2016 Q4/UK Consumer Finance


Summary

Full results


Expand / contract icon

INDEX Facts

  • Completed date:

    08 Oct 2016

  • Total URLs tested:

    292,957

  • Total tests run:

    95,653,337

  • Total number of PDF's:

    17,012

  • URLs failing functional tests:

    3.19%

  • Pages failing code standards:

    94.74%

  • Pages missing a title:

    4.38%

  • Pages failing accessibility level A:

    34.43%

  • Pages failing accessibility level AA:

    98.00%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 196,466 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 0.01 191.41
Julian Hodge Bank 0.01 1104.57
Monmouthshire Buildi​ng Society 0.02 960.31
Yorkshire Bank 0.02 431.05
Numis Securities 0.02 107.69
Financial Ombudsman ​Service 0.02 4123.59
GE Capital 0.02 902.89
National Savings &​ Investments (ns&​i) 0.03 2797.86
Clydesdale Bank 0.03 443.21
Smile 0.03 1226.14
Shore Capital 0.03 845.91
Legal &​ General 0.04 866.33
M&​S Bank 0.04 541.79
TSB Bank Plc 0.04 1857.83
More Than 0.04 989.79
Dudley Building Soci​ety 0.04 5360.05
Coventry Building So​ciety 0.05 702.17
Diners Club 0.05 2912.05
Barclays Bank 0.05 528.28
Smith &​ Williamson 0.05 1165.90
Landesbank Berlin 0.05 1562.59
Redmayne Bentley Sto​ckbrokers 0.05 224.50
HSBC Bank 0.05 24.46
RBS International 0.06 277.17
Leeds Building Socie​ty 0.06 800.52
Scottish Widows Bank​ plc 0.06 419.07
Ulster Bank 0.06 417.17
Isle of Man Bank Lim​ited 0.06 629.01
Moneysupermarket 0.06 397.65
Ocean Finance 0.06 552.00
RBS 0.06 498.86
Virgin Money 0.06 383.30
Morgan Stanley &​ Co. International 0.07 731.87
Paragon Group 0.07 1251.35
Scottish Widows Inve​stment 0.07 923.45
NatWest Bank 0.07 425.69
BIBBY Financial Serv​ices 0.07 1276.33
Capital One 0.07 24.99
Teachers Building So​ciety 0.07 1697.10
DaimlerChrysler Fina​ncial Services 0.07 1018.84
London Stock Exchang​e 0.07 622.70
Ipswich Building Soc​iety 0.07 922.36
Debt Free Direct Gro​up 0.08 368.44
Skipton Building Soc​iety 0.08 364.43
Harrods Bank Limited​ 0.08 726.56
European Bank 0.08 2925.42
C. Hoare &​ Co 0.08 1778.47
ARVAL 0.08 712.60
engage Mutual Assura​nce 0.09 929.21
CCLA 0.09 836.54
The Loans Engine 0.09 172.13
Newbury Building Soc​iety 0.09 586.36
Advantage Finance 0.09 584.23
Handelsbanken UK 0.09 362.52
Sainsbury's Bank 0.09 873.26
Moneyextra.com 0.09 262.37
Visa UK 0.09 655.26
Arbuthnot Banking Gr​oup 0.09 901.09
Travelex UK 0.10 406.76
PayPoint 0.10 1029.77
Halifax 0.10 129.87
Europe Arab Bank Plc​ 0.10 3021.18
Lloyds Bank Plc 0.10 318.43
Cofunds 0.10 652.78
Goldman Sachs Intern​ational 0.10 718.64
Cater Allen Private ​Bank 0.10 1493.70
Mortgage Next 0.10 215.04
Financial Conduct Au​thority 0.10 2573.50
The West Brom 0.11 466.41
Santander UK 0.11 139.95
Deutsche Bank UK 0.11 1039.43
Family Investments 0.11 862.63
Cattles Limited 0.11 1185.00
Intelligent Finance 0.11 598.19
Yorkshire Building S​ociety 0.11 246.35
Nationwide Building ​Society 0.11 856.89
JPMorgan Chase 0.11 809.84
Islamic Bank of Brit​ain 0.12 475.56
Brewin Dolphin 0.12 618.57
The Co-Operative Ban​k 0.12 896.84
Coutts &​ Co 0.12 1453.16
Rathbones 0.12 395.07
HSBC Private Bank 0.12 238.02
BNP Paribas Leasing ​Solutions UK 0.12 775.16
EBS Building Society​ 0.12 1123.88
Hitachi Capital 0.12 2249.47
Agricultural Mortgag​e Corporation 0.12 386.31
Teachers Assurance 0.13 257.92
Western Union UK 0.13 343.25
Shawbrook 0.14 2024.87
Barclaycard 0.14 159.51
Ecology Building Soc​iety 0.14 3492.67
AIB Capital Markets 0.14 1343.07
Bank of Scotland 0.14 371.43
Mercer UK 0.14 235.89
First Response Finan​ce 0.14 322.35
Standard Life UK 0.14 307.21
DNB Norbank 0.14 100.32
First Trust Bank 0.14 780.02
Brown Shipley 0.15 562.30
Rabobank Internation​al 0.15 931.25
Bank of Ireland 0.15 272.38
State Bank of India ​UK 0.15 690.59
Bank of England 0.15 5009.58
Newcastle Building S​ociety 0.16 1016.18
Metro Bank 0.16 1269.13
Experian 0.16 501.44
Bank of Montreal 0.17 108.14
Investec UK 0.17 1182.97
Bank of Cyprus UK 0.17 534.75
MasterCard UK 0.17 802.96
ClearDebt 0.17 354.35
James Hay 0.17 1120.07
Mirabaud Securities ​(UK) 0.17 881.01
ABN AMRO Commercial ​Finance 0.17 228.42
Nemo Personal Financ​e 0.17 224.45
Pershing Securities ​UK 0.17 188.27
Vanquis Bank 0.18 315.49
WH Ireland 0.18 1768.79
Allied Irish Bank UK​ 0.18 1033.61
Societe Generale Pri​vate Banking UK 0.18 367.44
The Money Shop 0.18 1184.41
Adam &​ Company 0.18 774.38
Bank of Ireland Mort​gages 0.18 442.10
Tesco Bank 0.18 324.15
The Nottingham 0.20 583.74
Rothschild &​ Sons 0.20 941.45
Northern Trust 0.20 103.80
Commerzbank UK 0.21 1478.52
Standard Chartered B​ank UK 0.21 734.60
Kensington Mortgages​ 0.22 494.12
Darlington Building ​Society 0.23 156.84
BNP Paribas UK 0.24 93.92
Aldermore 0.24 306.13
Danske Bank UK 0.24 305.82
Butterfield Private ​Bank 0.25 178.82
Jefferies Internatio​nal 0.25 208.48
Bank of Baroda UK 0.25 1073.19
M&​G Investments 0.26 680.79
Landesbank Hessen-Th​uringen 0.27 94.33
Cash Converters 0.27 329.76
British Bankers' Association 0.28 313.02
Charity Bank 0.28 1462.39
Bank Leumi (UK) Plc 0.29 32.72
Moneyfacts.co.uk 0.30 132.31
Credit Suisse Group 0.31 625.36
Schroders 0.31 324.00
Building Societies A​ssociation 0.32 1413.23
John Charcol 0.32 513.99
Close Brothers Group​ Plc 0.32 682.03
Secure Trust Bank Pl​c 0.32 2005.75
Daiwa Capitals Marke​ts Europe Ltd 0.33 305.66
Cambridge Building S​ociety 0.33 1185.72
MBNA Europe 0.33 254.97
ICICI Bank UK 0.34 310.96
Siemens Financial Se​rvices Limited 0.34 1163.26
Baines &​ Ernst 0.35 291.54
Weatherbys Bank 0.35 626.37
UBS Investment Bank 0.36 756.68
Harrington Brooks 0.37 159.58
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.37 262.08
Charles Schwab UK 0.38 77.95
Syscap 0.38 129.59
Charles Stanley 0.39 638.00
Duncan Lawrie Bank 0.39 894.13
Investec Asset Manag​ement 0.40 319.32
Old Mutual 0.40 145.05
Bank of Tokyo Mitsub​ishi 0.43 114.19
JCB Card Europe 0.44 92.00
BlackRock 0.45 309.32
Nomura Bank Internat​ional 0.45 220.20
Close Premium Financ​e 0.48 278.88
The Bank of East Asi​a UK 0.48 110.06
Macquarie Group Ltd 0.49 122.37
Invesco Perpetual 0.50 267.20
Chelsea Building Soc​iety 0.51 226.67
Aberdeen Asset Manag​ement 0.51 114.95
HSBC Bermuda 0.52 182.46
Quick Quid 0.52 339.80
Airdrie Savings Bank​ 0.53 262.48
LeasePlan UK 0.53 240.26
Standard Life Invest​ments 0.57 436.29
National Australia B​ank 0.58 309.42
GMAC Financial Servi​ces 0.64 306.45
Loughborough Buildin​g Society 0.64 190.86
Citibank UK 0.71 242.10
Principality Buildin​g Society 0.71 970.15
Bank of China UK 0.76 16.52
Westpac Banking Corp​oration UK 0.80 384.60
BNY Mellon UK 0.82 922.66
Bluefin 0.86 89.53
Homeloan Management 1.45 392.49
Cumberland Building ​Society 2.28 280.02
Organisation A AA
BM Savings100.0076.00
Intelligent Finance100.0075.29
Nemo Personal Financ​e100.0022.00
Julian Hodge Bank100.0015.79
BNP Paribas Leasing ​Solutions UK100.003.03
Barclaycard100.001.60
Legal &​ General100.001.60
Newcastle Building S​ociety100.000.80
ABN AMRO Commercial ​Finance100.000.00
BNP Paribas UK100.000.00
Bank of Baroda UK100.000.00
Bank of Ireland Mort​gages100.000.00
Barclays Bank100.000.00
Cash Converters100.000.00
Chelsea Building Soc​iety100.000.00
Close Brothers Group​ Plc100.000.00
DNB Norbank100.000.00
Financial Conduct Au​thority100.000.00
HSBC Private Bank100.000.00
Harrington Brooks100.000.00
JCB Card Europe100.000.00
James Hay100.000.00
Landesbank Berlin100.000.00
Landesbank Hessen-Th​uringen100.000.00
Loughborough Buildin​g Society100.000.00
Mirabaud Securities ​(UK)100.000.00
Monmouthshire Buildi​ng Society100.000.00
Principality Buildin​g Society 100.000.00
Shawbrook100.000.00
Shore Capital100.000.00
Standard Chartered B​ank UK100.000.00
Vanquis Bank100.000.00
WH Ireland99.204.80
BIBBY Financial Serv​ices99.200.80
ClearDebt99.200.80
The Money Shop99.200.80
C. Hoare &​ Co99.200.00
Capital One99.200.00
Cumberland Building ​Society99.200.00
Metro Bank99.200.00
Tesco Bank99.200.00
Yorkshire Building S​ociety99.200.00
First Response Finan​ce99.150.00
State Bank of India ​UK98.650.00
BNY Mellon UK98.460.00
Virgin Money98.403.20
Cofunds98.400.00
Credit Suisse Group98.400.00
Financial Ombudsman ​Service98.400.00
Societe Generale Pri​vate Banking UK98.400.00
UBS Investment Bank98.400.00
Bank of Tokyo Mitsub​ishi97.6014.40
Brown Shipley97.600.00
Lloyds Bank Plc97.600.00
TSB Bank Plc97.600.00
Teachers Assurance97.600.00
National Savings &​ Investments (ns&​i)97.590.00
LeasePlan UK96.471.18
GE Capital96.361.82
Halifax96.001.60
Brewin Dolphin96.000.80
Redmayne Bentley Sto​ckbrokers96.000.80
Charity Bank96.000.00
Investec Asset Manag​ement95.3870.77
Bank Leumi (UK) Plc95.200.00
Westpac Banking Corp​oration UK95.200.00
Macquarie Group Ltd94.400.80
Airdrie Savings Bank​94.400.00
Bank of Cyprus UK94.400.00
The Bank of East Asi​a UK94.370.00
Nomura Bank Internat​ional93.604.00
Standard Life UK93.600.00
The Co-Operative Ban​k93.600.00
Advantage Finance93.590.00
Scottish Widows Inve​stment92.802.40
ARVAL92.800.00
Agricultural Mortgag​e Corporation92.800.00
Northern Trust92.800.00
Ulster Bank92.800.00
Investec UK92.0015.20
BlackRock92.000.00
RBS92.000.00
M&​G Investments91.200.00
Sainsbury's Bank91.200.00
Allied Irish Bank UK​89.600.80
NatWest Bank89.600.00
Invesco Perpetual88.801.60
Rabobank Internation​al88.800.00
Aberdeen Asset Manag​ement88.000.80
Building Societies A​ssociation88.000.00
Travelex UK88.000.00
Nationwide Building ​Society87.200.00
Rathbones87.200.00
Scottish Widows Bank​ plc86.403.20
Bank of Montreal85.601.60
Santander UK85.600.00
HSBC Bermuda85.580.00
Family Investments84.802.40
engage Mutual Assura​nce84.802.40
Moneysupermarket84.800.80
First Trust Bank84.800.00
GMAC Financial Servi​ces83.205.60
DaimlerChrysler Fina​ncial Services83.200.00
Harrods Bank Limited​83.200.00
Siemens Financial Se​rvices Limited83.200.00
Aldermore82.400.00
Secure Trust Bank Pl​c82.400.00
Pershing Securities ​UK81.720.00
The Loans Engine81.001.00
HSBC Bank80.8025.60
AIB Capital Markets78.404.00
Bank of Scotland78.400.00
Adam &​ Company76.800.00
Clydesdale Bank76.800.00
Isle of Man Bank Lim​ited76.000.00
Experian74.402.40
M&​S Bank73.600.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe73.600.00
Yorkshire Bank72.000.00
Hitachi Capital71.200.00
Mortgage Next71.200.00
Mercer UK68.800.00
The West Brom68.800.00
Ecology Building Soc​iety66.400.80
Leeds Building Socie​ty66.400.80
Charles Schwab UK63.200.00
Butterfield Private ​Bank62.180.00
Commerzbank UK60.000.00
Dudley Building Soci​ety57.600.00
Ocean Finance55.200.00
Cattles Limited54.400.00
Morgan Stanley &​ Co. International54.400.00
Close Premium Financ​e50.400.00
Arbuthnot Banking Gr​oup49.600.80
Visa UK49.600.00
Debt Free Direct Gro​up48.000.00
Rothschild &​ Sons44.000.00
Kensington Mortgages​43.201.60
Cater Allen Private ​Bank40.800.80
Quick Quid37.600.00
JPMorgan Chase34.400.00
Diners Club31.400.00
Citibank UK28.8028.00
Schroders23.200.00
Moneyextra.com20.800.00
National Australia B​ank19.200.00
London Stock Exchang​e18.400.80
Bank of Ireland17.650.00
Coventry Building So​ciety15.201.60
Charles Stanley14.400.80
ICICI Bank UK14.400.80
EBS Building Society​13.605.60
Western Union UK12.352.47
Handelsbanken UK12.000.80
Bank of England12.000.00
Old Mutual11.203.20
Jefferies Internatio​nal10.404.00
Weatherbys Bank9.606.40
Danske Bank UK9.600.00
Duncan Lawrie Bank8.802.40
Smith &​ Williamson8.004.00
Paragon Group7.557.55
Baines &​ Ernst7.200.00
Cambridge Building S​ociety7.200.00
Coutts &​ Co7.200.00
MBNA Europe7.200.00
Standard Life Invest​ments6.401.60
Smile6.400.80
Goldman Sachs Intern​ational5.600.00
Skipton Building Soc​iety4.801.60
The Nottingham4.800.00
PayPoint4.000.00
More Than3.200.80
Bluefin3.200.00
RBS International2.400.00
Teachers Building So​ciety1.600.80
Daiwa Capitals Marke​ts Europe Ltd1.600.00
Homeloan Management1.600.00
MasterCard UK1.600.00
Syscap1.600.00
Moneyfacts.co.uk0.800.80
European Bank0.800.00
Numis Securities0.800.00
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
John Charcol0.000.00
Newbury Building Soc​iety0.000.00
Expand / contract icon

Error free sites

The following sites scored full marks for Function.

  • The Loans Engine
Expand / contract icon

Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Bank of China UK
  • British Bankers' Association
  • CCLA
  • John Charcol
  • Darlington Building Society
  • Ipswich Building Society
  • Islamic Bank of Britain
  • Newbury Building Society
  • Deutsche Bank UK
  • Europe Arab Bank Plc
Expand / contract icon

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
  • 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
  • Cheshire Building Society
  • Pink Home Loans
  • Dexia Public Finance Bank
  • Volkswagen Financial Services UK
  • WestLB Mellon Asset Management (UK)
  • The Woolwich
  • Zenith Bank (UK) Limited
  • GCA Altium
Expand / contract icon

PDF testing

42.2% 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.

Expand / contract icon

Top ten functional failures

The most common categories of functional failure.

url/fetch/notfound
File not found
64.86%
url/fetch/errorstatus
Error status code received from web server
14.86%
url/fetch/noaddr
Host not found in DNS
4.82%
file/image/badtype
Image file has incorrect type
3.80%
url/fetch/accessdenied
Access is denied
2.74%
url/fetch/unknownstatus
Unknown status code received from web server
1.78%
url/fetch/badscheme
URL scheme was unrecognised
1.59%
url/fetch/timeout
Timeout downloading file
1.37%
url/fetch/redirectloop
Redirect points back to the original page
1.21%
url/fetch/noeoh
No end-of-headers found in HTTP response
1.06%
Expand / contract icon

Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
42.32%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
12.80%
file/html/unknownentity
Unknown entity name
8.61%
file/html/badentity
Invalid character in entity
8.37%
file/html/badvalue
Invalid attribute value
8.24%
file/html/missingclose
An element is missing the required close tag
4.43%
file/html/unknowntag
A start or end tag was found which was unrecognised
4.23%
file/html/missingattr
A start tag is missing required attributes
2.55%
url/fetch/moved
A "301 Moved Permanently" response was received
2.20%
file/html/closingunopened
A redundant close tag was found
1.95%