2017 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    08 Apr 2017

  • Total URLs tested:

    292,587

  • Total tests run:

    95,537,377

  • Total number of PDF's:

    17,177

  • URLs failing functional tests:

    3.67%

  • Pages failing code standards:

    94.51%

  • Pages missing a title:

    2.97%

  • Pages failing accessibility level A:

    95.11%

  • Pages failing accessibility level AA:

    40.03%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 210,691 failures

  • Fastest average response time:

    Monmouthshire Building Society (http://www.monbs.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 2.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
Monmouthshire Buildi​ng Society 0.02 1620.35
Julian Hodge Bank 0.02 1182.82
BM Savings 0.02 256.54
Numis Securities 0.02 1222.86
Shore Capital 0.03 1099.11
Yorkshire Bank 0.03 2151.02
Legal &​ General 0.03 1047.83
Santander UK 0.03 137.12
Clydesdale Bank 0.03 825.50
European Bank 0.03 4169.07
Financial Ombudsman ​Service 0.04 3416.05
M&​S Bank 0.04 493.63
Barclays Bank 0.04 806.98
Lloyds Bank Plc 0.04 387.77
TSB Bank Plc 0.04 2225.66
EBS Building Society​ 0.04 1268.24
Dudley Building Soci​ety 0.04 8192.00
Ipswich Building Soc​iety 0.05 1160.07
Bank of Scotland 0.05 847.92
Diners Club 0.05 3378.55
Scottish Widows Inve​stment 0.05 462.04
Landesbank Berlin 0.05 1725.64
Leeds Building Socie​ty 0.05 598.82
Halifax 0.05 163.87
Smith &​ Williamson 0.05 1153.69
Experian 0.05 484.55
Darlington Building ​Society 0.06 382.08
Bank of Baroda UK 0.06 1130.25
Scottish Widows Bank​ plc 0.06 516.14
RBS 0.06 598.15
Isle of Man Bank Lim​ited 0.06 643.31
RBS International 0.06 286.66
BIBBY Financial Serv​ices 0.06 4158.62
Teachers Building So​ciety 0.06 8192.00
Moneysupermarket 0.06 268.68
Morgan Stanley &​ Co. International 0.07 1391.79
MasterCard UK 0.07 922.81
NatWest Bank 0.07 485.84
Capital One 0.07 250.62
Redmayne Bentley Sto​ckbrokers 0.07 724.85
Ulster Bank 0.07 432.72
Coventry Building So​ciety 0.07 902.72
Virgin Money 0.07 683.27
Visa UK 0.07 645.10
Europe Arab Bank Plc​ 0.07 3279.23
ARVAL 0.07 928.84
Debt Free Direct Gro​up 0.08 431.05
Family Investments 0.08 1123.29
Cofunds 0.08 316.43
Paragon Group 0.08 1070.99
The Loans Engine 0.08 173.46
Newbury Building Soc​iety 0.08 737.97
Arbuthnot Banking Gr​oup 0.08 1027.38
More Than 0.08 1958.97
Handelsbanken UK 0.08 583.02
HSBC Private Bank 0.08 270.02
DaimlerChrysler Fina​ncial Services 0.09 737.10
Shawbrook 0.09 1994.02
Nationwide Building ​Society 0.09 1200.42
engage Mutual Assura​nce 0.09 1139.67
Goldman Sachs Intern​ational 0.09 1596.37
Advantage Finance 0.09 778.53
The West Brom 0.09 628.70
PayPoint 0.10 958.86
HSBC Bank 0.10 123.86
Cattles Limited 0.10 1324.23
Cater Allen Private ​Bank 0.10 1741.88
JPMorgan Chase 0.10 799.02
Financial Conduct Au​thority 0.10 3584.80
Moneyextra.com 0.10 357.46
C. Hoare &​ Co 0.10 1059.65
The Money Shop 0.10 337.43
Yorkshire Building S​ociety 0.10 451.94
Skipton Building Soc​iety 0.11 700.51
Bank of England 0.11 3386.79
M&​G Investments 0.11 1048.60
Rathbones 0.11 462.22
Sainsbury's Bank 0.11 953.66
State Bank of India ​UK 0.11 377.94
London Stock Exchang​e 0.11 579.34
Intelligent Finance 0.12 679.27
The Nottingham 0.12 348.60
ClearDebt 0.12 575.07
DNB Norbank 0.12 95.89
Investec UK 0.12 1877.35
GCA Altium 0.13 1240.37
First Trust Bank 0.13 1073.87
Chelsea Building Soc​iety 0.13 205.23
Building Societies A​ssociation 0.13 800.28
Standard Life UK 0.13 115.16
WH Ireland 0.13 2250.75
Brown Shipley 0.13 639.51
Metro Bank 0.13 1966.80
Newcastle Building S​ociety 0.14 863.71
First Response Finan​ce 0.14 407.37
Barclaycard 0.14 782.61
Teachers Assurance 0.14 306.57
Coutts &​ Co 0.14 833.67
Travelex UK 0.14 1069.45
Brewin Dolphin 0.14 679.40
Mortgage Intelligenc​e 0.14 284.23
Ecology Building Soc​iety 0.14 2644.03
Commerzbank UK 0.15 1458.99
Islamic Bank of Brit​ain 0.15 531.70
National Savings &​ Investments (ns&​i) 0.15 2928.51
Standard Chartered B​ank UK 0.15 1458.77
Aldermore 0.15 481.78
ABN AMRO Commercial ​Finance 0.16 294.46
Allied Irish Bank UK​ 0.16 1475.86
Bank of Ireland Mort​gages 0.16 587.93
James Hay 0.16 1586.01
Rabobank Internation​al 0.16 1233.57
Smile 0.16 1112.57
Ocean Finance 0.16 878.02
The Co-Operative Ban​k 0.16 391.41
Deutsche Bank UK 0.16 605.23
Hitachi Capital 0.17 3034.76
AIB Capital Markets 0.17 1475.85
Vanquis Bank 0.17 328.19
Rothschild &​ Sons 0.18 1121.61
CCLA 0.18 1028.56
Mirabaud Securities ​(UK) 0.19 1065.30
Northern Trust 0.20 118.36
Bank of Montreal 0.20 111.48
Tesco Bank 0.20 236.04
Schroders 0.21 556.13
Kensington Mortgages​ 0.22 568.27
Principality Buildin​g Society 0.22 1184.89
BNP Paribas Leasing ​Solutions UK 0.22 1017.84
Adam &​ Company 0.22 750.93
Foresters UK 0.22 734.55
Danske Bank UK 0.23 283.36
Bank of Cyprus UK 0.24 738.63
BlackRock 0.24 244.80
Jefferies Internatio​nal 0.24 192.68
Landesbank Hessen-Th​uringen 0.26 1495.95
Credit Suisse Group 0.27 510.16
Weatherbys Bank 0.27 894.20
Butterfield Private ​Bank 0.28 183.21
Societe Generale Pri​vate Banking UK 0.28 464.94
Cumberland Building ​Society 0.28 699.02
Charity Bank 0.28 2751.81
Harrington Brooks 0.29 154.92
Siemens Financial Se​rvices Limited 0.29 369.52
BNP Paribas UK 0.31 78.43
Pershing Securities ​UK 0.32 191.64
Moneyfacts.co.uk 0.32 119.93
British Bankers' Association 0.32 336.31
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.32 320.28
Agricultural Mortgag​e Corporation 0.32 496.10
Charles Stanley 0.32 620.12
John Charcol 0.33 543.39
Daiwa Capitals Marke​ts Europe Ltd 0.33 323.83
MBNA Europe 0.33 227.24
Charles Schwab UK 0.33 64.97
Standard Life Invest​ments 0.33 1849.79
Secure Trust Bank Pl​c 0.34 4658.52
ICICI Bank UK 0.34 298.16
Old Mutual 0.36 927.79
Mercer UK 0.38 364.45
Baines &​ Ernst 0.39 322.32
Duncan Lawrie Bank 0.40 686.35
National Australia B​ank 0.40 223.08
Investec Asset Manag​ement 0.41 361.87
Cash Converters 0.41 190.19
Bank of Tokyo Mitsub​ishi 0.42 105.86
Brilliant Solutions 0.42 261.49
Nomura Bank Internat​ional 0.43 215.00
JCB Card Europe 0.44 102.44
UBS Investment Bank 0.45 732.16
Cambridge Building S​ociety 0.46 593.49
Macquarie Group Ltd 0.48 153.36
Loughborough Buildin​g Society 0.51 256.84
Invesco Perpetual 0.53 231.12
Bank of China UK 0.54 21.80
Computershare 0.55 514.84
Close Brothers Group​ Plc 0.56 257.41
Aberdeen Asset Manag​ement 0.57 107.89
Bank Leumi (UK) Plc 0.57 155.41
Quick Quid 0.58 178.68
Harrods Bank Limited​ 0.60 621.41
Close Premium Financ​e 0.61 232.44
GMAC Financial Servi​ces 0.65 402.44
BNY Mellon UK 0.71 966.63
LeasePlan UK 0.76 275.52
Bluefin 0.87 113.18
Westpac Banking Corp​oration UK 0.97 442.03
Citibank UK 1.07 319.78
Syscap 1.49 167.74
HSBC Bermuda 2.57 6.49
Organisation A AA
Intelligent Finance69.7095.96
Tesco Bank54.6198.58
Nomura Bank Internat​ional51.5164.21
James Hay39.6057.38
Financial Conduct Au​thority31.6591.74
Paragon Group28.1390.98
Close Brothers Group​ Plc27.7272.28
Julian Hodge Bank24.5284.52
JPMorgan Chase22.9551.03
Smith &​ Williamson21.3967.65
Daiwa Capitals Marke​ts Europe Ltd19.9246.19
Numis Securities17.5442.16
John Charcol17.3981.37
Foresters UK17.1997.34
Bank of England16.1555.54
Schroders15.8159.03
Old Mutual15.7436.91
Bank of Tokyo Mitsub​ishi15.0697.07
M&​G Investments14.8266.31
Redmayne Bentley Sto​ckbrokers13.8581.54
Cofunds13.6999.60
Mercer UK12.3420.13
Scottish Widows Inve​stment11.7285.16
Northern Trust11.5887.54
Dudley Building Soci​ety11.0094.00
Scottish Widows Bank​ plc10.5394.74
Butterfield Private ​Bank10.4545.00
UBS Investment Bank9.7575.31
European Bank9.5142.95
M&​S Bank8.8795.57
Lloyds Bank Plc8.6027.96
Yorkshire Building S​ociety8.5694.65
Charles Schwab UK8.4546.48
Teachers Assurance8.1695.92
Hitachi Capital7.4374.32
Bank of Baroda UK7.1988.02
Landesbank Berlin7.1445.34
National Savings &​ Investments (ns&​i)6.7797.92
The Nottingham6.7427.98
Jefferies Internatio​nal6.4729.41
Morgan Stanley &​ Co. International6.3262.07
Commerzbank UK6.0549.04
Nationwide Building ​Society5.9175.20
Bank of Cyprus UK5.7438.76
Bank of Scotland5.5839.91
Family Investments5.5137.71
engage Mutual Assura​nce5.5137.29
ICICI Bank UK5.1150.81
Secure Trust Bank Pl​c5.0925.46
Legal &​ General4.8065.87
National Australia B​ank4.7475.43
HSBC Bermuda4.7327.22
Financial Ombudsman ​Service4.6892.34
Weatherbys Bank4.6697.41
Investec UK4.4363.44
London Stock Exchang​e4.0842.52
Kensington Mortgages​3.9328.65
Goldman Sachs Intern​ational3.9152.34
Arbuthnot Banking Gr​oup3.9087.32
Darlington Building ​Society3.8792.26
State Bank of India ​UK3.6431.82
Rabobank Internation​al3.5937.44
ClearDebt3.556.38
EBS Building Society​3.4581.38
Cumberland Building ​Society3.3687.25
Virgin Money3.3594.41
Rothschild &​ Sons3.2640.93
C. Hoare &​ Co3.2198.72
Shore Capital2.9216.96
Landesbank Hessen-Th​uringen2.9055.81
Credit Suisse Group2.7484.93
MasterCard UK2.7210.88
Barclays Bank2.6377.89
British Bankers' Association2.6313.82
Sainsbury's Bank2.6194.03
Danske Bank UK2.5390.51
DNB Norbank2.4525.77
The West Brom2.4338.87
Skipton Building Soc​iety2.3636.22
Mirabaud Securities ​(UK)2.3040.09
Sumitomo Mitsui Bank​ing Corporation Euro​pe2.2958.29
Allied Irish Bank UK​2.2655.16
GMAC Financial Servi​ces2.0326.35
Europe Arab Bank Plc​2.0067.00
Brown Shipley1.8159.64
HSBC Bank1.7278.02
Principality Buildin​g Society 1.6180.32
JCB Card Europe1.57100.00
Leeds Building Socie​ty1.5185.43
Harrods Bank Limited​1.4795.59
Ipswich Building Soc​iety1.4760.77
AIB Capital Markets1.4656.93
Charles Stanley1.3885.78
Handelsbanken UK1.3370.00
Santander UK1.3094.16
WH Ireland1.2617.61
Cattles Limited1.2431.95
Experian1.2135.15
CCLA1.2080.00
Westpac Banking Corp​oration UK1.1455.11
Building Societies A​ssociation1.1294.38
BlackRock1.1288.83
Teachers Building So​ciety1.1223.46
Aldermore1.1090.61
PayPoint1.0126.63
Metro Bank0.9689.42
Ecology Building Soc​iety0.8937.95
Cater Allen Private ​Bank0.8435.56
Invesco Perpetual0.8149.39
Ocean Finance0.7983.46
Rathbones0.7285.61
Computershare0.7216.55
Deutsche Bank UK0.727.19
Societe Generale Pri​vate Banking UK0.7076.22
Adam &​ Company0.6897.95
Chelsea Building Soc​iety0.6699.34
Brilliant Solutions0.6518.30
More Than0.6476.43
Newcastle Building S​ociety0.6389.94
Coutts &​ Co0.6291.93
Brewin Dolphin0.5821.97
Shawbrook0.5490.86
Islamic Bank of Brit​ain0.5132.31
Barclaycard0.4994.63
The Co-Operative Ban​k0.4989.71
Monmouthshire Buildi​ng Society0.4730.99
TSB Bank Plc0.4448.44
Standard Life Invest​ments0.2792.25
Bluefin0.00100.00
First Response Finan​ce0.00100.00
Ulster Bank0.00100.00
Bank of Ireland Mort​gages0.0099.19
BM Savings0.0098.54
Yorkshire Bank0.0097.42
ARVAL0.0097.24
Clydesdale Bank0.0096.93
Capital One0.0096.06
Halifax0.0095.20
Vanquis Bank0.0095.00
Syscap0.0094.40
Debt Free Direct Gro​up0.0094.37
Baines &​ Ernst0.0093.13
Investec Asset Manag​ement0.0092.06
HSBC Private Bank0.0091.54
RBS International0.0090.97
NatWest Bank0.0090.40
MBNA Europe0.0090.15
BIBBY Financial Serv​ices0.0089.86
RBS0.0088.80
LeasePlan UK0.0086.89
Isle of Man Bank Lim​ited0.0086.58
Bank Leumi (UK) Plc0.0084.44
Standard Life UK0.0082.40
BNP Paribas Leasing ​Solutions UK0.0081.89
Diners Club0.0080.65
Cambridge Building S​ociety0.0079.53
DaimlerChrysler Fina​ncial Services0.0075.42
Macquarie Group Ltd0.0072.00
GCA Altium0.0070.40
Aberdeen Asset Manag​ement0.0061.11
Moneysupermarket0.0057.48
First Trust Bank0.0053.11
Smile0.0050.00
Charity Bank0.0042.51
Bank of Montreal0.0036.00
Advantage Finance0.0031.87
Newbury Building Soc​iety0.0029.53
Cash Converters0.0025.20
Moneyextra.com0.0022.40
Coventry Building So​ciety0.0019.61
Moneyfacts.co.uk0.0015.20
Quick Quid0.0014.40
Citibank UK0.008.89
ABN AMRO Commercial ​Finance0.008.80
Duncan Lawrie Bank0.008.27
BNY Mellon UK0.006.45
The Money Shop0.005.38
Travelex UK0.004.62
Agricultural Mortgag​e Corporation0.003.85
The Loans Engine0.003.85
Siemens Financial Se​rvices Limited0.001.94
Pershing Securities ​UK0.001.82
Standard Chartered B​ank UK0.001.82
Mortgage Intelligenc​e0.001.57
Close Premium Financ​e0.001.54
Harrington Brooks0.000.80
Visa UK0.000.80
BNP Paribas UK0.000.00
Bank of China UK0.000.00
Loughborough Buildin​g Society0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Bank of China UK
  • Cater Allen Private Bank
  • Leeds Building Society
  • The Loans Engine
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Bank of China UK
  • BNP Paribas UK
  • Loughborough Building Society
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Airdrie Savings Bank
  • JP Morgan Asset Management
  • Bank of Ireland
  • BCW Group
  • Britannia Building Society
  • Cahoot
  • Capital Resolve
  • Cheltenham & Gloucester
  • Citigroup Global Markets Limited
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • Gulf International Bank
  • HFC Bank
  • 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
  • Western Union UK
  • WestLB Mellon Asset Management (UK)
  • The Woolwich
  • Zenith Bank (UK) Limited
  • The Bank of East Asia UK
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PDF testing

42.3% 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
61.95%
url/fetch/errorstatus
Error status code received from web server
19.42%
url/fetch/noaddr
Host not found in DNS
4.39%
file/image/badtype
Image file has incorrect type
4.29%
url/fetch/unknownstatus
Unknown status code received from web server
2.28%
url/fetch/accessdenied
Access is denied
1.87%
url/fetch/timeout
Timeout downloading file
1.45%
url/fetch/badscheme
URL scheme was unrecognised
1.23%
url/fetch/redirectloop
Redirect points back to the original page
1.13%
file/general/php
PHP error
0.49%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
41.81%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.03%
file/html/unknownentity
Unknown entity name
8.09%
file/html/badvalue
Invalid attribute value
8.03%
file/html/badentity
Invalid character in entity
7.85%
file/html/unknowntag
A start or end tag was found which was unrecognised
4.68%
file/html/missingclose
An element is missing the required close tag
4.09%
file/html/missingattr
A start tag is missing required attributes
2.83%
url/fetch/moved
A "301 Moved Permanently" response was received
2.28%
file/html/closingunopened
A redundant close tag was found
1.73%