2018 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    09 Apr 2018

  • Total URLs tested:

    318,136

  • Total tests run:

    103,849,460

  • Total number of PDF's:

    17,510

  • URLs failing functional tests:

    3.75%

  • Pages failing code standards:

    96.64%

  • Pages missing a title:

    2.23%

  • Pages failing accessibility level A:

    95.10%

  • Pages failing accessibility level AA:

    43.76%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 203,659 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 0.03 1452.33
BM Savings 0.04 220.44
European Bank 0.04 3710.67
Landesbank Berlin 0.05 1963.30
Legal &​ General 0.05 1130.08
Yorkshire Bank 0.05 465.33
Clydesdale Bank 0.05 474.23
PayPoint 0.05 523.80
Leeds Building Socie​ty 0.05 749.47
Halifax 0.05 180.95
National Savings &​ Investments (ns&​i) 0.05 3013.25
Numis Securities 0.05 65.81
Scottish Widows Bank​ plc 0.05 439.00
Smith &​ Williamson 0.05 676.82
Financial Ombudsman ​Service 0.06 4470.53
Bank of Scotland 0.06 1003.38
Darlington Building ​Society 0.06 513.98
M&​S Bank 0.06 447.78
Lloyds Bank Plc 0.06 679.56
Europe Arab Bank Plc​ 0.07 2600.46
Goldman Sachs Intern​ational 0.07 2665.29
Experian 0.07 512.69
HSBC Private Bank 0.07 251.96
Scottish Widows Inve​stment 0.07 392.98
BIBBY Financial Serv​ices 0.07 3323.42
Morgan Stanley &​ Co. International 0.07 1906.47
Bank of Ireland Mort​gages 0.07 552.27
Dudley Building Soci​ety 0.07 8192.00
Agricultural Mortgag​e Corporation 0.08 492.24
Rathbones 0.08 3829.25
London Stock Exchang​e 0.08 604.03
More Than 0.08 2096.25
Sainsbury's Bank 0.08 1109.88
Arbuthnot Banking Gr​oup 0.09 952.38
Cater Allen Private ​Bank 0.09 1069.96
Visa UK 0.09 657.86
Cofunds 0.09 546.99
Shore Capital 0.09 1945.50
Coventry Building So​ciety 0.09 676.45
Investec UK 0.09 414.08
Nationwide Building ​Society 0.09 1175.90
The Nottingham 0.10 392.63
Newbury Building Soc​iety 0.10 1075.97
The Woolwich 0.10 6282.58
Deutsche Bank UK 0.10 1137.73
Julian Hodge Bank 0.10 356.59
Moneysupermarket 0.10 288.61
Teachers Building So​ciety 0.10 8192.00
Barclays Bank 0.10 6428.06
Santander UK 0.10 70.43
DaimlerChrysler Fina​ncial Services 0.10 2606.25
JPMorgan Chase 0.10 841.72
MasterCard UK 0.10 896.14
British Bankers' Association 0.11 372.90
Siemens Financial Se​rvices Limited 0.11 142.07
Cambridge Building S​ociety 0.11 1022.44
Bank of Baroda UK 0.11 855.55
The West Brom 0.11 508.49
DNB Norbank 0.12 104.13
MBNA Europe 0.12 356.37
Virgin Money 0.12 551.29
Yorkshire Building S​ociety 0.12 293.55
Bank of Montreal 0.12 305.42
Advantage Finance 0.12 812.76
Cattles Limited 0.12 1583.76
Ipswich Building Soc​iety 0.12 998.61
Rabobank Internation​al 0.12 1066.43
Skipton Building Soc​iety 0.12 628.11
Ecology Building Soc​iety 0.12 2481.37
Bank of England 0.12 4735.18
C. Hoare &​ Co 0.12 860.05
HSBC Bank 0.12 300.55
Zurich 0.12 821.56
Financial Conduct Au​thority 0.12 2945.00
Standard Life UK 0.13 203.40
ARVAL 0.13 787.14
Coutts &​ Co 0.13 1022.78
State Bank of India ​UK 0.13 363.13
RBS 0.13 775.56
NatWest Bank 0.13 649.26
First Response Finan​ce 0.13 602.78
Tesco Bank 0.13 317.21
Islamic Bank of Brit​ain 0.13 570.80
ClearDebt 0.13 645.44
Cash Converters 0.13 328.09
BNP Paribas UK 0.14 170.96
Brown Shipley 0.14 635.49
The Money Shop 0.14 941.09
Mercer UK 0.14 488.94
Capital One 0.14 749.89
Western Union UK 0.14 334.80
Handelsbanken UK 0.14 363.26
The Co-Operative Ban​k 0.14 733.94
ABN AMRO Commercial ​Finance 0.14 1490.63
Mirabaud Securities ​(UK) 0.14 960.44
Schroders 0.14 3831.48
RBS International 0.15 759.47
Hitachi Capital 0.15 3668.90
Aldermore 0.15 466.38
Isle of Man Bank Lim​ited 0.15 787.23
Ocean Finance 0.15 857.51
Invesco Perpetual 0.16 289.55
Britannia Building S​ociety 0.16 746.92
Metro Bank 0.16 2361.38
Commerzbank UK 0.16 1268.06
Harrods Bank Limited​ 0.16 1338.96
Moneyfacts.co.uk 0.16 135.68
Travelex UK 0.16 553.13
Family Investments 0.17 1251.29
Charles Stanley 0.17 784.77
Chelsea Building Soc​iety 0.17 143.12
Brewin Dolphin 0.17 716.44
M&​G Investments 0.17 991.46
Weatherbys Bank 0.17 910.37
Societe Generale Pri​vate Banking UK 0.17 371.80
Harrington Brooks 0.18 618.72
Building Societies A​ssociation 0.18 1731.59
WH Ireland 0.18 1831.83
Rothschild &​ Sons 0.18 1115.34
Mortgage Intelligenc​e 0.18 319.56
Danske Bank UK 0.19 403.37
BlackRock 0.19 415.41
Teachers Assurance 0.19 337.81
Adam &​ Company 0.20 1027.76
Barclaycard 0.20 1322.89
John Charcol 0.20 1000.45
Credit Suisse Group 0.20 306.42
Bank of Ireland 0.21 536.59
CCLA 0.21 1261.57
National Australia B​ank 0.21 679.63
Northern Trust 0.21 107.35
EBS Building Society​ 0.21 1226.71
Kensington Mortgages​ 0.22 326.26
Newcastle Building S​ociety 0.22 678.58
GCA Altium 0.22 752.24
Paragon Group 0.22 1734.18
AIB Capital Markets 0.23 1312.06
Foresters UK 0.23 609.89
Landesbank Hessen-Th​uringen 0.23 2354.12
Allied Irish Bank UK​ 0.23 1109.14
First Trust Bank 0.23 904.30
Shawbrook 0.24 576.41
Close Brothers Group​ Plc 0.25 1340.43
Vanquis Bank 0.25 263.32
Jefferies Internatio​nal 0.25 174.61
Butterfield Private ​Bank 0.26 177.69
James Hay 0.30 1561.70
Secure Trust Bank Pl​c 0.32 2004.64
Citigroup Global Mar​kets Limited 0.32 586.80
UBS Investment Bank 0.32 991.71
Pershing Securities ​UK 0.32 222.99
ICICI Bank UK 0.33 302.99
Redmayne Bentley Sto​ckbrokers 0.34 221.92
Close Premium Financ​e 0.35 422.86
Cumberland Building ​Society 0.35 347.19
Baines &​ Ernst 0.38 247.55
Old Mutual 0.38 1108.05
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.38 424.06
Daiwa Capitals Marke​ts Europe Ltd 0.39 555.55
Standard Life Invest​ments 0.39 2577.11
BNP Paribas Leasing ​Solutions UK 0.39 1103.60
Loughborough Buildin​g Society 0.40 379.14
Nomura Bank Internat​ional 0.40 247.75
Charles Schwab UK 0.40 238.34
JCB Card Europe 0.43 116.00
Bank of China UK 0.46 27.19
HSBC Bermuda 0.48 243.17
Bank Leumi (UK) Plc 0.49 477.70
Bank of Cyprus UK 0.50 940.57
Quick Quid 0.50 320.39
Macquarie Group Ltd 0.52 179.79
Bank of Tokyo Mitsub​ishi 0.52 107.62
Smile 0.52 584.14
LeasePlan UK 0.52 813.07
Brilliant Solutions 0.53 348.01
Aberdeen Asset Manag​ement 0.53 167.01
Westpac Banking Corp​oration UK 0.55 404.71
BNY Mellon UK 0.58 791.74
GMAC Financial Servi​ces 0.62 418.02
Citibank UK 0.73 196.33
Investec Asset Manag​ement 0.74 895.17
Standard Chartered B​ank UK 0.76 1522.00
Computershare 1.30 513.43
Organisation A AA
Nomura Bank Internat​ional63.5994.99
Tesco Bank50.0097.00
Bank of England39.8786.01
James Hay39.4756.91
Daiwa Capitals Marke​ts Europe Ltd34.1668.07
Financial Conduct Au​thority32.5689.92
Julian Hodge Bank31.5891.23
Close Brothers Group​ Plc29.2472.58
JPMorgan Chase22.9749.12
Rathbones21.7279.19
Foresters UK21.0696.85
Citigroup Global Mar​kets Limited20.5649.53
Paragon Group20.1192.57
John Charcol16.7777.25
M&​G Investments16.4832.97
Schroders16.1056.97
Old Mutual14.7339.32
UBS Investment Bank12.1678.62
Cofunds11.7999.39
Bank of Tokyo Mitsub​ishi11.7698.62
Northern Trust10.8186.45
Sumitomo Mitsui Bank​ing Corporation Euro​pe10.2259.14
HSBC Bermuda10.1826.35
BlackRock9.9453.80
Butterfield Private ​Bank9.8539.41
Landesbank Berlin9.4238.77
Mercer UK8.5016.34
Handelsbanken UK8.0567.79
Dudley Building Soci​ety7.8496.08
The Nottingham7.8032.57
Bank of Baroda UK7.7387.29
European Bank7.7043.44
Rothschild &​ Sons7.4836.92
Bank of Cyprus UK7.0140.19
Charles Schwab UK6.9911.89
C. Hoare &​ Co6.8098.64
Legal &​ General6.6168.18
M&​S Bank6.4595.70
ICICI Bank UK6.2551.30
Morgan Stanley &​ Co. International6.2151.98
Goldman Sachs Intern​ational6.0455.85
Commerzbank UK5.9747.39
Lloyds Bank Plc5.8659.26
Charles Stanley5.8597.07
Secure Trust Bank Pl​c5.7930.17
Europe Arab Bank Plc​5.6678.30
Jefferies Internatio​nal5.6233.71
Hitachi Capital5.4975.61
Nationwide Building ​Society5.2676.69
Brilliant Solutions5.2028.32
Bank of Scotland5.0238.36
Arbuthnot Banking Gr​oup5.0086.36
National Australia B​ank4.9580.18
Computershare4.7611.56
Investec UK4.6667.37
Financial Ombudsman ​Service4.5351.57
Capital One4.5196.24
Virgin Money4.4395.07
Darlington Building ​Society4.3591.30
Coventry Building So​ciety4.2430.91
Family Investments4.1336.36
Bank of Ireland4.1017.44
Teachers Assurance3.5593.91
ClearDebt3.559.22
Rabobank Internation​al3.5328.82
GMAC Financial Servi​ces3.5027.27
Cambridge Building S​ociety3.4795.38
Mirabaud Securities ​(UK)3.1238.39
Cumberland Building ​Society3.1187.58
Coutts &​ Co3.1080.53
London Stock Exchang​e2.9545.25
Danske Bank UK2.9129.07
Aldermore2.8780.46
Leeds Building Socie​ty2.6038.53
DNB Norbank2.4825.47
Metro Bank2.4385.83
State Bank of India ​UK2.4235.48
HSBC Private Bank2.2790.15
Shore Capital2.2618.08
HSBC Bank2.2079.85
Sainsbury's Bank2.1096.22
Allied Irish Bank UK​2.1057.06
National Savings &​ Investments (ns&​i)2.0997.91
Ipswich Building Soc​iety2.0155.85
British Bankers' Association1.9715.13
MasterCard UK1.9616.34
Barclaycard1.8856.88
WH Ireland1.7619.41
Westpac Banking Corp​oration UK1.7150.29
JCB Card Europe1.56100.00
Weatherbys Bank1.3991.67
LeasePlan UK1.3981.94
EBS Building Society​1.2950.00
Ecology Building Soc​iety1.2937.50
Skipton Building Soc​iety1.2333.74
Yorkshire Building S​ociety1.1997.62
Credit Suisse Group1.1885.80
Brown Shipley1.1263.48
CCLA1.1079.49
Zurich1.0688.30
Monmouthshire Buildi​ng Society0.9835.29
Landesbank Hessen-Th​uringen0.8555.68
Bank Leumi (UK) Plc0.8080.80
Ocean Finance0.7992.86
Baines &​ Ernst0.7494.07
AIB Capital Markets0.7273.51
Aberdeen Asset Manag​ement0.7260.14
Bank of Ireland Mort​gages0.6999.31
ARVAL0.6992.36
PayPoint0.6913.19
Adam &​ Company0.6879.45
Chelsea Building Soc​iety0.6797.33
Newcastle Building S​ociety0.6568.83
Deutsche Bank UK0.6318.24
Barclays Bank0.5949.70
The Woolwich0.5850.29
Shawbrook0.5621.67
Cattles Limited0.5420.00
Islamic Bank of Brit​ain0.5130.96
Standard Life Invest​ments0.4293.15
First Trust Bank0.3645.85
First Response Finan​ce0.00100.00
BM Savings0.0099.29
Scottish Widows Inve​stment0.0099.25
BNP Paribas Leasing ​Solutions UK0.0098.73
Harrods Bank Limited​0.0098.59
MBNA Europe0.0098.47
Yorkshire Bank0.0098.29
Clydesdale Bank0.0097.74
GCA Altium0.0097.60
Scottish Widows Bank​ plc0.0096.99
Standard Life UK0.0096.30
Santander UK0.0095.62
Building Societies A​ssociation0.0094.83
Halifax0.0094.40
BIBBY Financial Serv​ices0.0094.30
The Co-Operative Ban​k0.0091.36
Britannia Building S​ociety0.0091.12
RBS0.0090.40
NatWest Bank0.0089.60
Isle of Man Bank Lim​ited0.0087.30
More Than0.0085.62
RBS International0.0083.16
DaimlerChrysler Fina​ncial Services0.0074.66
Moneysupermarket0.0071.65
Investec Asset Manag​ement0.0069.60
The West Brom0.0065.97
Quick Quid0.0052.00
Smile0.0050.90
Bank of Montreal0.0047.20
Macquarie Group Ltd0.0043.20
Vanquis Bank0.0036.50
Cater Allen Private ​Bank0.0035.81
Advantage Finance0.0029.17
Newbury Building Soc​iety0.0029.03
Teachers Building So​ciety0.0025.81
Redmayne Bentley Sto​ckbrokers0.0022.42
Brewin Dolphin0.0021.84
Kensington Mortgages​0.0019.62
Experian0.0016.11
Moneyfacts.co.uk0.0013.60
The Money Shop0.0012.77
Smith &​ Williamson0.009.22
BNY Mellon UK0.008.14
Invesco Perpetual0.005.17
Travelex UK0.004.62
Agricultural Mortgag​e Corporation0.003.82
Citibank UK0.002.34
Standard Chartered B​ank UK0.001.82
Visa UK0.001.60
Western Union UK0.001.60
Numis Securities0.001.59
Close Premium Financ​e0.001.01
BNP Paribas UK0.000.80
Societe Generale Pri​vate Banking UK0.000.80
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
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
  • Bluefin
  • Cahoot
  • Capital Resolve
  • Charity Bank
  • Cheltenham & Gloucester
  • Debt Free Direct Group
  • EFG Group
  • engage Mutual Assurance
  • 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
  • Diners Club
  • Duncan Lawrie Bank
  • The Bank of East Asia UK
  • The Loans Engine
  • TSB Bank Plc
  • 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
43.51%
file/image/badtype
Image file has incorrect type
31.20%
url/fetch/errorstatus
Error status code received from web server
12.62%
url/fetch/accessdenied
Access is denied
5.80%
url/fetch/noaddr
Host not found in DNS
2.17%
url/fetch/exception
Exception while downloading file
1.14%
url/fetch/badscheme
URL scheme was unrecognised
0.84%
url/fetch/timeout
Timeout downloading file
0.82%
url/fetch/redirectloop
Redirect points back to the original page
0.71%
url/fetch/unknownstatus
Unknown status code received from web server
0.48%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
38.57%
file/html/badvalue
Invalid attribute value
16.63%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.03%
file/html/unknownentity
Unknown entity name
7.20%
file/html/badentity
Invalid character in entity
7.09%
file/html/missingclose
An element is missing the required close tag
3.51%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.35%
url/fetch/moved
A "301 Moved Permanently" response was received
2.51%
file/html/closingunopened
A redundant close tag was found
1.74%
file/image/size
Image file size or dimensions do not match
1.43%