2017 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    08 Jul 2017

  • Total URLs tested:

    303,105

  • Total tests run:

    98,996,599

  • Total number of PDF's:

    18,749

  • URLs failing functional tests:

    3.50%

  • Pages failing code standards:

    94.72%

  • Pages missing a title:

    3.20%

  • Pages failing accessibility level A:

    95.02%

  • Pages failing accessibility level AA:

    39.32%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 204,667 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 2.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
Julian Hodge Bank 0.01 1173.61
Monmouthshire Buildi​ng Society 0.02 1131.10
Numis Securities 0.02 1186.29
CCLA 0.02 1007.74
Clydesdale Bank 0.03 865.27
Shore Capital 0.03 845.84
Yorkshire Bank 0.03 2077.92
Legal &​ General 0.04 1533.45
M&​S Bank 0.04 490.81
Diners Club 0.04 4161.65
Leeds Building Socie​ty 0.04 869.10
The Co-Operative Ban​k 0.05 821.82
Barclays Bank 0.05 1059.84
Scottish Widows Inve​stment 0.05 525.50
Bank of Scotland 0.05 930.00
Landesbank Berlin 0.05 1716.24
NatWest Bank 0.05 728.13
Rathbones 0.05 731.81
Halifax 0.05 167.81
Goldman Sachs Intern​ational 0.05 1626.71
Scottish Widows Bank​ plc 0.05 591.14
Isle of Man Bank Lim​ited 0.06 519.52
Europe Arab Bank Plc​ 0.06 3815.66
TSB Bank Plc 0.06 2173.29
Financial Ombudsman ​Service 0.06 3403.21
Dudley Building Soci​ety 0.06 8192.00
RBS 0.06 745.31
Moneysupermarket 0.06 167.91
Capital One 0.06 252.86
Ipswich Building Soc​iety 0.06 1313.86
Lloyds Bank Plc 0.06 289.66
Teachers Building So​ciety 0.06 8192.00
Ulster Bank 0.06 511.57
Santander UK 0.07 125.69
Darlington Building ​Society 0.07 354.38
BIBBY Financial Serv​ices 0.07 3493.82
Cofunds 0.07 348.06
Shawbrook 0.07 2097.47
European Bank 0.07 2741.04
Smith &​ Williamson 0.07 1136.20
Experian 0.07 429.80
Coventry Building So​ciety 0.07 728.74
Newbury Building Soc​iety 0.07 889.38
Paragon Group 0.07 1021.06
Family Investments 0.08 1280.09
Yorkshire Building S​ociety 0.08 291.92
MasterCard UK 0.08 1010.33
DaimlerChrysler Fina​ncial Services 0.08 2431.71
Sainsbury's Bank 0.08 1163.75
RBS International 0.08 304.90
Handelsbanken UK 0.08 679.96
Bank of Baroda UK 0.08 1116.58
PayPoint 0.09 1172.13
More Than 0.09 2724.21
Advantage Finance 0.09 756.24
Arbuthnot Banking Gr​oup 0.09 942.44
HSBC Private Bank 0.09 313.49
BM Savings 0.09 266.81
Morgan Stanley &​ Co. International 0.09 2134.35
Mercer UK 0.09 264.41
engage Mutual Assura​nce 0.09 1277.85
Cattles Limited 0.09 1477.84
Standard Chartered B​ank UK 0.09 1464.97
London Stock Exchang​e 0.10 661.16
Financial Conduct Au​thority 0.10 3095.21
Nationwide Building ​Society 0.10 1161.45
Cater Allen Private ​Bank 0.10 1813.77
The West Brom 0.10 621.51
ARVAL 0.10 1466.27
JPMorgan Chase 0.10 823.39
Skipton Building Soc​iety 0.11 764.30
EBS Building Society​ 0.11 1370.62
Chelsea Building Soc​iety 0.11 232.53
Moneyextra.com 0.11 301.15
Visa UK 0.11 667.23
State Bank of India ​UK 0.11 314.59
The Nottingham 0.11 294.41
Ecology Building Soc​iety 0.11 2148.54
Intelligent Finance 0.11 682.15
DNB Norbank 0.11 97.03
First Trust Bank 0.11 964.79
Redmayne Bentley Sto​ckbrokers 0.12 876.64
Standard Life UK 0.12 192.19
Barclaycard 0.12 2093.01
HSBC Bank 0.12 124.48
WH Ireland 0.12 2413.09
Deutsche Bank UK 0.12 696.07
Newcastle Building S​ociety 0.13 774.45
Adam &​ Company 0.13 1311.62
Investec UK 0.13 1514.76
ClearDebt 0.13 554.50
AIB Capital Markets 0.13 1640.54
Building Societies A​ssociation 0.13 620.32
Siemens Financial Se​rvices Limited 0.13 380.65
Bank of England 0.14 6412.61
Brown Shipley 0.14 626.09
ABN AMRO Commercial ​Finance 0.14 1393.79
Virgin Money 0.14 593.66
Travelex UK 0.14 730.64
C. Hoare &​ Co 0.14 992.62
Mortgage Intelligenc​e 0.14 279.06
Agricultural Mortgag​e Corporation 0.14 535.19
Allied Irish Bank UK​ 0.14 1262.89
First Response Finan​ce 0.14 370.65
Islamic Bank of Brit​ain 0.14 485.46
GCA Altium 0.15 360.19
James Hay 0.15 1798.24
Vanquis Bank 0.15 440.65
Kensington Mortgages​ 0.15 427.35
Bank of Ireland Mort​gages 0.15 447.71
Teachers Assurance 0.15 365.92
Rabobank Internation​al 0.16 1314.95
Commerzbank UK 0.16 1446.22
Tesco Bank 0.16 274.46
Brewin Dolphin 0.17 557.06
Duncan Lawrie Bank 0.17 47.46
Brilliant Solutions 0.17 258.80
Rothschild &​ Sons 0.18 1185.90
Hitachi Capital 0.18 3246.25
Bank of Montreal 0.18 267.20
Mirabaud Securities ​(UK) 0.18 884.14
M&​G Investments 0.18 688.37
Smile 0.19 1258.88
Bank of Cyprus UK 0.19 671.76
Principality Buildin​g Society 0.20 1129.10
Western Union UK 0.20 757.85
Credit Suisse Group 0.21 896.97
Metro Bank 0.22 1528.03
Harrington Brooks 0.23 171.08
Coutts &​ Co 0.23 1278.56
Butterfield Private ​Bank 0.23 176.95
BlackRock 0.24 278.08
Northern Trust 0.24 114.16
BNP Paribas Leasing ​Solutions UK 0.24 1047.09
National Savings &​ Investments (ns&​i) 0.24 2695.58
Danske Bank UK 0.24 339.57
Aldermore 0.24 331.17
Foresters UK 0.25 522.11
Moneyfacts.co.uk 0.25 149.43
Secure Trust Bank Pl​c 0.26 4181.49
Bank Leumi (UK) Plc 0.26 183.49
Ocean Finance 0.26 956.69
Landesbank Hessen-Th​uringen 0.26 1499.15
BNP Paribas UK 0.27 171.78
Schroders 0.27 2687.34
Jefferies Internatio​nal 0.28 198.63
John Charcol 0.28 517.72
Charity Bank 0.28 3272.50
British Bankers' Association 0.29 340.46
The Money Shop 0.30 574.19
Societe Generale Pri​vate Banking UK 0.32 457.45
Daiwa Capitals Marke​ts Europe Ltd 0.33 331.86
Pershing Securities ​UK 0.33 151.40
Charles Schwab UK 0.34 62.31
Old Mutual 0.34 1072.19
Close Brothers Group​ Plc 0.34 1308.00
Standard Life Invest​ments 0.35 2294.82
Citigroup Global Mar​kets Limited 0.36 883.20
Loughborough Buildin​g Society 0.36 444.99
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.36 426.88
MBNA Europe 0.36 246.60
Macquarie Group Ltd 0.37 786.66
Cumberland Building ​Society 0.37 767.89
National Australia B​ank 0.37 355.17
UBS Investment Bank 0.39 960.88
Nomura Bank Internat​ional 0.40 218.97
Charles Stanley 0.41 516.18
Bluefin 0.42 558.41
JCB Card Europe 0.45 104.42
Quick Quid 0.46 301.10
Cambridge Building S​ociety 0.46 875.38
Bank of China UK 0.47 32.68
Invesco Perpetual 0.49 264.60
Aberdeen Asset Manag​ement 0.54 152.71
Bank of Tokyo Mitsub​ishi 0.54 107.61
HSBC Bermuda 0.54 191.42
LeasePlan UK 0.56 316.74
Baines &​ Ernst 0.59 318.22
ICICI Bank UK 0.61 156.46
GMAC Financial Servi​ces 0.65 370.16
Cash Converters 0.67 166.25
Close Premium Financ​e 0.71 198.92
Westpac Banking Corp​oration UK 0.75 505.94
Citibank UK 0.90 260.86
Harrods Bank Limited​ 1.01 610.74
Syscap 1.43 429.92
Computershare 1.49 485.49
Organisation A AA
Intelligent Finance69.7095.96
Tesco Bank51.7997.86
Nomura Bank Internat​ional48.5476.28
James Hay41.7461.56
Financial Conduct Au​thority30.7292.38
Close Brothers Group​ Plc27.4972.51
Paragon Group27.2691.11
Smith &​ Williamson25.8357.95
Julian Hodge Bank25.1682.39
JPMorgan Chase23.4251.83
Numis Securities23.0278.99
Bank of England20.5666.89
Daiwa Capitals Marke​ts Europe Ltd20.2644.05
M&​G Investments19.4961.02
John Charcol17.3982.61
Foresters UK16.5696.97
Old Mutual15.6638.51
Schroders15.0360.74
Citigroup Global Mar​kets Limited14.0453.63
Cofunds13.0399.40
Bank of Tokyo Mitsub​ishi12.9996.46
Redmayne Bentley Sto​ckbrokers12.6378.95
Northern Trust12.4487.74
Dudley Building Soci​ety11.9295.34
Scottish Widows Inve​stment11.7286.72
Scottish Widows Bank​ plc11.6396.12
Butterfield Private ​Bank10.4540.30
European Bank9.3543.23
Landesbank Berlin9.2046.32
UBS Investment Bank8.9281.21
M&​S Bank8.6095.16
Charles Schwab UK8.5142.55
Lloyds Bank Plc8.4725.99
Hitachi Capital7.6971.15
The Nottingham7.4124.87
Commerzbank UK7.0551.01
Rothschild &​ Sons6.7043.30
Nationwide Building ​Society6.1574.23
Bank of Baroda UK5.9987.43
HSBC Bermuda5.9327.97
Teachers Assurance5.8595.61
Jefferies Internatio​nal5.8130.23
Morgan Stanley &​ Co. International5.6854.55
National Australia B​ank5.6575.22
Secure Trust Bank Pl​c5.6530.00
ICICI Bank UK5.4149.46
National Savings &​ Investments (ns&​i)5.0898.48
engage Mutual Assura​nce4.7642.06
Family Investments4.7641.67
Bank of Cyprus UK4.7439.34
Arbuthnot Banking Gr​oup4.7286.32
Cumberland Building ​Society4.5884.97
C. Hoare &​ Co4.4998.72
Danske Bank UK4.4983.71
Credit Suisse Group4.4977.14
Goldman Sachs Intern​ational4.2547.64
Investec UK4.0259.62
Financial Ombudsman ​Service3.7792.45
Mercer UK3.738.21
London Stock Exchang​e3.6742.67
ClearDebt3.558.51
Sumitomo Mitsui Bank​ing Corporation Euro​pe3.3157.46
State Bank of India ​UK3.2836.07
EBS Building Society​3.2345.52
Barclays Bank3.1275.00
Rabobank Internation​al2.8639.52
MasterCard UK2.789.72
Virgin Money2.6795.19
Darlington Building ​Society2.6794.67
The West Brom2.6332.46
DNB Norbank2.5025.62
Legal &​ General2.4373.61
Mirabaud Securities ​(UK)2.4333.98
Allied Irish Bank UK​2.2455.13
Westpac Banking Corp​oration UK2.2355.31
Skipton Building Soc​iety2.2140.81
Barclaycard2.1188.03
GMAC Financial Servi​ces2.0890.97
Landesbank Hessen-Th​uringen2.0863.28
Bank of Scotland2.0144.18
Europe Arab Bank Plc​2.0066.00
Brilliant Solutions1.8922.01
Leeds Building Socie​ty1.8280.45
Brown Shipley1.8258.79
HSBC Bank1.6978.06
CCLA1.5985.26
JCB Card Europe1.57100.00
HSBC Private Bank1.5688.28
Sainsbury's Bank1.5495.37
Ipswich Building Soc​iety1.4760.88
Societe Generale Pri​vate Banking UK1.4375.71
Coventry Building So​ciety1.3417.45
Handelsbanken UK1.3272.19
British Bankers' Association1.3213.82
Santander UK1.2894.23
Principality Buildin​g Society 1.2483.47
Cattles Limited1.2431.95
Cambridge Building S​ociety1.2374.85
WH Ireland1.2319.02
Aldermore1.2290.85
BlackRock1.1893.53
Shore Capital1.1816.57
Teachers Building So​ciety1.1223.46
PayPoint1.0025.37
Charles Stanley0.9886.27
Bank Leumi (UK) Plc0.9780.58
AIB Capital Markets0.9672.88
Metro Bank0.9588.15
Ecology Building Soc​iety0.8938.22
LeasePlan UK0.8687.93
Invesco Perpetual0.8147.58
Ocean Finance0.7984.92
Aberdeen Asset Manag​ement0.7663.36
Harrods Bank Limited​0.7397.81
Rathbones0.7187.23
Computershare0.7117.14
Adam &​ Company0.7083.22
Chelsea Building Soc​iety0.6699.34
More Than0.6483.44
Yorkshire Building S​ociety0.6093.98
Brewin Dolphin0.5821.39
Kensington Mortgages​0.5629.21
Shawbrook0.5290.58
Monmouthshire Buildi​ng Society0.5231.25
Islamic Bank of Brit​ain0.5130.96
Coutts &​ Co0.4979.90
TSB Bank Plc0.4950.25
The Co-Operative Ban​k0.4891.87
Cater Allen Private ​Bank0.4336.17
First Trust Bank0.3550.00
Standard Life Invest​ments0.2491.87
Bank of Ireland Mort​gages0.00100.00
Bluefin0.00100.00
Duncan Lawrie Bank0.00100.00
First Response Finan​ce0.00100.00
GCA Altium0.00100.00
Ulster Bank0.00100.00
BM Savings0.0098.56
Clydesdale Bank0.0097.30
ARVAL0.0097.18
Yorkshire Bank0.0096.88
Capital One0.0096.06
Halifax0.0096.00
Building Societies A​ssociation0.0095.15
Syscap0.0094.44
Vanquis Bank0.0094.26
Baines &​ Ernst0.0093.85
Newcastle Building S​ociety0.0093.84
Isle of Man Bank Lim​ited0.0092.14
RBS International0.0092.11
BIBBY Financial Serv​ices0.0091.10
BNP Paribas Leasing ​Solutions UK0.0090.16
MBNA Europe0.0090.08
NatWest Bank0.0085.60
RBS0.0085.60
Standard Life UK0.0082.40
Diners Club0.0080.21
DaimlerChrysler Fina​ncial Services0.0077.50
Macquarie Group Ltd0.0067.20
Moneysupermarket0.0051.97
Smile0.0047.20
Bank of Montreal0.0044.00
Charity Bank0.0043.37
Advantage Finance0.0031.52
Newbury Building Soc​iety0.0028.65
Cash Converters0.0025.20
Experian0.0022.46
Moneyextra.com0.0022.40
Western Union UK0.0019.05
Quick Quid0.0017.60
Moneyfacts.co.uk0.0015.20
The Money Shop0.0012.14
Travelex UK0.008.46
ABN AMRO Commercial ​Finance0.007.20
Deutsche Bank UK0.005.80
Agricultural Mortgag​e Corporation0.003.82
Visa UK0.002.38
Standard Chartered B​ank UK0.001.82
Citibank UK0.001.57
Close Premium Financ​e0.001.06
BNP Paribas UK0.000.80
Harrington Brooks0.000.80
Mortgage Intelligenc​e0.000.79
Bank of China UK0.000.00
Loughborough Buildin​g Society0.000.00
Pershing Securities ​UK0.000.00
Siemens Financial Se​rvices Limited0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Bank of China UK
  • Cater Allen Private Bank
  • Clydesdale Bank
  • Loughborough Building Society
  • GCA Altium
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Siemens Financial Services Limited
  • Bank of China UK
  • Pershing Securities UK
  • Loughborough Building Society
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • BNY Mellon UK
  • Bank of Ireland
  • BCW Group
  • Britannia Building Society
  • Cahoot
  • Capital Resolve
  • Cheltenham & Gloucester
  • Debt Free Direct Group
  • EFG Group
  • FCE Bank
  • First Complete
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • Gulf International Bank
  • HFC Bank
  • ICBC UK
  • Investec Asset Management
  • 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
  • Airdrie Savings Bank
  • The Bank of East Asia UK
  • The Loans Engine
  • Weatherbys Bank
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PDF testing

42.0% 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
43.72%
file/image/badtype
Image file has incorrect type
33.62%
url/fetch/errorstatus
Error status code received from web server
13.95%
url/fetch/noaddr
Host not found in DNS
2.42%
url/fetch/unknownstatus
Unknown status code received from web server
1.54%
url/fetch/redirectloop
Redirect points back to the original page
0.89%
url/fetch/badscheme
URL scheme was unrecognised
0.84%
url/fetch/accessdenied
Access is denied
0.84%
url/fetch/timeout
Timeout downloading file
0.76%
url/fetch/badcookie
Web server attempted to set invalid cookie
0.51%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
40.39%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.68%
file/html/unknownentity
Unknown entity name
9.11%
file/html/badentity
Invalid character in entity
8.85%
file/html/badvalue
Invalid attribute value
8.65%
file/html/missingclose
An element is missing the required close tag
4.20%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.67%
url/fetch/moved
A "301 Moved Permanently" response was received
2.42%
file/html/closingunopened
A redundant close tag was found
1.80%
file/html/unknownid
Fragment identifier not found
1.43%