Yorkshire Building S​ociety99.200.00
First Response Finan​ce98.950.00
Nomura Bank Internat​ional98.401.60
Cumberland Building ​Society98.400.80
ABN AMRO Commercial ​Finance98.400.00
BNY Mellon UK98.400.00
Cofunds98.400.00
Dexia Public Finance​ Bank98.400.00
Financial Ombudsman ​Service98.400.00
Skipton Building Soc​iety98.400.00
Westpac Banking Corp​oration UK98.400.00
Investec Asset Manag​ement98.0060.00
Hitachi Capital98.000.00
Principality Buildin​g Society 97.601.60
Brown Shipley97.600.00
Charity Bank97.600.00
Chelsea Building Soc​iety97.600.00
Standard Life UK97.600.00
UBS Investment Bank97.600.00
GE Capital96.8023.20
BlackRock96.800.00
National Savings &​ Investments (ns&​i)96.250.00
Bank of Tokyo Mitsub​ishi96.0012.00
Halifax96.000.80
Redmayne Bentley Sto​ckbrokers96.000.80
TSB Bank Plc96.000.80
HSBC Bank96.000.00
Lloyds Bank Plc96.000.00
Scottish Widows Inve​stment95.200.00
Secure Trust Bank Pl​c95.200.00
Investec UK94.409.60
Airdrie Savings Bank​94.400.00
Bank of Cyprus UK94.400.00
Bank of Scotland94.400.00
Scottish Widows Bank​ plc94.400.00
The Co-Operative Ban​k94.400.00
The Bank of East Asi​a UK94.200.00
Barclaycard93.603.20
Advantage Finance93.590.00
Bank Leumi (UK) Plc92.620.00
BNP Paribas Leasing ​Solutions UK92.000.00
Financial Conduct Au​thority92.000.00
Landesbank Hessen-Th​uringen90.400.00
Bank of Montreal89.6012.00
Allied Irish Bank UK​89.600.80
Building Societies A​ssociation88.800.00
Rathbones88.000.00
Aberdeen Asset Manag​ement87.200.00
Invesco Perpetual86.400.80
Leeds Building Socie​ty85.600.00
HSBC Bermuda84.800.00
Santander UK84.800.00
Northern Trust84.000.00
DaimlerChrysler Fina​ncial Services83.200.00
Siemens Financial Se​rvices Limited83.200.00
Harrods Bank Limited​82.930.00
Debt Free Direct Gro​up82.400.80
Ecology Building Soc​iety81.600.00
Mortgage Next81.600.00
Nationwide Building ​Society81.600.00
Clydesdale Bank80.800.00
M&​S Bank80.800.00
Macquarie Group Ltd80.800.00
Rabobank Internation​al80.800.00
Travelex UK80.800.00
Yorkshire Bank80.000.00
First Trust Bank79.200.80
Altium Capital78.400.00
Harrington Brooks78.400.00
Visa UK74.400.80
Capital One74.400.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe74.400.00
Pershing Securities ​UK74.260.00
Charles Schwab UK72.800.00
GMAC Financial Servi​ces72.001.60
Dudley Building Soci​ety72.000.00
Newcastle Building S​ociety72.000.00
Loughborough Buildin​g Society70.400.00
Moneysupermarket68.000.00
Mercer UK65.600.00
Morgan Stanley &​ Co. International64.800.00
Butterfield Private ​Bank64.750.00
Isle of Man Bank Lim​ited63.200.00
The West Brom60.804.00
Cattles Limited55.200.00
Commerzbank UK52.780.00
Arbuthnot Banking Gr​oup49.600.00
Close Premium Financ​e49.450.00
Western Union UK49.061.89
JPMorgan Chase48.800.00
Brewin Dolphin48.000.00
LeasePlan UK46.720.82
Brilliant Solutions46.400.00
Britannia Building S​ociety42.733.64
Metro Bank40.000.00
Schroders37.604.00
ClearDebt35.200.00
Cater Allen Private ​Bank32.000.00
Diners Club29.490.00
Citibank UK27.2026.40
Kensington Mortgages​25.600.80
Goldman Sachs Intern​ational20.800.80
NatWest Bank20.000.00
Experian19.201.60
Handelsbanken UK19.200.80
RBS19.200.00
Sainsbury's Bank18.400.00
London Stock Exchang​e17.600.00
National Australia B​ank16.800.00
Bank of Ireland16.670.00
Bank of England13.600.00
Smith &​ Williamson12.802.40
Charles Stanley12.800.00
Rothschild &​ Sons12.000.00
Jefferies Internatio​nal11.200.00
ICICI Bank UK10.400.80
Danske Bank UK10.400.00
Quick Quid9.600.00
MasterCard UK8.804.00
More Than8.000.80
Coutts &​ Co8.000.00
Smile7.201.60
Baines &​ Ernst7.200.00
M&​G Investments7.200.00
Ulster Bank7.200.00
Paragon Group7.143.57
MBNA Europe5.600.00
Standard Life Invest​ments4.801.60
Duncan Lawrie Bank4.000.80
PayPoint4.000.00
Syscap4.000.00
Ocean Finance3.200.00
Bluefin2.400.00
ICBC UK2.400.00
Weatherbys Bank2.400.00
Family Investments1.601.60
engage Mutual Assura​nce1.601.60
Teachers Building So​ciety1.600.80
Cambridge Building S​ociety1.600.00
European Bank1.600.00
Homeloan Management1.600.00
Ipswich Building Soc​iety1.600.00
RBS International1.600.00
Daiwa Capitals Marke​ts Europe Ltd0.800.00
Numis Securities0.800.00
Agricultural Mortgag​e Corporation0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
CCLA0.000.00
Coventry Building So​ciety0.000.00
Darlington Building ​Society0.000.00
Deutsche Bank UK0.000.00
Europe Arab Bank Plc​0.000.00
Islamic Bank of Brit​ain0.000.00
JCB Card Europe0.000.00
Moneyfacts.co.uk0.000.00
Newbury Building Soc​iety0.000.00
WH Ireland0.000.00
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Error free sites

The following sites scored full marks for Function.

  • JCB Card Europe
  • Landesbank Berlin
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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
  • CCLA
  • Coventry Building Society
  • Darlington Building Society
  • Islamic Bank of Britain
  • JCB Card Europe
  • Moneyfacts.co.uk
  • Newbury Building Society
  • Deutsche Bank UK
  • Europe Arab Bank Plc
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • ARVAL
  • 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
  • Gulf International Bank
  • HFC Bank
  • Bank Leumi (Jersey) Limited
  • Moneyextra.com
  • MoneyGram International
  • Mortgage Force
  • Mortgages plc
  • Mortgage Trust
  • One Account
  • Punjab National Bank (International) Ltd UK
  • Raphaels Bank
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • SVS Securities
  • Nottingham Building Society
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • The Woolwich
  • Zenith Bank (UK) Limited
  • AIB Capital Markets
  • The Loans Engine
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PDF testing

40.1% 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
43.87%
file/image/badtype
Image file has incorrect type
37.76%
url/fetch/errorstatus
Error status code received from web server
8.99%
url/fetch/noaddr
Host not found in DNS
1.88%
url/fetch/timeout
Timeout downloading file
1.26%
url/fetch/accessdenied
Access is denied
1.24%
url/fetch/redirectloop
Redirect points back to the original page
1.15%
url/fetch/exception
Exception while downloading file
1.12%
url/fetch/badcookie
Web server attempted to set invalid cookie
1.03%
url/fetch/noeoh
No end-of-headers found in HTTP response
0.51%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
42.86%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.91%
file/html/unknownentity
Unknown entity name
7.06%
file/html/badvalue
Invalid attribute value
6.98%
file/html/badentity
Invalid character in entity
6.88%
file/html/missingclose
An element is missing the required close tag
5.86%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.70%
url/fetch/moved
A "301 Moved Permanently" response was received
1.82%
file/html/missingattr
A start tag is missing required attributes
1.65%
file/html/closingunopened
A redundant close tag was found
1.64%