2018 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    08 Jan 2018

  • Total URLs tested:

    344,127

  • Total tests run:

    112,335,977

  • Total number of PDF's:

    19,027

  • URLs failing functional tests:

    9.11%

  • Pages failing code standards:

    96.10%

  • Pages missing a title:

    2.58%

  • Pages failing accessibility level A:

    95.54%

  • Pages failing accessibility level AA:

    42.05%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 203,190 failures

  • Fastest average response time:

    Clydesdale Bank (http://www.cbonline.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 2.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
Clydesdale Bank 0.02 771.19
Monmouthshire Buildi​ng Society 0.03 1512.01
BM Savings 0.03 197.44
Yorkshire Bank 0.03 2213.32
Harrods Bank Limited​ 0.03 697.34
Diners Club 0.03 3469.68
Shore Capital 0.04 1061.96
European Bank 0.04 3097.80
Financial Ombudsman ​Service 0.04 5910.57
Santander UK 0.04 108.71
Leeds Building Socie​ty 0.04 795.19
Legal &​ General 0.04 2015.28
Landesbank Berlin 0.05 1829.08
Numis Securities 0.05 69.72
Scottish Widows Inve​stment 0.05 418.69
Rathbones 0.05 959.15
Moneysupermarket 0.05 167.30
Siemens Financial Se​rvices Limited 0.05 152.28
Halifax 0.05 177.74
Goldman Sachs Intern​ational 0.05 868.57
Bank of Ireland Mort​gages 0.06 619.87
Bank of Scotland 0.06 983.40
Dudley Building Soci​ety 0.06 8192.00
Darlington Building ​Society 0.06 461.38
Scottish Widows Bank​ plc 0.06 419.34
CCLA 0.06 1388.70
DaimlerChrysler Fina​ncial Services 0.06 2157.93
M&​S Bank 0.06 478.36
Europe Arab Bank Plc​ 0.07 2423.44
The Co-Operative Ban​k 0.07 605.11
Morgan Stanley &​ Co. International 0.07 2178.25
Cofunds 0.07 573.28
London Stock Exchang​e 0.07 627.52
Lloyds Bank Plc 0.07 652.18
The West Brom 0.07 450.80
Agricultural Mortgag​e Corporation 0.07 478.70
More Than 0.07 3026.73
Cater Allen Private ​Bank 0.07 1481.67
Ipswich Building Soc​iety 0.07 1193.67
Experian 0.07 377.68
Duncan Lawrie Bank 0.07 53.60
Investec UK 0.08 195.57
Smith &​ Williamson 0.08 910.34
National Savings &​ Investments (ns&​i) 0.09 2924.00
Sainsbury's Bank 0.09 961.25
Visa UK 0.09 589.83
The Woolwich 0.09 3178.07
HSBC Private Bank 0.09 299.41
Cambridge Building S​ociety 0.10 746.60
MBNA Europe 0.10 659.51
MasterCard UK 0.10 763.50
Nationwide Building ​Society 0.10 1255.49
Skipton Building Soc​iety 0.10 116.35
DNB Norbank 0.10 78.92
Zurich 0.10 745.01
Bank of Baroda UK 0.10 1075.17
Advantage Finance 0.10 834.48
Capital One 0.10 787.82
Arbuthnot Banking Gr​oup 0.10 913.41
Financial Conduct Au​thority 0.10 3605.71
Danske Bank UK 0.10 545.25
Ecology Building Soc​iety 0.11 2115.07
Teachers Building So​ciety 0.11 8192.00
Barclays Bank 0.11 2866.46
Moneyfacts.co.uk 0.11 137.06
BIBBY Financial Serv​ices 0.11 1833.67
JPMorgan Chase 0.11 838.15
Barclaycard 0.11 2748.45
Deutsche Bank UK 0.12 1101.00
State Bank of India ​UK 0.12 401.74
Cattles Limited 0.12 1256.96
Standard Life UK 0.12 107.73
Newbury Building Soc​iety 0.12 1106.93
ARVAL 0.12 795.61
HSBC Bank 0.12 208.97
PayPoint 0.13 562.29
The Money Shop 0.13 1058.60
Building Societies A​ssociation 0.13 806.22
Bank of Montreal 0.13 291.07
Ocean Finance 0.13 934.53
The Nottingham 0.13 346.56
ClearDebt 0.13 561.19
RBS 0.13 826.96
Virgin Money 0.14 504.22
Bank of Ireland 0.14 509.98
British Bankers' Association 0.14 346.95
ABN AMRO Commercial ​Finance 0.14 1263.16
Mercer UK 0.14 222.38
Tesco Bank 0.14 334.29
TSB Bank Plc 0.14 1607.11
Brown Shipley 0.14 604.33
First Response Finan​ce 0.14 596.50
Teachers Assurance 0.14 414.77
Isle of Man Bank Lim​ited 0.15 693.78
NatWest Bank 0.15 655.23
Bank of England 0.15 4983.20
Julian Hodge Bank 0.15 4110.19
Credit Suisse Group 0.15 972.76
Handelsbanken UK 0.15 399.91
Rabobank Internation​al 0.15 1821.84
Islamic Bank of Brit​ain 0.15 558.32
Newcastle Building S​ociety 0.15 739.54
RBS International 0.15 501.38
Commerzbank UK 0.16 1364.18
Metro Bank 0.16 1869.14
Brewin Dolphin 0.16 592.33
Western Union UK 0.16 505.12
Yorkshire Building S​ociety 0.16 276.71
Family Investments 0.16 1002.00
Weatherbys Bank 0.16 1067.21
GCA Altium 0.17 472.49
Coutts &​ Co 0.17 1311.34
First Trust Bank 0.17 912.54
AIB Capital Markets 0.17 1062.17
EBS Building Society​ 0.18 1016.20
Mortgage Intelligenc​e 0.18 328.19
Rothschild &​ Sons 0.18 1494.01
Bank of Cyprus UK 0.18 588.07
Charles Stanley 0.18 750.16
Northern Trust 0.19 118.30
Travelex UK 0.19 684.02
Allied Irish Bank UK​ 0.20 903.55
Hitachi Capital 0.20 3911.04
engage Mutual Assura​nce 0.20 1036.30
Adam &​ Company 0.21 1088.59
C. Hoare &​ Co 0.22 977.57
Vanquis Bank 0.22 296.03
Mirabaud Securities ​(UK) 0.22 843.47
Smile 0.23 1048.09
BlackRock 0.23 468.76
Close Brothers Group​ Plc 0.23 1286.12
Jefferies Internatio​nal 0.24 166.94
Societe Generale Pri​vate Banking UK 0.24 444.15
Foresters UK 0.24 565.05
Kensington Mortgages​ 0.25 548.85
Bank Leumi (UK) Plc 0.25 197.52
Chelsea Building Soc​iety 0.25 134.33
Paragon Group 0.26 1762.60
WH Ireland 0.26 2049.55
Aldermore 0.27 306.23
Secure Trust Bank Pl​c 0.27 3850.33
Coventry Building So​ciety 0.27 465.26
Charity Bank 0.27 3441.29
Cash Converters 0.27 330.01
Butterfield Private ​Bank 0.28 166.64
James Hay 0.28 1367.05
M&​G Investments 0.28 1193.58
ICICI Bank UK 0.30 283.54
Shawbrook 0.30 158.45
Redmayne Bentley Sto​ckbrokers 0.30 314.24
Cumberland Building ​Society 0.31 881.75
Close Premium Financ​e 0.32 470.07
Harrington Brooks 0.32 913.45
Pershing Securities ​UK 0.33 239.21
National Australia B​ank 0.34 337.29
BNP Paribas Leasing ​Solutions UK 0.34 1265.87
UBS Investment Bank 0.35 990.88
Schroders 0.35 2953.91
Landesbank Hessen-Th​uringen 0.36 1359.78
Old Mutual 0.36 972.33
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.37 365.25
Charles Schwab UK 0.37 201.55
Loughborough Buildin​g Society 0.38 401.21
Daiwa Capitals Marke​ts Europe Ltd 0.39 369.90
John Charcol 0.40 417.30
Baines &​ Ernst 0.40 287.94
Brilliant Solutions 0.41 247.09
Nomura Bank Internat​ional 0.43 164.44
Citigroup Global Mar​kets Limited 0.45 436.22
Bluefin 0.46 446.76
Macquarie Group Ltd 0.46 297.42
JCB Card Europe 0.47 108.30
Aberdeen Asset Manag​ement 0.48 160.10
Quick Quid 0.50 341.58
Bank of Tokyo Mitsub​ishi 0.51 126.98
Computershare 0.52 543.76
Standard Life Invest​ments 0.55 130.30
HSBC Bermuda 0.57 168.54
Citibank UK 0.59 217.28
BNP Paribas UK 0.61 142.38
GMAC Financial Servi​ces 0.63 419.82
BNY Mellon UK 0.63 1646.98
Investec Asset Manag​ement 0.63 1062.47
Bank of China UK 0.64 31.51
Westpac Banking Corp​oration UK 0.65 510.11
LeasePlan UK 0.78 405.51
Standard Chartered B​ank UK 0.86 1374.38
Organisation A AA
Tesco Bank48.8396.66
Nomura Bank Internat​ional43.2497.68
Bank of England35.7385.08
Financial Conduct Au​thority33.0790.89
M&​G Investments29.3925.00
Close Brothers Group​ Plc28.9571.58
James Hay27.3146.99
BlackRock25.8783.50
JPMorgan Chase23.9750.95
Julian Hodge Bank21.9971.63
Foresters UK21.0595.90
Citigroup Global Mar​kets Limited19.3847.61
Paragon Group17.6492.87
John Charcol17.3975.78
Daiwa Capitals Marke​ts Europe Ltd17.0244.68
Schroders15.2457.32
Old Mutual15.2138.03
UBS Investment Bank12.9575.45
Northern Trust12.2487.24
Cofunds12.1799.39
Bank of Tokyo Mitsub​ishi11.5398.98
Rothschild &​ Sons11.0748.47
European Bank10.5343.81
Dudley Building Soci​ety9.9095.31
Butterfield Private ​Bank9.8539.41
Sumitomo Mitsui Bank​ing Corporation Euro​pe9.8455.44
Charles Stanley9.5289.05
Landesbank Berlin8.8247.06
HSBC Bermuda8.4823.64
The Nottingham8.1331.10
Bank of Baroda UK7.5188.44
Charles Schwab UK6.9911.89
Bank of Cyprus UK6.7638.16
Secure Trust Bank Pl​c6.4333.73
M&​S Bank6.3296.32
Morgan Stanley &​ Co. International6.3258.05
Yorkshire Building S​ociety6.2294.82
Goldman Sachs Intern​ational6.1653.62
Lloyds Bank Plc6.0557.96
Handelsbanken UK5.9269.08
ICICI Bank UK5.8451.46
Europe Arab Bank Plc​5.7776.92
C. Hoare &​ Co5.7098.73
Hitachi Capital5.6676.73
Nationwide Building ​Society5.6276.40
National Australia B​ank5.5681.94
Commerzbank UK5.3543.62
State Bank of India ​UK5.2636.84
Jefferies Internatio​nal5.1128.98
Family Investments4.8838.62
engage Mutual Assura​nce4.8039.20
Computershare4.7611.56
Arbuthnot Banking Gr​oup4.6785.98
Bank of Ireland4.1218.04
Virgin Money4.0893.37
Mercer UK3.686.62
Mirabaud Securities ​(UK)3.6646.07
ClearDebt3.555.67
Teachers Assurance3.5095.00
Financial Ombudsman ​Service3.4953.02
Darlington Building ​Society3.2793.46
Cumberland Building ​Society3.2386.45
National Savings &​ Investments (ns&​i)3.1798.94
DNB Norbank3.1226.25
Danske Bank UK2.9825.60
Bank of Scotland2.9741.95
Coutts &​ Co2.8482.94
London Stock Exchang​e2.7243.88
Leeds Building Socie​ty2.6875.89
GMAC Financial Servi​ces2.6829.53
Barclaycard2.6679.79
Rabobank Internation​al2.5935.23
Cambridge Building S​ociety2.3597.65
HSBC Private Bank2.3396.12
Aldermore2.3191.33
Brilliant Solutions2.3128.32
Barclays Bank2.2650.28
The Woolwich2.2649.72
Allied Irish Bank UK​2.1753.25
MasterCard UK2.1230.16
Investec UK2.1164.79
Sainsbury's Bank2.0395.53
Metro Bank1.7989.29
Shore Capital1.7417.44
Legal &​ General1.6990.45
Ipswich Building Soc​iety1.6356.21
HSBC Bank1.6079.20
JCB Card Europe1.57100.00
Harrods Bank Limited​1.5789.76
Weatherbys Bank1.4589.86
Smith &​ Williamson1.4513.04
Aberdeen Asset Manag​ement1.4466.19
EBS Building Society​1.4245.20
WH Ireland1.2319.75
Westpac Banking Corp​oration UK1.1450.29
Brown Shipley1.1362.15
CCLA1.1179.63
Zurich1.0688.36
Teachers Building So​ciety1.0626.60
Monmouthshire Buildi​ng Society1.0034.00
Credit Suisse Group0.9475.47
Bank Leumi (UK) Plc0.8980.36
Ecology Building Soc​iety0.8736.68
The Co-Operative Ban​k0.8587.29
Landesbank Hessen-Th​uringen0.8162.35
LeasePlan UK0.8088.00
Ocean Finance0.7988.89
First Response Finan​ce0.78100.00
Baines &​ Ernst0.7494.07
Rathbones0.7089.51
Bank of Ireland Mort​gages0.6999.31
Adam &​ Company0.6977.24
Chelsea Building Soc​iety0.6799.33
British Bankers' Association0.6614.47
Santander UK0.6396.84
Deutsche Bank UK0.6218.12
Smile0.5950.89
Kensington Mortgages​0.5825.73
TSB Bank Plc0.5574.73
Cattles Limited0.5320.86
Islamic Bank of Brit​ain0.5131.12
Standard Life Invest​ments0.4592.80
Cater Allen Private ​Bank0.4436.28
AIB Capital Markets0.3873.37
First Trust Bank0.3351.32
Bluefin0.00100.00
Duncan Lawrie Bank0.00100.00
GCA Altium0.00100.00
BNP Paribas Leasing ​Solutions UK0.0099.40
BM Savings0.0099.28
Scottish Widows Bank​ plc0.0099.24
Scottish Widows Inve​stment0.0098.45
Yorkshire Bank0.0098.01
Clydesdale Bank0.0097.65
Capital One0.0097.06
Building Societies A​ssociation0.0095.48
BIBBY Financial Serv​ices0.0095.21
ARVAL0.0094.37
Halifax0.0093.60
MBNA Europe0.0093.13
Moneysupermarket0.0093.02
Investec Asset Manag​ement0.0092.80
Standard Life UK0.0092.56
Isle of Man Bank Lim​ited0.0091.27
RBS International0.0090.57
RBS0.0090.40
More Than0.0086.49
NatWest Bank0.0084.00
The West Brom0.0080.12
Societe Generale Pri​vate Banking UK0.0078.40
Diners Club0.0077.78
DaimlerChrysler Fina​ncial Services0.0075.47
Newcastle Building S​ociety0.0063.01
Quick Quid0.0057.94
Macquarie Group Ltd0.0045.60
Charity Bank0.0044.44
Vanquis Bank0.0038.69
Bank of Montreal0.0038.40
Newbury Building Soc​iety0.0034.00
Advantage Finance0.0031.58
Redmayne Bentley Sto​ckbrokers0.0029.19
Brewin Dolphin0.0022.73
Shawbrook0.0022.22
Coventry Building So​ciety0.0016.89
PayPoint0.0016.11
Moneyfacts.co.uk0.0014.40
The Money Shop0.0012.14
Experian0.0011.97
BNY Mellon UK0.008.33
Travelex UK0.004.62
Agricultural Mortgag​e Corporation0.003.82
Western Union UK0.003.81
Visa UK0.002.38
Standard Chartered B​ank UK0.001.82
Skipton Building Soc​iety0.001.47
Close Premium Financ​e0.001.03
BNP Paribas UK0.000.80
Numis Securities0.000.80
Mortgage Intelligenc​e0.000.79
Citibank UK0.000.78
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
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.

  • Cater Allen Private Bank
  • Chelsea 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
  • ABN AMRO Commercial Finance
  • Bank of China UK
  • Cash Converters
  • Harrington Brooks
  • 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
  • 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
  • Principality Building Society
  • Raphaels Bank
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • SVS Securities
  • Syscap
  • 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
  • Invesco Perpetual
  • The Loans Engine
  • Ulster Bank
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PDF testing

45.7% 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
50.30%
url/fetch/accessdenied
Access is denied
23.79%
file/image/badtype
Image file has incorrect type
15.49%
url/fetch/errorstatus
Error status code received from web server
7.01%
url/fetch/noaddr
Host not found in DNS
1.06%
url/fetch/exception
Exception while downloading file
0.63%
url/fetch/timeout
Timeout downloading file
0.40%
url/fetch/redirectloop
Redirect points back to the original page
0.38%
url/fetch/unknownstatus
Unknown status code received from web server
0.34%
url/fetch/badscheme
URL scheme was unrecognised
0.28%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
39.39%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.76%
file/html/badvalue
Invalid attribute value
10.74%
file/html/unknownentity
Unknown entity name
7.58%
file/html/badentity
Invalid character in entity
7.33%
file/html/missingclose
An element is missing the required close tag
4.11%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.14%
url/fetch/moved
A "301 Moved Permanently" response was received
2.86%
file/html/closingunopened
A redundant close tag was found
2.01%
file/image/size
Image file size or dimensions do not match
1.68%