2016 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    10 Jul 2016

  • Total URLs tested:

    279,562

  • Total tests run:

    91,257,530

  • Total number of PDF's:

    15,380

  • URLs failing functional tests:

    3.08%

  • Pages failing code standards:

    93.41%

  • Pages missing a title:

    4.43%

  • Pages failing accessibility level A:

    34.94%

  • Pages failing accessibility level AA:

    98.22%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 195,457 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 0.01 249.23
Julian Hodge Bank 0.01 984.62
Monmouthshire Buildi​ng Society 0.02 892.63
Numis Securities 0.03 1027.70
GE Capital 0.03 871.56
Financial Ombudsman ​Service 0.03 4413.25
Dudley Building Soci​ety 0.03 6021.16
Legal &​ General 0.03 1169.56
Shore Capital 0.03 1026.08
More Than 0.03 1048.49
Yorkshire Bank 0.03 395.45
Clydesdale Bank 0.04 386.10
Moneysupermarket 0.04 200.72
M&​S Bank 0.04 544.75
European Bank 0.04 4106.82
Smile 0.04 1405.65
National Savings &​ Investments (ns&​i) 0.04 2966.44
Landesbank Berlin 0.04 1561.03
Sainsbury's Bank 0.04 709.32
Scottish Widows Bank​ plc 0.04 551.95
TSB Bank Plc 0.04 1384.33
HSBC Bank 0.05 19.94
Barclays Bank 0.05 607.44
Leeds Building Socie​ty 0.05 992.77
Smith &​ Williamson 0.05 1346.55
Bank of Baroda UK 0.05 1153.41
MasterCard UK 0.05 139.04
Redmayne Bentley Sto​ckbrokers 0.05 259.95
Ulster Bank 0.06 513.82
The Money Shop 0.06 376.54
RBS 0.06 448.96
Scottish Widows Inve​stment 0.06 1134.65
Isle of Man Bank Lim​ited 0.06 525.28
RBS International 0.07 291.65
Europe Arab Bank Plc​ 0.07 3241.37
Diners Club 0.07 2985.15
NatWest Bank 0.07 452.42
Capital One 0.07 39.54
C. Hoare &​ Co 0.07 1823.71
London Stock Exchang​e 0.07 675.97
Brown Shipley 0.07 603.14
Paragon Group 0.07 1113.65
Morgan Stanley &​ Co. International 0.08 674.09
ARVAL 0.08 880.06
Mortgage Next 0.08 246.41
Teachers Building So​ciety 0.08 4524.29
Yorkshire Building S​ociety 0.08 294.78
Skipton Building Soc​iety 0.08 340.94
Coventry Building So​ciety 0.08 706.77
PayPoint 0.08 615.53
HSBC Private Bank 0.08 335.42
Newbury Building Soc​iety 0.09 793.17
Visa UK 0.09 607.89
Halifax 0.09 160.45
Lloyds Bank Plc 0.09 302.46
Advantage Finance 0.09 778.88
Standard Chartered B​ank UK 0.09 774.39
Nationwide Building ​Society 0.09 927.82
Altium Capital 0.09 1039.53
Handelsbanken UK 0.09 605.00
Chelsea Building Soc​iety 0.10 231.49
DaimlerChrysler Fina​ncial Services 0.10 935.16
DNB Norbank 0.10 104.30
Cater Allen Private ​Bank 0.10 1592.34
Cofunds 0.10 817.05
Islamic Bank of Brit​ain 0.10 590.58
Ipswich Building Soc​iety 0.10 946.04
The West Brom 0.11 603.82
Agricultural Mortgag​e Corporation 0.11 613.70
Arbuthnot Banking Gr​oup 0.11 992.62
ClearDebt 0.11 369.03
Brewin Dolphin 0.11 510.60
Western Union UK 0.11 446.77
Santander UK 0.11 131.05
Newcastle Building S​ociety 0.11 662.08
Investec UK 0.11 1434.15
Cattles Limited 0.11 1252.84
Rathbones 0.12 440.76
Teachers Assurance 0.12 308.28
Bank of England 0.12 5587.96
The Co-Operative Ban​k 0.12 1221.69
BNP Paribas Leasing ​Solutions UK 0.12 1022.54
BIBBY Financial Serv​ices 0.12 2711.20
EBS Building Society​ 0.12 1337.80
Hitachi Capital 0.12 2181.29
Standard Life UK 0.12 460.50
State Bank of India ​UK 0.12 571.16
Deutsche Bank UK 0.13 729.27
Barclaycard 0.13 244.54
Intelligent Finance 0.13 607.12
Travelex UK 0.13 381.28
JPMorgan Chase 0.13 912.25
Harrington Brooks 0.14 207.06
Secure Trust Bank Pl​c 0.14 2117.53
Coutts &​ Co 0.14 1613.16
engage Mutual Assura​nce 0.14 1158.42
Moneyfacts.co.uk 0.15 161.51
Rabobank Internation​al 0.15 1166.01
Bank of Ireland 0.15 252.94
WH Ireland 0.15 621.31
Vanquis Bank 0.16 446.99
Cumberland Building ​Society 0.16 301.29
Darlington Building ​Society 0.16 504.77
Allied Irish Bank UK​ 0.17 1436.71
ABN AMRO Commercial ​Finance 0.17 256.22
First Response Finan​ce 0.17 367.99
Family Investments 0.17 1296.68
Mirabaud Securities ​(UK) 0.17 871.92
Bank of Scotland 0.17 464.82
Ecology Building Soc​iety 0.18 4132.57
Adam &​ Company 0.18 937.46
James Hay 0.18 1405.28
Ocean Finance 0.18 631.27
Nemo Personal Financ​e 0.18 227.80
First Trust Bank 0.18 978.09
Kensington Mortgages​ 0.19 751.41
Northern Trust 0.19 124.75
Weatherbys Bank 0.19 888.49
BNP Paribas UK 0.19 106.47
Financial Conduct Au​thority 0.19 126.42
Danske Bank UK 0.20 399.52
Bank of Ireland Mort​gages 0.20 449.54
Landesbank Hessen-Th​uringen 0.20 1073.26
Cheshire Building So​ciety 0.20 233.91
Bank of Montreal 0.21 372.98
Rothschild &​ Sons 0.21 1222.07
Tesco Bank 0.21 194.82
Bank of Cyprus UK 0.21 276.09
CCLA 0.22 854.89
Mercer UK 0.22 240.69
Nottingham Building ​Society 0.23 731.14
Experian 0.24 375.77
Debt Free Direct Gro​up 0.24 1354.72
Credit Suisse Group 0.24 1028.57
Standard Life Invest​ments 0.25 229.51
Jefferies Internatio​nal 0.25 270.81
M&​G Investments 0.26 767.05
Commerzbank UK 0.26 1171.88
Baines &​ Ernst 0.27 348.82
Investec Asset Manag​ement 0.28 296.36
Schroders 0.28 342.54
Societe Generale Pri​vate Banking UK 0.28 437.39
Charity Bank 0.29 1124.66
Butterfield Private ​Bank 0.30 176.29
Close Brothers Group​ Plc 0.31 1179.85
Cambridge Building S​ociety 0.31 1365.86
Loughborough Buildin​g Society 0.31 484.60
Bank of Tokyo Mitsub​ishi 0.32 145.97
MBNA Europe 0.33 289.61
Pershing Securities ​UK 0.33 245.47
Charles Stanley 0.33 840.74
UBS Investment Bank 0.34 829.99
ICICI Bank UK 0.34 274.82
Dexia Public Finance​ Bank 0.34 1358.53
British Bankers' Association 0.35 378.10
Building Societies A​ssociation 0.35 1403.58
Charles Schwab UK 0.36 70.53
Daiwa Capitals Marke​ts Europe Ltd 0.36 440.62
BlackRock 0.36 243.89
Old Mutual 0.40 95.64
Syscap 0.40 158.41
Metro Bank 0.40 1245.62
JCB Card Europe 0.42 96.32
Aberdeen Asset Manag​ement 0.43 142.80
LeasePlan UK 0.45 592.89
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.46 271.30
Nomura Bank Internat​ional 0.47 214.03
John Charcol 0.49 166.85
Airdrie Savings Bank​ 0.50 274.26
Macquarie Group Ltd 0.52 155.17
Invesco Perpetual 0.52 249.46
The Bank of East Asi​a UK 0.52 107.98
HSBC Bermuda 0.52 199.40
Principality Buildin​g Society 0.52 1036.22
Bank Leumi (UK) Plc 0.55 27.62
Quick Quid 0.58 310.66
Close Premium Financ​e 0.58 235.70
Siemens Financial Se​rvices Limited 0.63 1329.63
National Australia B​ank 0.63 415.44
Cash Converters 0.66 340.70
GMAC Financial Servi​ces 0.67 252.06
Westpac Banking Corp​oration UK 0.68 105.91
Harrods Bank Limited​ 0.72 911.78
Citibank UK 0.75 317.37
Bluefin 0.82 98.64
Duncan Lawrie Bank 0.87 659.53
Homeloan Management 0.93 428.17
Goldman Sachs Intern​ational 1.12 864.51
BNY Mellon UK 1.12 1229.54
Bank of China UK 2.00 16.29
Organisation A AA
BM Savings100.0079.20
Intelligent Finance100.0075.29
Nemo Personal Financ​e100.0022.00
BNP Paribas Leasing ​Solutions UK100.004.05
Barclaycard100.003.20
Bank of Ireland Mort​gages100.003.16
Barclays Bank100.000.80
Newcastle Building S​ociety100.000.80
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
Cheshire Building So​ciety100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
HSBC Private Bank100.000.00
Harrington Brooks100.000.00
JCB Card Europe100.000.00
James Hay100.000.00
John Charcol100.000.00
Julian Hodge Bank100.000.00
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
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
The Money Shop99.200.80
C. Hoare &​ Co99.200.00
Financial Conduct Au​thority99.200.00
Societe Generale Pri​vate Banking UK99.200.00
Yorkshire Building S​ociety99.200.00
First Response Finan​ce99.020.00
State Bank of India ​UK98.670.00
WH Ireland98.404.80
Credit Suisse Group98.400.00
BNY Mellon UK98.080.00
Brown Shipley97.600.00
Teachers Assurance97.600.00
UBS Investment Bank97.600.00
National Savings &​ Investments (ns&​i)97.530.00
Investec Asset Manag​ement96.9270.77
Bank of Tokyo Mitsub​ishi96.8015.20
Nomura Bank Internat​ional96.801.60
Charity Bank96.800.80
BlackRock96.800.00
Building Societies A​ssociation96.800.00
Cofunds96.800.00
Dexia Public Finance​ Bank96.800.00
Financial Ombudsman ​Service96.800.00
Lloyds Bank Plc96.800.00
TSB Bank Plc96.800.00
LeasePlan UK96.771.08
GE Capital96.551.72
Redmayne Bentley Sto​ckbrokers96.000.80
Bank Leumi (UK) Plc96.000.00
Scottish Widows Inve​stment96.000.00
Brewin Dolphin95.200.80
Secure Trust Bank Pl​c95.200.00
Airdrie Savings Bank​94.400.00
The Bank of East Asi​a UK93.850.00
Halifax93.602.40
Debt Free Direct Gro​up93.600.80
Macquarie Group Ltd93.600.80
Bank of Cyprus UK93.600.00
Northern Trust93.600.00
The Co-Operative Ban​k93.600.00
Advantage Finance93.590.00
Investec UK92.8015.20
Invesco Perpetual92.800.80
Agricultural Mortgag​e Corporation92.800.00
M&​G Investments92.800.00
Bank of Montreal91.200.00
Scottish Widows Bank​ plc91.200.00
NatWest Bank90.400.00
Allied Irish Bank UK​88.000.80
Standard Life UK88.000.00
Travelex UK88.000.00
Aberdeen Asset Manag​ement87.200.80
Rabobank Internation​al87.200.00
Rathbones87.200.00
Nationwide Building ​Society86.400.00
HSBC Bank85.6021.60
HSBC Bermuda85.600.00
Loughborough Buildin​g Society85.600.00
First Trust Bank84.800.00
DaimlerChrysler Fina​ncial Services83.200.00
Santander UK83.200.00
Siemens Financial Se​rvices Limited83.200.00
GMAC Financial Servi​ces82.400.80
ARVAL80.800.00
Ecology Building Soc​iety80.800.00
RBS80.800.00
Capital One80.000.00
Ulster Bank80.000.00
Clydesdale Bank79.200.00
Harrods Bank Limited​78.400.00
Leeds Building Socie​ty78.400.00
Pershing Securities ​UK77.320.00
Yorkshire Bank76.000.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe74.400.00
Experian73.600.80
Bank of Scotland73.600.00
M&​S Bank73.600.00
Mercer UK72.800.00
Mortgage Next72.000.00
Family Investments69.600.80
Metro Bank69.600.00
Western Union UK69.232.56
Isle of Man Bank Lim​ited68.800.00
engage Mutual Assura​nce68.000.80
Hitachi Capital68.000.00
Moneysupermarket68.000.00
Butterfield Private ​Bank64.520.00
Charles Schwab UK63.200.00
Dudley Building Soci​ety63.200.00
The West Brom63.200.00
Morgan Stanley &​ Co. International59.200.00
Altium Capital57.600.00
Commerzbank UK57.600.00
Adam &​ Company56.800.00
Cattles Limited54.400.00
Visa UK52.800.00
Close Premium Financ​e50.410.00
Arbuthnot Banking Gr​oup49.600.80
Rothschild &​ Sons43.200.00
Kensington Mortgages​42.401.60
ClearDebt42.400.00
Schroders41.600.00
Cater Allen Private ​Bank40.000.00
Quick Quid32.800.00
Diners Club29.760.00
Citibank UK28.8027.20
JPMorgan Chase28.000.00
Standard Life Invest​ments22.401.60
Handelsbanken UK18.400.80
ICICI Bank UK18.400.80
London Stock Exchang​e18.400.80
Bank of Ireland17.650.00
Sainsbury's Bank17.600.00
Charles Stanley16.000.80
Coventry Building So​ciety15.201.60
EBS Building Society​13.605.60
Bank of England12.800.00
Danske Bank UK12.000.00
Jefferies Internatio​nal11.200.00
MasterCard UK10.404.00
Smith &​ Williamson9.604.00
Cambridge Building S​ociety9.600.00
Goldman Sachs Intern​ational9.600.00
Baines &​ Ernst8.000.00
MBNA Europe8.000.00
Paragon Group7.847.84
Weatherbys Bank7.204.00
Smile6.400.80
Coutts &​ Co5.600.00
Nottingham Building ​Society4.000.00
More Than3.200.00
Duncan Lawrie Bank2.400.80
Teachers Building So​ciety2.400.80
Bluefin2.400.00
Ocean Finance2.400.00
PayPoint2.400.00
RBS International2.400.00
Homeloan Management1.600.00
Skipton Building Soc​iety1.600.00
Moneyfacts.co.uk0.800.80
Daiwa Capitals Marke​ts Europe Ltd0.800.00
European Bank0.800.00
Numis Securities0.800.00
Syscap0.800.00
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
National Australia B​ank0.000.00
Newbury Building Soc​iety0.000.00
Old Mutual0.000.00
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Error free sites

The following sites scored full marks for Function.

  • JCB Card Europe
  • Cheshire Building Society
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Bank of China UK
  • British Bankers' Association
  • CCLA
  • Darlington Building Society
  • Ipswich Building Society
  • Islamic Bank of Britain
  • National Australia Bank
  • Newbury Building Society
  • Old Mutual
  • 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
  • BCW Group
  • Brilliant Solutions
  • 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
  • ICBC UK
  • 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
  • Pink Home Loans
  • Volkswagen Financial Services UK
  • WestLB Mellon Asset Management (UK)
  • The Woolwich
  • Zenith Bank (UK) Limited
  • AIB Capital Markets
  • The Loans Engine
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PDF testing

40.9% 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
66.20%
url/fetch/errorstatus
Error status code received from web server
10.79%
url/fetch/noaddr
Host not found in DNS
4.36%
url/fetch/exception
Exception while downloading file
4.19%
file/image/badtype
Image file has incorrect type
3.81%
url/fetch/accessdenied
Access is denied
2.84%
url/fetch/timeout
Timeout downloading file
1.92%
url/fetch/noeoh
No end-of-headers found in HTTP response
1.17%
url/fetch/badscheme
URL scheme was unrecognised
1.10%
url/fetch/unknownstatus
Unknown status code received from web server
1.05%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
43.37%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.22%
file/html/unknownentity
Unknown entity name
8.80%
file/html/badentity
Invalid character in entity
8.50%
file/html/badvalue
Invalid attribute value
7.43%
file/html/missingclose
An element is missing the required close tag
4.25%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.62%
file/html/missingattr
A start tag is missing required attributes
2.04%
url/fetch/moved
A "301 Moved Permanently" response was received
1.94%
file/html/closingunopened
A redundant close tag was found
1.71%