2017 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    20 Oct 2017

  • Total URLs tested:

    332,099

  • Total tests run:

    108,403,451

  • Total number of PDF's:

    18,126

  • URLs failing functional tests:

    8.63%

  • Pages failing code standards:

    95.34%

  • Pages missing a title:

    2.81%

  • Pages failing accessibility level A:

    95.68%

  • Pages failing accessibility level AA:

    40.11%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 202,707 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 1309.27
BM Savings 0.02 248.42
Clydesdale Bank 0.03 840.37
Yorkshire Bank 0.03 2258.49
Shore Capital 0.03 1002.76
Bank of Scotland 0.03 767.19
Diners Club 0.03 4089.83
Halifax 0.04 179.01
Legal &​ General 0.04 1377.41
Ecology Building Soc​iety 0.04 1892.40
Goldman Sachs Intern​ational 0.04 3709.72
Harrods Bank Limited​ 0.04 639.57
Numis Securities 0.05 64.71
Scottish Widows Inve​stment 0.05 642.94
Scottish Widows Bank​ plc 0.05 611.25
Smith &​ Williamson 0.05 1340.85
CCLA 0.05 1297.27
Landesbank Berlin 0.05 1662.35
Financial Ombudsman ​Service 0.05 2706.83
Leeds Building Socie​ty 0.05 781.53
Europe Arab Bank Plc​ 0.05 3042.16
Rathbones 0.05 876.62
RBS 0.05 733.75
Bank of Baroda UK 0.06 1206.17
Darlington Building ​Society 0.06 466.62
Ulster Bank 0.06 393.94
NatWest Bank 0.06 637.52
The Co-Operative Ban​k 0.06 797.43
RBS International 0.06 312.01
Dudley Building Soci​ety 0.06 8192.00
Isle of Man Bank Lim​ited 0.06 537.50
M&​S Bank 0.06 459.45
European Bank 0.06 2251.72
BIBBY Financial Serv​ices 0.06 3313.90
Sainsbury's Bank 0.07 1208.51
Capital One 0.07 249.24
Siemens Financial Se​rvices Limited 0.07 247.30
TSB Bank Plc 0.07 1690.83
HSBC Private Bank 0.07 335.38
The West Brom 0.07 406.73
More Than 0.07 2829.06
Experian 0.07 410.50
Coventry Building So​ciety 0.08 684.20
DaimlerChrysler Fina​ncial Services 0.08 2967.50
Barclays Bank 0.08 1687.05
Mercer UK 0.08 284.96
Ocean Finance 0.08 750.17
Skipton Building Soc​iety 0.08 712.80
Rabobank Internation​al 0.08 1940.99
Advantage Finance 0.09 881.56
Cofunds 0.09 478.60
Shawbrook 0.09 2052.33
PayPoint 0.09 1005.67
The Woolwich 0.09 1656.32
Cattles Limited 0.09 1363.47
Arbuthnot Banking Gr​oup 0.09 905.62
Nationwide Building ​Society 0.09 1230.99
The Nottingham 0.09 407.03
Santander UK 0.09 117.22
National Savings &​ Investments (ns&​i) 0.10 2697.20
Duncan Lawrie Bank 0.10 59.57
Morgan Stanley &​ Co. International 0.10 2099.43
Moneysupermarket 0.10 176.34
Cater Allen Private ​Bank 0.10 1596.58
Family Investments 0.10 1092.01
Bank of England 0.10 5019.69
Building Societies A​ssociation 0.10 660.59
ClearDebt 0.10 562.81
Ipswich Building Soc​iety 0.11 965.69
EBS Building Society​ 0.11 1760.11
DNB Norbank 0.11 84.31
Visa UK 0.11 726.05
engage Mutual Assura​nce 0.11 1196.77
JPMorgan Chase 0.11 822.20
Teachers Building So​ciety 0.11 8192.00
British Bankers' Association 0.11 391.68
Deutsche Bank UK 0.12 767.88
State Bank of India ​UK 0.12 363.59
Barclaycard 0.12 1835.29
ARVAL 0.12 806.38
Agricultural Mortgag​e Corporation 0.12 460.17
Standard Life UK 0.12 216.50
Bank of Montreal 0.12 272.49
Brown Shipley 0.12 859.26
London Stock Exchang​e 0.12 669.28
Julian Hodge Bank 0.13 4597.13
Newcastle Building S​ociety 0.13 843.49
Handelsbanken UK 0.14 531.76
ABN AMRO Commercial ​Finance 0.14 1867.88
Yorkshire Building S​ociety 0.14 539.04
Credit Suisse Group 0.14 923.76
GCA Altium 0.14 299.48
HSBC Bank 0.14 178.77
First Response Finan​ce 0.14 620.36
Western Union UK 0.14 599.26
Tesco Bank 0.14 308.25
Redmayne Bentley Sto​ckbrokers 0.14 560.99
Lloyds Bank Plc 0.15 481.16
Bank of Ireland Mort​gages 0.15 535.50
Virgin Money 0.15 574.80
Investec UK 0.15 510.19
AIB Capital Markets 0.15 1407.09
MasterCard UK 0.15 707.47
Commerzbank UK 0.15 1395.87
Islamic Bank of Brit​ain 0.16 478.05
M&​G Investments 0.16 1042.73
Teachers Assurance 0.16 371.91
Financial Conduct Au​thority 0.16 3575.48
Mortgage Intelligenc​e 0.17 288.15
C. Hoare &​ Co 0.17 1036.39
Travelex UK 0.17 621.27
Vanquis Bank 0.18 392.46
Principality Buildin​g Society 0.18 1491.73
Hitachi Capital 0.18 4093.62
Rothschild &​ Sons 0.18 1341.53
Charles Stanley 0.18 825.42
Chelsea Building Soc​iety 0.19 203.29
Brewin Dolphin 0.19 681.06
Harrington Brooks 0.19 1030.97
Brilliant Solutions 0.20 216.37
Newbury Building Soc​iety 0.20 1325.78
Danske Bank UK 0.20 367.66
Allied Irish Bank UK​ 0.21 1160.90
Bank of Ireland 0.21 488.10
Bank of Cyprus UK 0.21 664.13
Metro Bank 0.21 1570.69
Kensington Mortgages​ 0.22 403.04
Northern Trust 0.22 132.27
Schroders 0.22 2267.58
James Hay 0.22 1767.58
Mirabaud Securities ​(UK) 0.22 961.06
WH Ireland 0.23 1905.58
BlackRock 0.24 265.13
Foresters UK 0.24 495.59
First Trust Bank 0.24 1005.39
Bank Leumi (UK) Plc 0.24 198.32
Coutts &​ Co 0.24 849.48
Smile 0.25 1114.88
Landesbank Hessen-Th​uringen 0.25 1058.91
Close Brothers Group​ Plc 0.25 1357.80
Butterfield Private ​Bank 0.25 177.44
Jefferies Internatio​nal 0.26 170.40
Charity Bank 0.26 3648.25
The Money Shop 0.27 701.68
National Australia B​ank 0.27 399.40
Aldermore 0.28 320.16
Adam &​ Company 0.28 1207.99
Zurich 0.29 363.99
BNP Paribas UK 0.29 167.56
BNP Paribas Leasing ​Solutions UK 0.29 1146.50
Secure Trust Bank Pl​c 0.29 3728.58
Paragon Group 0.30 2092.34
Moneyfacts.co.uk 0.31 166.79
Old Mutual 0.31 1063.86
Citigroup Global Mar​kets Limited 0.32 896.22
UBS Investment Bank 0.32 1155.80
Pershing Securities ​UK 0.32 287.68
Cash Converters 0.34 312.82
Daiwa Capitals Marke​ts Europe Ltd 0.35 330.37
MBNA Europe 0.35 280.63
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.37 372.22
Loughborough Buildin​g Society 0.37 385.48
Baines &​ Ernst 0.40 316.25
Investec Asset Manag​ement 0.40 1033.56
ICICI Bank UK 0.41 212.53
Cambridge Building S​ociety 0.42 851.46
Computershare 0.42 588.59
Nomura Bank Internat​ional 0.42 220.28
JCB Card Europe 0.45 111.23
Bluefin 0.46 416.49
Bank of China UK 0.46 38.71
Charles Schwab UK 0.46 205.23
Quick Quid 0.49 331.88
Bank of Tokyo Mitsub​ishi 0.52 93.71
Invesco Perpetual 0.52 193.40
HSBC Bermuda 0.54 231.60
Cumberland Building ​Society 0.56 1046.41
Westpac Banking Corp​oration UK 0.59 406.49
LeasePlan UK 0.62 289.25
Societe Generale Pri​vate Banking UK 0.63 651.41
John Charcol 0.65 409.96
Standard Chartered B​ank UK 0.69 1542.01
Macquarie Group Ltd 0.69 211.67
Aberdeen Asset Manag​ement 0.72 182.16
GMAC Financial Servi​ces 0.73 241.50
Close Premium Financ​e 0.75 201.50
Standard Life Invest​ments 0.79 65.38
Syscap 0.91 461.24
Citibank UK 1.41 345.34
Organisation A AA
Nomura Bank Internat​ional48.6098.25
Tesco Bank48.3496.03
Financial Conduct Au​thority32.3890.63
James Hay30.2056.86
Close Brothers Group​ Plc28.3871.35
Julian Hodge Bank25.5571.53
M&​G Investments23.6660.49
JPMorgan Chase22.8149.76
Bank of England21.4660.03
Smith &​ Williamson21.2663.17
Citigroup Global Mar​kets Limited18.6150.90
Paragon Group18.3191.34
John Charcol17.3975.16
Daiwa Capitals Marke​ts Europe Ltd16.5941.47
Foresters UK16.0696.79
Schroders15.3659.34
Old Mutual14.8938.30
Bank of Tokyo Mitsub​ishi12.7396.25
Redmayne Bentley Sto​ckbrokers12.6380.00
UBS Investment Bank12.4482.26
Cofunds12.3099.40
Northern Trust12.2088.31
Dudley Building Soci​ety10.9494.79
European Bank10.2843.61
Butterfield Private ​Bank9.9040.10
HSBC Bermuda9.2527.75
Bank of Cyprus UK9.0938.28
Landesbank Berlin9.0647.13
The Nottingham9.0422.87
Charles Schwab UK8.7613.87
M&​S Bank8.1595.11
Rothschild &​ Sons7.7344.21
Charles Stanley7.5887.88
Societe Generale Pri​vate Banking UK7.2481.90
Bank of Baroda UK6.9087.93
Morgan Stanley &​ Co. International6.8261.93
Lloyds Bank Plc6.7757.10
Commerzbank UK6.4752.10
Goldman Sachs Intern​ational6.4655.89
National Australia B​ank6.4475.54
Jefferies Internatio​nal6.2930.86
Yorkshire Building S​ociety6.2887.03
Cumberland Building ​Society5.8884.31
Teachers Assurance5.8595.12
ICICI Bank UK5.8451.46
C. Hoare &​ Co5.6698.74
Nationwide Building ​Society5.0675.88
Arbuthnot Banking Gr​oup4.7285.85
Secure Trust Bank Pl​c4.5831.67
Virgin Money4.4890.55
DNB Norbank4.3826.25
Hitachi Capital4.2973.01
Family Investments4.1239.51
engage Mutual Assura​nce4.1239.51
Mirabaud Securities ​(UK)3.9445.81
Brown Shipley3.8760.77
National Savings &​ Investments (ns&​i)3.8399.45
Darlington Building ​Society3.7792.45
Financial Ombudsman ​Service3.7441.12
ClearDebt3.557.80
Sumitomo Mitsui Bank​ing Corporation Euro​pe3.2657.07
State Bank of India ​UK3.2535.77
London Stock Exchang​e2.9443.79
Skipton Building Soc​iety2.9438.60
GMAC Financial Servi​ces2.7425.34
Danske Bank UK2.5889.03
Rabobank Internation​al2.4935.82
First Response Finan​ce2.31100.00
Aldermore2.2792.05
Allied Irish Bank UK​2.2454.81
Mercer UK2.245.97
Europe Arab Bank Plc​2.1570.97
MasterCard UK2.0930.37
Legal &​ General2.0073.60
Sainsbury's Bank1.9795.67
CCLA1.9778.74
Brilliant Solutions1.8822.50
Investec UK1.8369.51
Leeds Building Socie​ty1.7977.58
Shore Capital1.7816.57
Metro Bank1.7589.91
Westpac Banking Corp​oration UK1.7450.00
Barclays Bank1.6951.98
The Woolwich1.6951.98
HSBC Bank1.5978.49
JCB Card Europe1.57100.00
HSBC Private Bank1.5697.66
Landesbank Hessen-Th​uringen1.5368.19
Aberdeen Asset Manag​ement1.4564.49
EBS Building Society​1.4544.73
Barclaycard1.4287.94
Ipswich Building Soc​iety1.3963.06
Bank of Scotland1.3538.74
Cattles Limited1.2431.95
WH Ireland1.2120.61
Teachers Building So​ciety1.0825.81
Bank Leumi (UK) Plc0.9580.95
Credit Suisse Group0.9475.47
PayPoint0.9328.04
The Co-Operative Ban​k0.9090.50
Ecology Building Soc​iety0.8836.40
LeasePlan UK0.8182.11
Principality Buildin​g Society 0.8082.47
Ocean Finance0.7984.92
Baines &​ Ernst0.7693.94
Harrods Bank Limited​0.7296.38
Rathbones0.7090.91
Adam &​ Company0.7080.42
Computershare0.7011.89
Deutsche Bank UK0.707.75
Santander UK0.6995.17
Coutts &​ Co0.6875.51
Handelsbanken UK0.6769.80
More Than0.6686.18
Chelsea Building Soc​iety0.6599.35
British Bankers' Association0.6514.38
Cambridge Building S​ociety0.6473.89
Bank of Ireland0.5915.29
Standard Life Invest​ments0.5891.96
Kensington Mortgages​0.5628.81
TSB Bank Plc0.5473.12
Zurich0.5388.24
Shawbrook0.5291.19
BlackRock0.5194.87
Monmouthshire Buildi​ng Society0.5132.99
Islamic Bank of Brit​ain0.5130.46
Cater Allen Private ​Bank0.4336.36
Invesco Perpetual0.4246.61
AIB Capital Markets0.3872.41
First Trust Bank0.3747.79
Duncan Lawrie Bank0.00100.00
GCA Altium0.00100.00
BNP Paribas Leasing ​Solutions UK0.0099.34
Bank of Ireland Mort​gages0.0099.25
Bluefin0.0099.20
Ulster Bank0.0099.20
BM Savings0.0098.55
Yorkshire Bank0.0098.00
Clydesdale Bank0.0097.68
Scottish Widows Bank​ plc0.0096.09
Capital One0.0096.06
Scottish Widows Inve​stment0.0096.06
Building Societies A​ssociation0.0096.05
Halifax0.0096.00
Syscap0.0095.24
ARVAL0.0094.37
Vanquis Bank0.0094.12
Investec Asset Manag​ement0.0092.80
RBS International0.0091.50
BIBBY Financial Serv​ices0.0090.97
MBNA Europe0.0090.84
Isle of Man Bank Lim​ited0.0090.78
NatWest Bank0.0087.20
RBS0.0087.20
DaimlerChrysler Fina​ncial Services0.0083.33
The West Brom0.0082.63
Diners Club0.0079.35
Standard Life UK0.0079.20
Newcastle Building S​ociety0.0069.93
Moneysupermarket0.0056.69
Quick Quid0.0052.38
Smile0.0050.30
Charity Bank0.0042.20
Macquarie Group Ltd0.0038.40
Newbury Building Soc​iety0.0034.02
Advantage Finance0.0031.18
Bank of Montreal0.0027.20
Brewin Dolphin0.0022.54
Coventry Building So​ciety0.0022.29
Moneyfacts.co.uk0.0014.40
Experian0.0012.86
The Money Shop0.0012.14
Travelex UK0.008.53
Citibank UK0.006.77
Western Union UK0.005.83
Agricultural Mortgag​e Corporation0.003.82
Standard Chartered B​ank UK0.001.82
Visa UK0.001.60
Pershing Securities ​UK0.001.49
Close Premium Financ​e0.001.03
BNP Paribas UK0.000.80
Numis Securities0.000.80
Mortgage Intelligenc​e0.000.79
ABN AMRO Commercial ​Finance0.000.00
Bank of China UK0.000.00
Cash Converters0.000.00
Harrington Brooks0.000.00
Loughborough Buildin​g Society0.000.00
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
  • 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
  • ABN AMRO Commercial Finance
  • Bank of China UK
  • Cash Converters
  • Harrington Brooks
  • 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
  • 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
  • Bank Leumi (Jersey) Limited
  • Moneyextra.com
  • 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)
  • Zenith Bank (UK) Limited
  • Airdrie Savings Bank
  • The Bank of East Asia UK
  • The Loans Engine
  • Weatherbys Bank
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PDF testing

43.2% 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.

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Top ten functional failures

The most common categories of functional failure.

url/fetch/notfound
File not found
74.42%
file/image/badtype
Image file has incorrect type
15.16%
url/fetch/errorstatus
Error status code received from web server
6.66%
url/fetch/noaddr
Host not found in DNS
1.04%
url/fetch/exception
Exception while downloading file
0.55%
url/fetch/redirectloop
Redirect points back to the original page
0.43%
url/fetch/timeout
Timeout downloading file
0.39%
url/fetch/accessdenied
Access is denied
0.35%
url/fetch/badscheme
URL scheme was unrecognised
0.34%
url/fetch/unknownstatus
Unknown status code received from web server
0.26%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
40.02%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.22%
file/html/badvalue
Invalid attribute value
9.86%
file/html/unknownentity
Unknown entity name
8.58%
file/html/badentity
Invalid character in entity
8.27%
file/html/missingclose
An element is missing the required close tag
4.21%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.24%
url/fetch/moved
A "301 Moved Permanently" response was received
2.36%
file/html/closingunopened
A redundant close tag was found
1.73%
file/image/size
Image file size or dimensions do not match
1.67%