2016 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    09 Apr 2016

  • Total URLs tested:

    274,479

  • Total tests run:

    89,554,855

  • Total number of PDF's:

    13,430

  • URLs failing functional tests:

    2.81%

  • Pages failing code standards:

    92.29%

  • Pages missing a title:

    3.84%

  • Pages failing accessibility level A:

    39.23%

  • Pages failing accessibility level AA:

    98.30%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 194,477 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 0.01 331.13
Julian Hodge Bank 0.01 1225.75
Monmouthshire Buildi​ng Society 0.02 1682.62
ICBC UK 0.02 771.23
Clydesdale Bank 0.03 652.83
National Savings &​ Investments (ns&​i) 0.03 3959.89
GE Capital 0.03 1094.50
Numis Securities 0.03 696.16
Financial Ombudsman ​Service 0.03 4651.55
Dudley Building Soci​ety 0.03 7806.38
Legal &​ General 0.03 1722.39
Shore Capital 0.03 1559.60
Yorkshire Bank 0.03 704.19
HSBC Bank 0.04 407.92
Moneysupermarket 0.04 293.14
TSB Bank Plc 0.04 2405.75
Smith &​ Williamson 0.04 2113.61
The Money Shop 0.04 646.48
Newcastle Building S​ociety 0.04 836.77
Smile 0.04 1506.53
Scottish Widows Bank​ plc 0.05 754.19
Diners Club 0.05 4274.07
Agricultural Mortgag​e Corporation 0.05 1399.78
Lloyds Bank Plc 0.05 607.08
M&​S Bank 0.05 797.73
Ulster Bank 0.05 570.39
RBS 0.05 556.38
Sainsbury's Bank 0.05 1095.84
MasterCard UK 0.06 125.02
Scottish Widows Inve​stment 0.06 1332.02
Brown Shipley 0.06 1096.67
NatWest Bank 0.06 689.54
European Bank 0.06 128.32
Capital One 0.06 99.48
Europe Arab Bank Plc​ 0.06 4014.41
State Bank of India ​UK 0.06 2047.59
RBS International 0.07 370.74
Landesbank Berlin 0.07 1443.93
engage Mutual Assura​nce 0.07 1667.08
Family Investments 0.07 1986.11
DaimlerChrysler Fina​ncial Services 0.07 1148.80
Paragon Group 0.07 1152.10
Isle of Man Bank Lim​ited 0.07 744.71
Cofunds 0.07 869.55
Teachers Building So​ciety 0.08 1489.62
Yorkshire Building S​ociety 0.08 739.57
Halifax 0.08 381.95
London Stock Exchang​e 0.08 753.12
Santander UK 0.08 140.46
Altium Capital 0.08 1630.78
Morgan Stanley &​ Co. International 0.08 1105.40
Visa UK 0.09 924.57
Handelsbanken UK 0.09 504.81
DNB Norbank 0.09 173.12
Advantage Finance 0.09 1075.29
HSBC Private Bank 0.09 932.24
Ocean Finance 0.09 1350.80
Ipswich Building Soc​iety 0.09 1038.25
Brewin Dolphin 0.10 1591.28
Bank of Scotland 0.10 911.78
The West Brom 0.10 1207.50
ClearDebt 0.10 409.20
LeasePlan UK 0.10 842.86
Newbury Building Soc​iety 0.10 728.43
Investec UK 0.10 3767.23
More Than 0.10 1062.40
Cater Allen Private ​Bank 0.10 2636.14
Goldman Sachs Intern​ational 0.10 989.46
The Co-Operative Ban​k 0.10 1153.73
Chelsea Building Soc​iety 0.10 584.96
Nationwide Building ​Society 0.11 1537.73
BIBBY Financial Serv​ices 0.11 3865.36
Bank of England 0.11 5764.98
Cattles Limited 0.11 1289.52
Coutts &​ Co 0.11 1861.53
Leeds Building Socie​ty 0.11 1696.97
Intelligent Finance 0.12 928.16
Skipton Building Soc​iety 0.12 574.46
Bank of Baroda UK 0.12 1669.89
Rabobank Internation​al 0.12 2783.74
Cash Converters 0.12 325.75
Rathbones 0.13 1037.95
PayPoint 0.13 594.60
EBS Building Society​ 0.13 546.87
Standard Chartered B​ank UK 0.13 2254.90
Travelex UK 0.13 846.88
C. Hoare &​ Co 0.13 2407.82
Hitachi Capital 0.13 3049.97
Secure Trust Bank Pl​c 0.14 2896.55
JPMorgan Chase 0.14 890.67
First Trust Bank 0.14 1399.03
Arbuthnot Banking Gr​oup 0.14 469.34
Kensington Mortgages​ 0.14 747.38
Bank of Ireland 0.14 219.63
Brilliant Solutions 0.15 510.79
Bank of Cyprus UK 0.15 594.07
Moneyfacts.co.uk 0.15 194.74
Old Mutual 0.15 433.90
M&​G Investments 0.15 1825.11
Ecology Building Soc​iety 0.15 6348.74
Western Union UK 0.16 572.57
Harrington Brooks 0.16 402.98
Nottingham Building ​Society 0.16 1124.65
Allied Irish Bank UK​ 0.16 1546.20
Investec Asset Manag​ement 0.17 4161.81
Harrods Bank Limited​ 0.17 1724.80
Deutsche Bank UK 0.17 1223.17
Nemo Personal Financ​e 0.17 378.31
Standard Life UK 0.17 478.10
Vanquis Bank 0.17 1104.30
Islamic Bank of Brit​ain 0.17 1028.50
Cheshire Building So​ciety 0.18 338.67
Adam &​ Company 0.18 1208.19
Darlington Building ​Society 0.18 217.02
Landesbank Hessen-Th​uringen 0.18 1294.10
Weatherbys Bank 0.19 954.79
WH Ireland 0.20 337.13
Coventry Building So​ciety 0.20 922.50
Bank of Ireland Mort​gages 0.20 852.88
First Response Finan​ce 0.20 517.09
Credit Suisse Group 0.20 1299.31
Northern Trust 0.20 163.63
Pershing Securities ​UK 0.21 260.31
Financial Conduct Au​thority 0.21 159.35
Commerzbank UK 0.21 1749.98
CCLA 0.22 2207.46
Debt Free Direct Gro​up 0.22 1391.56
Teachers Assurance 0.23 2453.28
Experian 0.23 323.60
Danske Bank UK 0.23 512.46
James Hay 0.24 2571.96
Schroders 0.24 835.60
Jefferies Internatio​nal 0.24 223.40
ABN AMRO Commercial ​Finance 0.25 440.09
Bank of Montreal 0.26 848.53
Principality Buildin​g Society 0.27 1266.94
BNP Paribas UK 0.28 182.22
Societe Generale Pri​vate Banking UK 0.28 313.00
BNP Paribas Leasing ​Solutions UK 0.28 348.82
Charity Bank 0.29 1536.44
Tesco Bank 0.29 459.51
Mirabaud Securities ​(UK) 0.30 1134.68
Dexia Public Finance​ Bank 0.30 2128.94
Baines &​ Ernst 0.30 1110.54
Close Brothers Group​ Plc 0.31 942.78
Rothschild &​ Sons 0.31 876.01
Loughborough Buildin​g Society 0.32 949.63
Butterfield Private ​Bank 0.32 194.13
Cambridge Building S​ociety 0.33 2572.42
Building Societies A​ssociation 0.33 2116.67
Charles Schwab UK 0.33 88.25
British Bankers' Association 0.34 873.83
ICICI Bank UK 0.34 306.40
Daiwa Capitals Marke​ts Europe Ltd 0.34 1098.08
BlackRock 0.34 382.00
Close Premium Financ​e 0.35 1100.05
Bank of Tokyo Mitsub​ishi 0.36 125.39
Syscap 0.38 234.00
Mortgage Next 0.39 490.63
Nomura Bank Internat​ional 0.41 206.90
Metro Bank 0.41 2198.50
Bank Leumi (UK) Plc 0.42 27.01
JCB Card Europe 0.43 104.12
MBNA Europe 0.44 338.83
Siemens Financial Se​rvices Limited 0.45 1591.71
John Charcol 0.48 852.90
Macquarie Group Ltd 0.50 193.00
HSBC Bermuda 0.50 230.02
The Bank of East Asi​a UK 0.51 134.41
UBS Investment Bank 0.51 952.84
Airdrie Savings Bank​ 0.53 712.65
Charles Stanley 0.53 1449.89
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.53 256.83
Bank of China UK 0.54 30.47
Quick Quid 0.56 225.04
Invesco Perpetual 0.61 214.66
GMAC Financial Servi​ces 0.63 317.08
National Australia B​ank 0.65 573.54
Westpac Banking Corp​oration UK 0.70 109.19
Citibank UK 0.71 382.31
Aberdeen Asset Manag​ement 0.75 199.06
Standard Life Invest​ments 0.79 603.79
Cumberland Building ​Society 0.85 1004.57
Duncan Lawrie Bank 0.91 1043.51
BNY Mellon UK 1.15 687.33
Bluefin 1.23 177.80
Homeloan Management 1.53 682.16
Mercer UK 1.56 591.26
Organisation A AA
BM Savings100.0078.40
Intelligent Finance100.0077.65
Nemo Personal Financ​e100.0022.00
Julian Hodge Bank100.0015.46
Bank of Ireland Mort​gages100.003.33
Teachers Assurance100.000.80
The Money Shop100.000.80
ABN AMRO Commercial ​Finance100.000.00
BNP Paribas UK100.000.00
Bank of Baroda UK100.000.00
Cash Converters100.000.00
Chelsea Building Soc​iety100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
HSBC Private Bank100.000.00
Harrington Brooks100.000.00
James Hay100.000.00
John Charcol100.000.00
Landesbank Berlin100.000.00
Landesbank Hessen-Th​uringen100.000.00
Legal &​ General100.000.00
Mirabaud Securities ​(UK)100.000.00
Monmouthshire Buildi​ng Society100.000.00
Principality Buildin​g Society 100.000.00
Shore Capital100.000.00
Standard Chartered B​ank UK100.000.00
State Bank of India ​UK100.000.00
Tesco Bank100.000.00
Vanquis Bank100.000.00
Westpac Banking Corp​oration UK100.000.00
BIBBY Financial Serv​ices99.200.80
Cumberland Building ​Society99.200.80
Societe Generale Pri​vate Banking UK99.200.80
Yorkshire Building S​ociety99.200.80
Brewin Dolphin99.200.00
C. Hoare &​ Co99.200.00
Cheshire Building So​ciety99.200.00
Credit Suisse Group99.200.00
First Response Finan​ce99.065.66
Halifax98.403.20
BNY Mellon UK98.400.00
Investec Asset Manag​ement98.0853.85
GE Capital97.6022.40
Charity Bank97.600.80
Brown Shipley97.600.00
Dexia Public Finance​ Bank97.600.00
Skipton Building Soc​iety97.600.00
National Savings &​ Investments (ns&​i)97.530.00
Cofunds96.800.00
UBS Investment Bank96.800.00
Bank of Tokyo Mitsub​ishi96.0013.60
Nomura Bank Internat​ional96.000.80
Altium Capital96.000.00
BlackRock96.000.00
Scottish Widows Inve​stment96.000.00
Financial Ombudsman ​Service95.200.00
Secure Trust Bank Pl​c95.200.00
TSB Bank Plc95.200.00
Airdrie Savings Bank​94.400.00
The Bank of East Asi​a UK93.850.00
Bank Leumi (UK) Plc93.600.00
Bank of Cyprus UK93.600.00
HSBC Bank93.600.00
Lloyds Bank Plc93.600.00
Advantage Finance93.590.00
Financial Conduct Au​thority92.800.00
Nationwide Building ​Society92.800.00
Northern Trust92.800.00
Investec UK92.0011.20
The Co-Operative Ban​k92.000.00
Adam &​ Company91.670.00
Allied Irish Bank UK​90.400.00
Bank of Montreal90.400.00
Building Societies A​ssociation90.400.00
Scottish Widows Bank​ plc90.400.00
EBS Building Society​89.605.60
BNP Paribas Leasing ​Solutions UK88.800.00
Aberdeen Asset Manag​ement87.200.80
Santander UK86.400.00
Rathbones85.600.00
Debt Free Direct Gro​up84.800.80
Macquarie Group Ltd84.800.80
First Trust Bank84.800.00
Siemens Financial Se​rvices Limited83.200.00
Standard Life UK83.200.00
Experian82.400.80
Ecology Building Soc​iety82.400.00
GMAC Financial Servi​ces81.604.00
DaimlerChrysler Fina​ncial Services81.600.00
Leeds Building Socie​ty81.600.00
M&​S Bank81.600.00
HSBC Bermuda81.400.00
Newcastle Building S​ociety80.800.80
Clydesdale Bank80.800.00
Rabobank Internation​al80.000.00
Travelex UK80.000.00
Yorkshire Bank80.000.00
Bank of Scotland79.200.00
Invesco Perpetual78.400.80
Metro Bank76.800.00
Western Union UK76.622.60
Harrods Bank Limited​76.040.00
Mortgage Next76.000.00
Loughborough Buildin​g Society75.200.00
Pershing Securities ​UK74.510.00
Mercer UK73.600.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe73.600.00
Isle of Man Bank Lim​ited72.800.00
Capital One71.200.00
Visa UK71.200.00
Charles Schwab UK68.800.00
Morgan Stanley &​ Co. International68.800.00
Hitachi Capital67.200.00
Moneysupermarket67.200.00
Dudley Building Soci​ety65.600.00
Butterfield Private ​Bank64.520.00
Commerzbank UK59.200.00
Brilliant Solutions54.400.00
Cattles Limited54.400.00
The West Brom52.800.00
Arbuthnot Banking Gr​oup49.600.80
Close Premium Financ​e49.500.00
LeasePlan UK46.400.00
Ocean Finance39.200.00
Schroders38.403.20
ClearDebt38.400.00
Cater Allen Private ​Bank31.200.00
JPMorgan Chase31.200.00
Diners Club28.050.00
Citibank UK28.0026.40
Kensington Mortgages​27.200.80
NatWest Bank24.000.00
Sainsbury's Bank20.000.00
Handelsbanken UK18.400.80
RBS18.400.00
Goldman Sachs Intern​ational17.600.80
London Stock Exchang​e17.600.80
ICICI Bank UK16.800.80
Bank of Ireland16.670.00
Baines &​ Ernst16.000.00
Charles Stanley15.200.00
Coventry Building So​ciety13.601.60
Ulster Bank13.600.00
Smith &​ Williamson12.802.40
Bank of England12.000.00
Rothschild &​ Sons12.000.00
Danske Bank UK10.400.00
Jefferies Internatio​nal9.600.00
MasterCard UK8.804.00
Coutts &​ Co8.800.00
Nottingham Building ​Society8.800.00
Paragon Group8.008.00
Quick Quid8.000.00
Cambridge Building S​ociety7.200.00
M&​G Investments7.200.00
MBNA Europe7.200.00
More Than6.400.00
Duncan Lawrie Bank4.000.80
Smile4.000.80
Standard Life Invest​ments2.401.60
Bluefin2.400.00
ICBC UK2.400.00
PayPoint2.400.00
RBS International2.400.00
Weatherbys Bank2.400.00
Teachers Building So​ciety1.600.80
Daiwa Capitals Marke​ts Europe Ltd1.600.00
Homeloan Management1.600.00
Moneyfacts.co.uk0.800.80
European Bank0.800.00
Numis Securities0.800.00
Old Mutual0.800.00
Syscap0.800.00
Family Investments0.000.80
engage Mutual Assura​nce0.000.80
Agricultural Mortgag​e Corporation0.000.00
Bank of China UK0.000.00
British Bankers' Association0.000.00
CCLA0.000.00
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
National Australia B​ank0.000.00
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.

  • Cater Allen Private Bank
  • Landesbank Berlin
  • Cheshire Building Society
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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
  • Darlington Building Society
  • Ipswich Building Society
  • Islamic Bank of Britain
  • JCB Card Europe
  • National Australia Bank
  • 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
  • Barclays Bank
  • BCW Group
  • Britannia Building Society
  • Cahoot
  • Capital Resolve
  • Cheltenham & Gloucester
  • Citigroup Global Markets Limited
  • 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
  • Redmayne Bentley Stockbrokers
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • SVS Securities
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • WestLB Mellon Asset Management (UK)
  • The Woolwich
  • Zenith Bank (UK) Limited
  • AIB Capital Markets
  • Barclaycard
  • 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.

url/fetch/notfound
File not found
68.24%
url/fetch/errorstatus
Error status code received from web server
10.99%
file/image/badtype
Image file has incorrect type
4.96%
url/fetch/noaddr
Host not found in DNS
4.23%
url/fetch/accessdenied
Access is denied
2.70%
url/fetch/timeout
Timeout downloading file
2.12%
url/fetch/redirectloop
Redirect points back to the original page
1.34%
url/fetch/noeoh
No end-of-headers found in HTTP response
1.32%
url/fetch/badscheme
URL scheme was unrecognised
1.23%
url/fetch/exception
Exception while downloading file
0.98%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
42.67%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.01%
file/html/unknownentity
Unknown entity name
8.49%
file/html/badentity
Invalid character in entity
8.36%
file/html/badvalue
Invalid attribute value
7.35%
file/html/missingclose
An element is missing the required close tag
4.92%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.77%
url/fetch/moved
A "301 Moved Permanently" response was received
1.99%
file/html/missingattr
A start tag is missing required attributes
1.90%
file/html/closingunopened
A redundant close tag was found
1.56%