2017 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    10 Jan 2017

  • Total URLs tested:

    281,668

  • Total tests run:

    91,951,834

  • Total number of PDF's:

    15,759

  • URLs failing functional tests:

    3.33%

  • Pages failing code standards:

    94.32%

  • Pages missing a title:

    4.45%

  • Pages failing accessibility level A:

    36.27%

  • Pages failing accessibility level AA:

    97.89%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 199,077 failures

  • Fastest average response time:

    Julian Hodge Bank (http://www.julianhodgebank.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)
Julian Hodge Bank 0.01 1189.65
Numis Securities 0.02 1056.41
Clydesdale Bank 0.02 556.20
BM Savings 0.02 267.73
Monmouthshire Buildi​ng Society 0.02 698.15
Financial Ombudsman ​Service 0.02 5112.99
GE Capital 0.02 932.70
Shore Capital 0.03 1273.14
Legal &​ General 0.03 1364.29
Yorkshire Bank 0.03 488.23
Barclays Bank 0.03 903.09
Moneysupermarket 0.03 439.34
M&​S Bank 0.04 488.54
Dudley Building Soci​ety 0.04 5466.15
TSB Bank Plc 0.04 1549.81
Landesbank Berlin 0.05 1787.84
Smith &​ Williamson 0.05 755.32
Redmayne Bentley Sto​ckbrokers 0.05 208.36
Ipswich Building Soc​iety 0.05 1398.18
Bank of Baroda UK 0.05 960.22
Scottish Widows Bank​ plc 0.05 499.64
RBS 0.05 636.10
The Co-Operative Ban​k 0.05 1664.45
Scottish Widows Inve​stment 0.05 544.87
Coventry Building So​ciety 0.06 880.36
Virgin Money 0.06 676.66
Isle of Man Bank Lim​ited 0.06 651.65
RBS International 0.06 308.99
HSBC Bank 0.06 15.41
Goldman Sachs Intern​ational 0.06 1151.52
Experian 0.06 509.68
Paragon Group 0.06 1075.01
BIBBY Financial Serv​ices 0.06 2305.88
Ocean Finance 0.06 920.36
Ulster Bank 0.06 361.55
NatWest Bank 0.07 512.67
London Stock Exchang​e 0.07 678.68
The Loans Engine 0.07 224.30
Teachers Building So​ciety 0.07 3778.13
Lloyds Bank Plc 0.07 468.43
Arbuthnot Banking Gr​oup 0.07 875.01
Harrods Bank Limited​ 0.07 878.76
Capital One 0.08 196.50
ARVAL 0.08 1114.53
Handelsbanken UK 0.08 440.40
Debt Free Direct Gro​up 0.08 398.89
Diners Club 0.08 3096.77
HSBC Private Bank 0.08 327.76
PayPoint 0.08 1186.46
Investec UK 0.08 2417.83
Sainsbury's Bank 0.08 1412.34
MasterCard UK 0.08 1268.42
More Than 0.09 1883.02
Yorkshire Building S​ociety 0.09 464.40
Cofunds 0.09 335.40
Newbury Building Soc​iety 0.09 592.40
Family Investments 0.09 1299.93
Adam &​ Company 0.09 1163.77
JPMorgan Chase 0.09 910.02
Europe Arab Bank Plc​ 0.09 3002.29
Western Union UK 0.09 434.22
Visa UK 0.09 647.85
engage Mutual Assura​nce 0.09 1328.09
The West Brom 0.09 856.88
M&​G Investments 0.10 797.95
C. Hoare &​ Co 0.10 1637.67
Morgan Stanley &​ Co. International 0.10 514.65
Nationwide Building ​Society 0.10 754.24
Agricultural Mortgag​e Corporation 0.10 575.43
Halifax 0.10 185.20
EBS Building Society​ 0.10 2873.71
Moneyextra.com 0.10 222.22
The Money Shop 0.11 423.98
European Bank 0.11 1841.28
Financial Conduct Au​thority 0.11 3984.50
Cater Allen Private ​Bank 0.11 1094.83
Rathbones 0.11 461.49
Intelligent Finance 0.11 738.77
Cattles Limited 0.12 1184.98
John Charcol 0.12 393.88
AIB Capital Markets 0.12 1249.71
Metro Bank 0.12 1931.91
Coutts &​ Co 0.12 1585.44
Bank of Scotland 0.12 472.44
Brown Shipley 0.13 746.32
Mortgage Intelligenc​e 0.13 385.26
Brewin Dolphin 0.13 828.55
Standard Chartered B​ank UK 0.13 1683.94
Bank of Ireland 0.13 456.96
Allied Irish Bank UK​ 0.13 931.14
The Nottingham 0.13 681.97
Standard Life UK 0.13 147.60
First Trust Bank 0.13 903.05
Santander UK 0.13 137.29
Islamic Bank of Brit​ain 0.14 621.32
State Bank of India ​UK 0.14 430.11
Travelex UK 0.14 408.41
Newcastle Building S​ociety 0.14 650.88
Teachers Assurance 0.14 359.01
Darlington Building ​Society 0.14 236.29
Shawbrook 0.15 1699.49
DNB Norbank 0.15 107.21
Rabobank Internation​al 0.15 660.83
Deutsche Bank UK 0.15 419.61
Bank of Ireland Mort​gages 0.15 713.73
Hitachi Capital 0.16 3799.20
Leeds Building Socie​ty 0.16 439.74
Bank of Cyprus UK 0.16 525.37
Bank of England 0.16 4216.29
Standard Life Invest​ments 0.16 531.86
First Response Finan​ce 0.16 394.54
Aldermore 0.16 533.83
Ecology Building Soc​iety 0.16 1757.53
WH Ireland 0.16 2189.55
CCLA 0.16 1197.38
Skipton Building Soc​iety 0.17 377.28
National Savings &​ Investments (ns&​i) 0.17 2421.27
Cumberland Building ​Society 0.17 1155.30
Commerzbank UK 0.17 2129.22
Pershing Securities ​UK 0.17 232.89
Mirabaud Securities ​(UK) 0.17 1264.87
Tesco Bank 0.18 231.94
ABN AMRO Commercial ​Finance 0.19 232.60
Barclaycard 0.19 767.32
Kensington Mortgages​ 0.19 644.24
Danske Bank UK 0.20 316.01
Northern Trust 0.20 130.45
Smile 0.20 644.02
National Australia B​ank 0.21 442.12
BlackRock 0.21 338.21
Siemens Financial Se​rvices Limited 0.21 187.76
BNP Paribas Leasing ​Solutions UK 0.21 1026.95
Bank of Montreal 0.22 146.36
Credit Suisse Group 0.22 2036.50
Vanquis Bank 0.22 523.41
Rothschild &​ Sons 0.23 1018.31
Chelsea Building Soc​iety 0.23 195.03
Jefferies Internatio​nal 0.24 203.14
Principality Buildin​g Society 0.24 1081.98
ClearDebt 0.25 498.27
BNP Paribas UK 0.25 99.41
James Hay 0.26 1049.49
Societe Generale Pri​vate Banking UK 0.26 654.62
Old Mutual 0.26 1021.77
Cash Converters 0.27 173.61
Weatherbys Bank 0.28 624.28
Butterfield Private ​Bank 0.28 194.74
Charity Bank 0.28 3200.42
Moneyfacts.co.uk 0.29 148.15
Schroders 0.29 305.14
Harrington Brooks 0.30 132.88
British Bankers' Association 0.30 417.64
Close Brothers Group​ Plc 0.30 444.22
Landesbank Hessen-Th​uringen 0.30 1475.21
Secure Trust Bank Pl​c 0.31 5574.23
ICICI Bank UK 0.32 328.58
Syscap 0.33 149.36
MBNA Europe 0.34 296.91
Daiwa Capitals Marke​ts Europe Ltd 0.34 494.13
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.36 279.96
UBS Investment Bank 0.36 794.45
Computershare 0.37 494.21
Bank of Tokyo Mitsub​ishi 0.38 107.80
Duncan Lawrie Bank 0.39 848.82
Building Societies A​ssociation 0.39 2505.42
Cambridge Building S​ociety 0.40 1581.24
Charles Stanley 0.41 659.41
Mercer UK 0.41 337.48
Charles Schwab UK 0.42 80.91
JCB Card Europe 0.42 113.77
Advantage Finance 0.44 578.46
Baines &​ Ernst 0.44 327.67
Nomura Bank Internat​ional 0.44 226.17
Bank Leumi (UK) Plc 0.50 42.66
Close Premium Financ​e 0.51 203.44
Macquarie Group Ltd 0.51 151.41
Aberdeen Asset Manag​ement 0.52 138.96
Invesco Perpetual 0.54 141.83
Investec Asset Manag​ement 0.55 346.84
Airdrie Savings Bank​ 0.56 295.53
HSBC Bermuda 0.56 187.65
LeasePlan UK 0.61 356.54
Loughborough Buildin​g Society 0.65 199.68
GMAC Financial Servi​ces 0.65 307.01
Quick Quid 0.69 196.62
Westpac Banking Corp​oration UK 0.73 375.23
BNY Mellon UK 0.77 1881.07
Bluefin 0.78 144.49
Citibank UK 0.91 355.01
Bank of China UK 1.08 9.74
Organisation A AA
Intelligent Finance100.0073.26
BM Savings100.0069.60
Julian Hodge Bank100.0025.00
Cumberland Building ​Society100.001.60
Barclaycard100.000.80
Newcastle Building S​ociety100.000.80
ABN AMRO Commercial ​Finance100.000.00
BNP Paribas UK100.000.00
Bank of Baroda UK100.000.00
Bank of Ireland Mort​gages100.000.00
Barclays Bank100.000.00
Chelsea Building Soc​iety100.000.00
Close Brothers Group​ Plc100.000.00
Credit Suisse Group100.000.00
DNB Norbank100.000.00
Financial Conduct Au​thority100.000.00
HSBC Private Bank100.000.00
JCB Card Europe100.000.00
James Hay100.000.00
John Charcol100.000.00
Landesbank Berlin100.000.00
Landesbank Hessen-Th​uringen100.000.00
Legal &​ General100.000.00
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
Shore Capital100.000.00
Societe Generale Pri​vate Banking UK100.000.00
Standard Chartered B​ank UK100.000.00
Tesco Bank100.000.00
Vanquis Bank100.000.00
WH Ireland99.204.80
BIBBY Financial Serv​ices99.200.80
Cash Converters99.200.80
ClearDebt99.200.80
The Money Shop99.200.80
C. Hoare &​ Co99.200.00
Capital One99.200.00
Cofunds99.200.00
First Response Finan​ce99.200.00
National Savings &​ Investments (ns&​i)98.890.00
State Bank of India ​UK98.550.00
Siemens Financial Se​rvices Limited98.400.00
UBS Investment Bank98.400.00
BNY Mellon UK98.360.00
BNP Paribas Leasing ​Solutions UK98.082.88
Teachers Assurance97.602.40
Brown Shipley97.600.00
Lloyds Bank Plc97.600.00
Virgin Money96.8013.60
Yorkshire Building S​ociety96.800.00
LeasePlan UK96.511.16
GE Capital96.361.82
Bank of Tokyo Mitsub​ishi96.0012.80
Metro Bank96.000.80
Redmayne Bentley Sto​ckbrokers96.000.80
Charity Bank96.000.00
TSB Bank Plc96.000.00
Airdrie Savings Bank​95.830.00
Investec Asset Manag​ement95.3870.77
Nomura Bank Internat​ional95.204.80
Financial Ombudsman ​Service95.200.00
Westpac Banking Corp​oration UK95.200.00
Bank of Cyprus UK94.400.00
BlackRock94.400.00
Advantage Finance93.750.00
Halifax93.601.60
Agricultural Mortgag​e Corporation92.800.00
ARVAL92.000.00
Bank of Scotland92.000.00
Northern Trust92.000.00
Ulster Bank91.200.00
Investec UK90.4015.20
Ocean Finance90.400.80
Scottish Widows Inve​stment89.607.20
M&​G Investments89.600.00
NatWest Bank89.600.00
The Co-Operative Ban​k89.600.00
Nationwide Building ​Society88.800.80
Building Societies A​ssociation88.800.00
Standard Life UK88.800.00
Scottish Widows Bank​ plc88.0016.00
Bank of Montreal88.004.80
Santander UK88.001.60
Aberdeen Asset Manag​ement88.000.80
Rathbones87.200.80
Macquarie Group Ltd86.400.80
RBS86.400.00
Travelex UK86.400.00
Aldermore85.600.00
HSBC Bermuda85.330.00
GMAC Financial Servi​ces84.809.60
Allied Irish Bank UK​84.800.80
M&​S Bank84.000.00
Rabobank Internation​al84.000.00
First Trust Bank83.200.00
Harrods Bank Limited​83.200.00
Brewin Dolphin81.600.80
The Loans Engine81.001.00
AIB Capital Markets80.004.80
Invesco Perpetual80.000.80
Pershing Securities ​UK79.790.00
Moneysupermarket79.201.60
HSBC Bank79.200.80
Mortgage Intelligenc​e79.200.00
Adam &​ Company77.610.00
Ecology Building Soc​iety76.801.60
Clydesdale Bank76.800.00
Bank Leumi (UK) Plc75.200.00
Isle of Man Bank Lim​ited75.200.00
Sainsbury's Bank75.200.00
Yorkshire Bank73.600.00
Mercer UK72.800.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe72.800.00
Hitachi Capital70.400.00
Family Investments68.802.40
engage Mutual Assura​nce67.202.40
Cattles Limited65.600.00
Charles Schwab UK64.000.00
The West Brom61.600.00
Goldman Sachs Intern​ational60.000.00
Butterfield Private ​Bank59.290.00
Debt Free Direct Gro​up53.600.00
Quick Quid52.000.00
Visa UK51.200.80
Dudley Building Soci​ety50.400.80
Close Premium Financ​e50.400.00
Arbuthnot Banking Gr​oup49.600.80
More Than48.000.00
Morgan Stanley &​ Co. International43.200.00
Rothschild &​ Sons43.200.00
Kensington Mortgages​36.800.80
Cater Allen Private ​Bank36.000.00
Leeds Building Socie​ty32.000.00
Diners Club31.400.00
Citibank UK28.0027.20
Schroders28.0012.80
JPMorgan Chase24.800.00
Smith &​ Williamson24.000.00
Moneyextra.com22.400.00
ICICI Bank UK21.600.80
London Stock Exchang​e20.000.80
National Australia B​ank19.200.00
Bank of Ireland18.000.00
Experian17.600.80
Western Union UK15.913.41
Bank of England15.200.00
Charles Stanley14.400.80
Jefferies Internatio​nal13.604.00
Handelsbanken UK12.800.00
EBS Building Society​12.005.60
Weatherbys Bank9.606.40
Duncan Lawrie Bank9.602.40
Commerzbank UK9.600.00
Danske Bank UK8.800.00
Baines &​ Ernst8.000.00
Computershare8.000.00
Paragon Group7.697.69
MBNA Europe5.600.00
Standard Life Invest​ments4.801.60
Old Mutual4.003.20
Skipton Building Soc​iety4.001.60
Cambridge Building S​ociety4.000.80
Secure Trust Bank Pl​c4.000.00
Bluefin3.200.00
Coutts &​ Co3.200.00
PayPoint3.200.00
RBS International2.400.00
Syscap2.400.00
Bank of China UK1.601.60
Teachers Building So​ciety1.600.80
Harrington Brooks1.600.00
Shawbrook1.600.00
Smile1.600.00
The Nottingham1.600.00
Daiwa Capitals Marke​ts Europe Ltd0.800.00
European Bank0.800.00
Islamic Bank of Brit​ain0.800.00
Numis Securities0.800.00
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
Ipswich Building Soc​iety0.000.00
MasterCard UK0.000.00
Moneyfacts.co.uk0.000.00
Newbury Building Soc​iety0.000.00
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Error free sites

The following sites scored full marks for Function.

  • JCB Card Europe
  • Landesbank Berlin
  • The Loans Engine
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • British Bankers' Association
  • CCLA
  • Coventry Building Society
  • Darlington Building Society
  • Ipswich Building Society
  • MasterCard UK
  • 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
  • BCW Group
  • Brilliant Solutions
  • Britannia Building Society
  • Cahoot
  • Capital Resolve
  • Cheltenham & Gloucester
  • Citigroup Global Markets Limited
  • DaimlerChrysler Financial Services
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • Foresters UK
  • GE Money
  • Gulf International Bank
  • HFC Bank
  • The Bank of East Asia UK
  • ICBC UK
  • Bank Leumi (Jersey) Limited
  • MoneyGram International
  • Mortgage Force
  • Mortgages plc
  • Mortgage Trust
  • Nemo Personal Finance
  • 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
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PDF testing

44.9% 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
64.16%
url/fetch/errorstatus
Error status code received from web server
15.27%
url/fetch/noaddr
Host not found in DNS
5.22%
file/image/badtype
Image file has incorrect type
3.62%
url/fetch/unknownstatus
Unknown status code received from web server
2.23%
url/fetch/accessdenied
Access is denied
2.16%
url/fetch/timeout
Timeout downloading file
1.48%
url/fetch/badscheme
URL scheme was unrecognised
1.42%
url/fetch/redirectloop
Redirect points back to the original page
1.29%
url/fetch/exception
Exception while downloading file
1.17%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
42.28%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.94%
file/html/unknownentity
Unknown entity name
8.24%
file/html/badentity
Invalid character in entity
7.95%
file/html/badvalue
Invalid attribute value
7.80%
file/html/missingclose
An element is missing the required close tag
4.49%
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
2.45%
url/fetch/moved
A "301 Moved Permanently" response was received
2.30%
file/html/closingunopened
A redundant close tag was found
1.82%