2018 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    07 Jul 2018

  • Total URLs tested:

    314,274

  • Total tests run:

    102,581,284

  • Total number of PDF's:

    17,009

  • URLs failing functional tests:

    6.47%

  • Pages failing code standards:

    95.02%

  • Pages missing a title:

    2.54%

  • Pages failing accessibility level A:

    94.97%

  • Pages failing accessibility level AA:

    43.28%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 193,082 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 1605.70
Clydesdale Bank 0.04 414.34
Landesbank Berlin 0.05 1972.71
Leeds Building Socie​ty 0.05 831.52
Scottish Widows Inve​stment 0.05 696.50
Europe Arab Bank Plc​ 0.05 2383.38
Smith &​ Williamson 0.05 666.32
Legal &​ General 0.05 944.76
Darlington Building ​Society 0.05 494.77
Yorkshire Bank 0.05 502.07
Santander UK 0.05 169.90
Numis Securities 0.05 146.73
Dudley Building Soci​ety 0.06 8192.00
Goldman Sachs Intern​ational 0.06 2255.65
Financial Ombudsman ​Service 0.06 2296.09
M&​S Bank 0.06 788.49
Bank of Scotland 0.07 637.06
Scottish Widows Bank​ plc 0.07 443.48
BIBBY Financial Serv​ices 0.07 2205.03
Shore Capital 0.07 2333.27
PayPoint 0.07 586.90
HSBC Bank 0.07 364.61
Agricultural Mortgag​e Corporation 0.08 702.63
More Than 0.08 1958.37
Ipswich Building Soc​iety 0.08 995.79
Ocean Finance 0.08 745.56
Bank of England 0.08 1239.91
Cambridge Building S​ociety 0.09 962.01
Arbuthnot Banking Gr​oup 0.09 928.78
Cater Allen Private ​Bank 0.09 1200.56
ARVAL 0.09 829.46
Rathbones 0.09 693.08
Credit Suisse Group 0.09 893.59
Investec UK 0.09 518.31
HSBC Private Bank 0.10 301.72
Zurich 0.10 909.75
Brewin Dolphin 0.10 1106.28
BM Savings 0.10 198.25
Yorkshire Building S​ociety 0.10 332.79
Aldermore 0.10 425.95
Experian 0.10 762.90
Barclays Bank 0.10 6078.09
Newbury Building Soc​iety 0.10 1001.29
Teachers Assurance 0.10 426.46
Financial Conduct Au​thority 0.10 4288.00
JPMorgan Chase 0.11 788.52
Nationwide Building ​Society 0.11 1346.36
The Money Shop 0.11 810.24
Advantage Finance 0.11 824.81
Charles Stanley 0.11 922.28
MBNA Europe 0.11 355.91
State Bank of India ​UK 0.11 458.67
M&​G Investments 0.11 1040.16
Virgin Money 0.11 494.01
Morgan Stanley &​ Co. International 0.11 3535.08
DaimlerChrysler Fina​ncial Services 0.11 2225.06
Brown Shipley 0.11 887.75
Deutsche Bank UK 0.12 854.69
Britannia Building S​ociety 0.12 531.29
Rabobank Internation​al 0.12 774.38
The Co-Operative Ban​k 0.12 790.30
British Bankers' Association 0.12 379.67
Cattles Limited 0.12 1251.79
Skipton Building Soc​iety 0.12 238.39
European Bank 0.12 1567.68
DNB Norbank 0.12 104.60
Islamic Bank of Brit​ain 0.13 526.90
Moneyfacts.co.uk 0.13 132.43
Ecology Building Soc​iety 0.13 2570.03
MasterCard UK 0.13 942.47
Handelsbanken UK 0.13 644.84
Teachers Building So​ciety 0.13 1672.32
Standard Life UK 0.13 206.56
C. Hoare &​ Co 0.13 1019.77
Sainsbury's Bank 0.13 809.32
The Woolwich 0.13 5553.61
Julian Hodge Bank 0.14 3326.67
The Nottingham 0.14 401.57
Bank of Baroda UK 0.14 718.54
Weatherbys Bank 0.14 1884.26
London Stock Exchang​e 0.14 1079.59
Schroders 0.14 4659.14
ClearDebt 0.14 582.57
Western Union UK 0.14 347.27
First Response Finan​ce 0.14 640.40
Isle of Man Bank Lim​ited 0.14 865.47
RBS International 0.14 795.71
Tesco Bank 0.14 419.15
Commerzbank UK 0.15 1390.71
Coventry Building So​ciety 0.15 925.17
WH Ireland 0.15 2024.27
Chelsea Building Soc​iety 0.15 173.80
EBS Building Society​ 0.15 1737.34
Bank of Ireland Mort​gages 0.15 429.60
NatWest Bank 0.15 854.84
Building Societies A​ssociation 0.15 606.63
Travelex UK 0.16 548.35
Mortgage Intelligenc​e 0.16 348.64
Mirabaud Securities ​(UK) 0.16 946.73
Coutts &​ Co 0.16 1079.22
Newcastle Building S​ociety 0.16 580.11
CCLA 0.17 1320.47
RBS 0.17 623.28
Cash Converters 0.17 476.92
Capital One 0.17 767.69
Pershing Securities ​UK 0.17 335.21
Danske Bank UK 0.17 402.46
Adam &​ Company 0.17 1165.33
Harrington Brooks 0.17 512.85
ABN AMRO Commercial ​Finance 0.18 633.77
AIB Capital Markets 0.18 1737.06
Moneysupermarket 0.18 240.35
Siemens Financial Se​rvices Limited 0.18 116.77
Barclaycard 0.18 907.00
First Trust Bank 0.19 1072.19
National Savings &​ Investments (ns&​i) 0.19 2936.86
Rothschild &​ Sons 0.20 1227.11
Hitachi Capital 0.20 2914.82
Close Brothers Group​ Plc 0.20 1413.53
Close Premium Financ​e 0.20 921.82
GCA Altium 0.20 780.84
Allied Irish Bank UK​ 0.21 1017.07
Family Investments 0.21 951.61
Redmayne Bentley Sto​ckbrokers 0.21 282.27
Vanquis Bank 0.22 278.63
Smile 0.22 1002.90
The West Brom 0.22 509.61
Paragon Group 0.22 1919.39
BlackRock 0.23 413.97
Kensington Mortgages​ 0.23 500.84
Jefferies Internatio​nal 0.24 180.43
Northern Trust 0.24 118.51
Societe Generale Pri​vate Banking UK 0.24 630.23
Bank of Ireland 0.25 761.47
Metro Bank 0.25 3071.66
Harrods Bank Limited​ 0.25 1223.95
BNP Paribas UK 0.26 152.03
James Hay 0.28 1518.12
Landesbank Hessen-Th​uringen 0.29 3623.87
LeasePlan UK 0.29 2073.16
UBS Investment Bank 0.29 907.71
Butterfield Private ​Bank 0.30 172.97
Invesco Perpetual 0.30 222.50
John Charcol 0.32 845.56
ICICI Bank UK 0.32 301.23
Investec Asset Manag​ement 0.33 626.24
National Australia B​ank 0.34 572.35
Daiwa Capitals Marke​ts Europe Ltd 0.36 304.77
Bank of Tokyo Mitsub​ishi 0.39 126.41
Standard Life Invest​ments 0.39 2443.47
Charles Schwab UK 0.41 243.73
JCB Card Europe 0.42 114.41
Citigroup Global Mar​kets Limited 0.42 616.66
Principality Buildin​g Society 0.42 1200.48
Loughborough Buildin​g Society 0.44 395.85
Bank Leumi (UK) Plc 0.44 431.74
Bank of Cyprus UK 0.46 984.37
Quick Quid 0.48 344.48
Computershare 0.48 553.12
Cumberland Building ​Society 0.51 415.58
HSBC Bermuda 0.51 203.31
Aberdeen Asset Manag​ement 0.52 162.68
Bank of China UK 0.53 24.79
Macquarie Group Ltd 0.54 327.71
Visa UK 0.54 36.63
Westpac Banking Corp​oration UK 0.55 540.16
Foresters UK 0.57 593.84
Citibank UK 0.60 234.71
Brilliant Solutions 0.62 301.09
Shawbrook 0.64 440.34
GMAC Financial Servi​ces 0.65 401.04
Standard Chartered B​ank UK 0.71 1299.62
Old Mutual 0.75 198.19
Nomura Bank Internat​ional 0.78 261.72
The Bank of East Asi​a UK 1.10 118.42
Baines &​ Ernst 1.17 269.93
BNP Paribas Leasing ​Solutions UK 1.83 1164.85
Mercer UK 9.08 457.49
Organisation A AA
Nomura Bank Internat​ional68.8193.56
Tesco Bank53.7397.83
James Hay39.1657.28
Bank of England38.9883.07
Financial Conduct Au​thority34.5785.74
Close Brothers Group​ Plc29.4672.61
Foresters UK24.5695.76
JCB Card Europe24.22100.00
JPMorgan Chase23.3549.46
Julian Hodge Bank23.2469.01
M&​G Investments21.6537.11
Paragon Group20.4892.74
Credit Suisse Group19.5182.29
Citigroup Global Mar​kets Limited17.7050.88
Northern Trust17.0770.66
Schroders16.2549.38
Old Mutual16.0437.84
UBS Investment Bank15.0983.05
Bank of Tokyo Mitsub​ishi13.3198.70
HSBC Bermuda12.7033.33
Bank of Baroda UK12.0987.91
European Bank11.7744.03
Rothschild &​ Sons11.1736.89
MasterCard UK11.1725.70
The Bank of East Asi​a UK11.11100.00
Daiwa Capitals Marke​ts Europe Ltd10.4722.67
Landesbank Berlin10.0738.06
Butterfield Private ​Bank9.8539.41
Coventry Building So​ciety8.5746.43
The Nottingham8.2232.88
Bank of Ireland8.1757.21
Commerzbank UK8.0649.45
C. Hoare &​ Co7.9598.68
BlackRock7.7448.21
Charles Stanley7.0691.45
Bank of Cyprus UK7.0444.22
Charles Schwab UK6.9412.50
Dudley Building Soci​ety6.7695.65
Virgin Money6.5795.45
ICICI Bank UK6.4454.64
Morgan Stanley &​ Co. International6.2558.33
Handelsbanken UK6.0071.33
Hitachi Capital5.7391.08
Jefferies Internatio​nal5.7133.71
Nationwide Building ​Society5.6577.03
Brilliant Solutions5.2357.56
Mercer UK5.078.70
Investec UK5.0364.32
Arbuthnot Banking Gr​oup4.9184.82
National Australia B​ank4.5873.53
Computershare4.5216.13
Capital One4.4196.32
M&​S Bank4.4193.63
Family Investments3.7835.71
Mirabaud Securities ​(UK)3.6540.64
ClearDebt3.559.22
Cambridge Building S​ociety3.4195.45
Aldermore3.3983.62
Weatherbys Bank3.3682.35
DNB Norbank3.2629.89
Goldman Sachs Intern​ational3.2042.47
Europe Arab Bank Plc​3.1676.84
Visa UK3.0381.82
Barclaycard2.9926.35
Shore Capital2.7620.44
State Bank of India ​UK2.7539.45
National Savings &​ Investments (ns&​i)2.6998.39
Leeds Building Socie​ty2.6354.89
Santander UK2.6194.77
Danske Bank UK2.6132.03
Darlington Building ​Society2.5284.91
Financial Ombudsman ​Service2.5140.59
Legal &​ General2.5048.75
London Stock Exchang​e2.4950.16
Cumberland Building ​Society2.4788.89
Britannia Building S​ociety2.4287.44
Teachers Assurance2.4097.12
Bank of Scotland2.3727.81
The Co-Operative Ban​k2.3388.37
Mortgage Intelligenc​e2.333.10
Westpac Banking Corp​oration UK2.2251.11
GMAC Financial Servi​ces2.1925.55
Metro Bank2.0391.06
Ipswich Building Soc​iety1.9257.69
WH Ireland1.7522.81
Landesbank Hessen-Th​uringen1.5561.73
ARVAL1.5393.13
Brown Shipley1.5093.98
PayPoint1.3813.10
Adam &​ Company1.3578.38
Zurich1.3380.44
Ecology Building Soc​iety1.2937.77
EBS Building Society​1.2750.00
Cattles Limited1.1218.99
CCLA1.0977.37
AIB Capital Markets1.0066.67
Principality Buildin​g Society 0.8881.86
Sainsbury's Bank0.8696.12
Numis Securities0.791.57
First Response Finan​ce0.76100.00
Scottish Widows Bank​ plc0.7698.47
HSBC Private Bank0.7697.71
Scottish Widows Inve​stment0.7695.45
Baines &​ Ernst0.7494.07
Vanquis Bank0.7235.51
The Money Shop0.7210.79
Bank Leumi (UK) Plc0.7180.85
Coutts &​ Co0.6895.24
Rathbones0.6889.80
British Bankers' Association0.6811.56
Smile0.6540.52
Rabobank Internation​al0.6531.61
Chelsea Building Soc​iety0.6498.08
Yorkshire Building S​ociety0.6394.34
Deutsche Bank UK0.6318.35
Brewin Dolphin0.6018.56
The Woolwich0.5849.71
Skipton Building Soc​iety0.5823.26
Shawbrook0.5620.22
Standard Life Invest​ments0.5292.84
Islamic Bank of Brit​ain0.5130.46
Cater Allen Private ​Bank0.4833.81
Monmouthshire Buildi​ng Society0.4435.68
First Trust Bank0.3648.01
BM Savings0.0099.29
MBNA Europe0.0099.25
BNP Paribas Leasing ​Solutions UK0.0098.81
Harrods Bank Limited​0.0098.55
BIBBY Financial Serv​ices0.0098.14
Yorkshire Bank0.0097.84
Clydesdale Bank0.0097.27
Building Societies A​ssociation0.0096.84
GCA Altium0.0096.80
Standard Life UK0.0096.33
Ocean Finance0.0096.03
RBS0.0094.40
Investec Asset Manag​ement0.0092.00
More Than0.0090.37
NatWest Bank0.0087.20
Isle of Man Bank Lim​ited0.0083.33
RBS International0.0081.73
HSBC Bank0.0077.95
DaimlerChrysler Fina​ncial Services0.0076.98
LeasePlan UK0.0076.00
Bank of Ireland Mort​gages0.0075.00
John Charcol0.0073.88
Moneysupermarket0.0069.29
Aberdeen Asset Manag​ement0.0064.44
Newcastle Building S​ociety0.0062.76
Quick Quid0.0057.94
The West Brom0.0057.05
Barclays Bank0.0048.84
Macquarie Group Ltd0.0035.20
Allied Irish Bank UK​0.0030.39
Advantage Finance0.0030.21
Teachers Building So​ciety0.0027.60
Kensington Mortgages​0.0024.12
Newbury Building Soc​iety0.0022.22
Redmayne Bentley Sto​ckbrokers0.0021.82
Experian0.0017.11
Moneyfacts.co.uk0.0014.40
Smith &​ Williamson0.009.66
Invesco Perpetual0.006.45
Agricultural Mortgag​e Corporation0.005.30
Travelex UK0.003.91
Standard Chartered B​ank UK0.003.57
Citibank UK0.002.99
Close Premium Financ​e0.001.00
BNP Paribas UK0.000.80
Societe Generale Pri​vate Banking UK0.000.80
Western Union UK0.000.80
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
  • Clydesdale Bank
  • John Charcol
  • JCB Card Europe
  • 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
  • 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
  • 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
  • Bank of Montreal
  • BNY Mellon UK
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • Lloyds Bank Plc
  • Secure Trust Bank Plc
  • Sumitomo Mitsui Banking Corporation Europe
  • The Loans Engine
  • TSB Bank Plc
  • Ulster Bank
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PDF testing

47.0% 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/accessdenied
Access is denied
37.34%
url/fetch/notfound
File not found
31.37%
file/image/badtype
Image file has incorrect type
20.99%
url/fetch/errorstatus
Error status code received from web server
5.65%
url/fetch/noaddr
Host not found in DNS
1.40%
url/fetch/timeout
Timeout downloading file
0.93%
url/fetch/exception
Exception while downloading file
0.57%
url/fetch/unknownstatus
Unknown status code received from web server
0.49%
url/fetch/badscheme
URL scheme was unrecognised
0.48%
url/fetch/redirectloop
Redirect points back to the original page
0.27%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
39.76%
file/html/badvalue
Invalid attribute value
11.29%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
10.72%
file/html/unknowntag
A start or end tag was found which was unrecognised
8.47%
file/html/unknownentity
Unknown entity name
8.45%
file/html/badentity
Invalid character in entity
8.36%
file/html/missingclose
An element is missing the required close tag
2.98%
url/fetch/moved
A "301 Moved Permanently" response was received
2.49%
file/html/closingunopened
A redundant close tag was found
1.66%
file/image/size
Image file size or dimensions do not match
1.25%