2018 Q4/UK Consumer Finance


Summary

Full results


Expand / contract icon

INDEX Facts

  • Completed date:

    06 Oct 2018

  • Total URLs tested:

    309,966

  • Total tests run:

    101,217,090

  • Total number of PDF's:

    18,390

  • URLs failing functional tests:

    6.13%

  • Pages failing code standards:

    94.51%

  • Pages missing a title:

    2.56%

  • Pages failing accessibility level A:

    95.10%

  • Pages failing accessibility level AA:

    44.85%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 189,009 failures

  • Fastest average response time:

    Yorkshire Bank (http://www.ybonline.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 2.1 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
Yorkshire Bank 0.03 637.14
Santander UK 0.04 154.66
Leeds Building Socie​ty 0.04 807.88
Financial Ombudsman ​Service 0.04 4485.99
Darlington Building ​Society 0.05 552.43
Landesbank Berlin 0.05 1830.81
Numis Securities 0.05 64.48
Bank of Baroda UK 0.05 1299.87
DaimlerChrysler Fina​ncial Services 0.06 558.79
Dudley Building Soci​ety 0.06 8192.00
Clydesdale Bank 0.07 636.81
More Than 0.07 1839.53
Ocean Finance 0.07 722.89
M&​S Bank 0.07 828.88
Goldman Sachs Intern​ational 0.07 3529.98
HSBC Bank 0.07 339.43
Investec UK 0.07 723.02
Morgan Stanley &​ Co. International 0.07 4491.21
Legal &​ General 0.07 859.91
Siemens Financial Se​rvices Limited 0.07 102.36
Rabobank Internation​al 0.08 798.22
BIBBY Financial Serv​ices 0.08 2276.58
Smith &​ Williamson 0.08 680.55
Shore Capital 0.08 2021.41
Societe Generale Pri​vate Banking UK 0.08 1077.86
Ipswich Building Soc​iety 0.08 1221.87
The Money Shop 0.09 264.18
Moneyfacts.co.uk 0.09 154.52
Brewin Dolphin 0.09 1297.48
Agricultural Mortgag​e Corporation 0.09 764.08
Cahoot 0.09 1088.91
BM Savings 0.09 190.82
MBNA Europe 0.09 397.59
Financial Conduct Au​thority 0.09 4557.81
Rathbones 0.09 1002.02
Cambridge Building S​ociety 0.09 857.93
Yorkshire Building S​ociety 0.09 318.22
Advantage Finance 0.10 790.96
Cater Allen Private ​Bank 0.10 1263.40
HSBC Private Bank 0.10 374.95
Nationwide Building ​Society 0.10 1300.00
M&​G Investments 0.10 961.02
Aldermore 0.10 468.55
Credit Suisse Group 0.10 947.75
Zurich 0.10 932.07
Newbury Building Soc​iety 0.10 901.89
Europe Arab Bank Plc​ 0.10 2569.10
MasterCard UK 0.11 1096.88
Chelsea Building Soc​iety 0.11 189.10
Barclays Bank 0.11 5573.09
Bank of Cyprus UK 0.11 1391.60
State Bank of India ​UK 0.11 516.17
JPMorgan Chase 0.11 855.55
Experian 0.12 575.85
Deutsche Bank UK 0.12 949.01
Cattles Limited 0.12 1463.31
DNB Norbank 0.12 127.10
British Bankers' Association 0.12 322.66
Building Societies A​ssociation 0.12 899.07
Virgin Money 0.12 593.93
ARVAL 0.12 1009.07
Mirabaud Securities ​(UK) 0.12 1085.44
Weatherbys Bank 0.12 1819.24
Charles Stanley 0.12 855.79
Sainsbury's Bank 0.12 1056.86
Skipton Building Soc​iety 0.12 246.98
Britannia Building S​ociety 0.13 589.13
The Co-Operative Ban​k 0.13 514.48
C. Hoare &​ Co 0.13 1133.84
Standard Life UK 0.13 200.54
Ecology Building Soc​iety 0.13 2977.35
BNP Paribas Leasing ​Solutions UK 0.13 850.18
Adam &​ Company 0.13 471.43
Islamic Bank of Brit​ain 0.13 591.65
Capital One 0.13 808.43
Moneysupermarket 0.13 224.82
Handelsbanken UK 0.14 753.52
Coventry Building So​ciety 0.14 1212.13
WH Ireland 0.14 1905.51
Bank of England 0.14 1090.06
Arbuthnot Banking Gr​oup 0.14 711.87
Monmouthshire Buildi​ng Society 0.15 898.35
Julian Hodge Bank 0.15 3154.16
Commerzbank UK 0.15 1287.63
Teachers Building So​ciety 0.15 1698.22
RBS International 0.15 454.28
Travelex UK 0.16 431.03
Western Union UK 0.16 240.68
Pershing Securities ​UK 0.16 322.40
Barclaycard 0.16 854.16
Isle of Man Bank Lim​ited 0.16 820.08
Tesco Bank 0.16 352.23
CCLA 0.16 1266.67
Harrington Brooks 0.17 517.30
Paragon Group 0.17 1849.16
Cumberland Building ​Society 0.17 362.96
RBS 0.17 604.29
National Savings &​ Investments (ns&​i) 0.17 2602.37
Danske Bank UK 0.17 400.82
Mortgage Intelligenc​e 0.17 521.55
European Bank 0.17 1221.56
ClearDebt 0.18 513.64
First Response Finan​ce 0.18 660.72
London Stock Exchang​e 0.18 821.03
The Nottingham 0.18 303.85
The Woolwich 0.18 6017.88
Bank of Ireland Mort​gages 0.18 388.60
Rothschild &​ Sons 0.19 1197.53
ABN AMRO Commercial ​Finance 0.19 1422.09
Gulf International B​ank 0.19 216.24
Close Brothers Group​ Plc 0.20 1571.60
GCA Altium 0.21 831.42
Northern Trust 0.21 95.89
Coutts &​ Co 0.21 577.59
Principality Buildin​g Society 0.21 1355.94
Kensington Mortgages​ 0.21 468.61
Newcastle Building S​ociety 0.22 541.19
The West Brom 0.22 609.60
FCE Bank 0.22 224.95
John Charcol 0.23 970.27
BlackRock 0.23 360.67
Jefferies Internatio​nal 0.23 205.84
Cash Converters 0.24 371.74
Brown Shipley 0.24 726.37
Bank of Ireland 0.24 933.04
Smile 0.24 1009.68
AIB Capital Markets 0.24 1030.54
Hitachi Capital 0.25 2353.59
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.25 341.88
Allied Irish Bank UK​ 0.25 977.07
LeasePlan UK 0.26 1727.42
Close Premium Financ​e 0.27 629.61
Invesco Perpetual 0.27 154.48
Scottish Widows Bank​ plc 0.28 700.63
Metro Bank 0.28 3369.31
Family Investments 0.29 799.04
Scottish Widows Inve​stment 0.31 696.42
Vanquis Bank 0.31 377.04
National Australia B​ank 0.32 818.43
UBS Investment Bank 0.32 847.16
Butterfield Private ​Bank 0.33 178.71
James Hay 0.35 1597.61
Schroders 0.35 4109.90
Redmayne Bentley Sto​ckbrokers 0.35 232.41
ICICI Bank UK 0.36 285.94
Landesbank Hessen-Th​uringen 0.38 3240.58
Daiwa Capitals Marke​ts Europe Ltd 0.39 217.18
Standard Life Invest​ments 0.40 2393.93
First Trust Bank 0.40 720.69
JCB Card Europe 0.42 114.46
BNP Paribas UK 0.43 135.54
Bank of Tokyo Mitsub​ishi 0.44 198.46
NatWest Bank 0.45 573.96
Loughborough Buildin​g Society 0.45 405.91
Bank Leumi (UK) Plc 0.47 508.89
Foresters UK 0.47 564.01
EBS Building Society​ 0.47 1275.50
Westpac Banking Corp​oration UK 0.48 424.43
Citigroup Global Mar​kets Limited 0.48 365.11
Computershare 0.49 510.98
Charles Schwab UK 0.49 254.55
Nomura Bank Internat​ional 0.49 323.69
Investec Asset Manag​ement 0.50 1120.77
Aberdeen Asset Manag​ement 0.50 162.65
Quick Quid 0.51 273.74
Citibank UK 0.57 199.15
Shawbrook 0.58 514.02
GMAC Financial Servi​ces 0.60 409.43
Old Mutual 0.66 207.24
Brilliant Solutions 0.67 312.71
Bank of China UK 0.69 28.55
Standard Chartered B​ank UK 0.79 1187.36
Macquarie Group Ltd 0.85 602.38
HSBC Bermuda 1.02 158.60
Baines &​ Ernst 1.13 278.52
Mercer UK 8.87 375.70
Organisation A AA
Nomura Bank Internat​ional66.4295.83
Tesco Bank57.3498.02
James Hay44.2255.78
Bank of England38.0285.05
Financial Conduct Au​thority34.4884.39
Close Brothers Group​ Plc29.3272.68
JPMorgan Chase24.1350.08
JCB Card Europe23.44100.00
Paragon Group19.8287.93
Citigroup Global Mar​kets Limited18.2750.87
Credit Suisse Group17.7686.60
M&​G Investments16.8630.81
Old Mutual15.4253.24
Schroders15.3450.44
Northern Trust15.0970.41
Sumitomo Mitsui Bank​ing Corporation Euro​pe14.9444.25
Cahoot14.9398.51
UBS Investment Bank14.4784.06
Julian Hodge Bank14.0859.86
Rothschild &​ Sons13.4340.74
Bank of Tokyo Mitsub​ishi12.6998.76
European Bank11.3244.08
Daiwa Capitals Marke​ts Europe Ltd10.6724.72
Landesbank Berlin10.2938.60
Butterfield Private ​Bank9.8539.41
Virgin Money9.5595.98
Morgan Stanley &​ Co. International8.9665.37
Bank of Ireland8.8557.96
Bank of Baroda UK8.5687.70
Charles Stanley8.1291.14
C. Hoare &​ Co7.9598.68
Commerzbank UK7.8948.75
The Nottingham7.4130.56
Dudley Building Soci​ety6.9495.83
ICICI Bank UK6.8054.91
M&​S Bank6.7395.67
Charles Schwab UK6.4312.86
Jefferies Internatio​nal6.2534.09
Europe Arab Bank Plc​6.1277.55
Mercer UK5.846.57
Handelsbanken UK5.8165.81
Nationwide Building ​Society5.6573.85
Brilliant Solutions5.2356.98
Arbuthnot Banking Gr​oup5.1984.42
Investec UK5.1764.48
Hitachi Capital4.9779.50
Foresters UK4.7597.21
National Australia B​ank4.6173.03
Legal &​ General4.4949.36
Metro Bank4.4288.76
Cumberland Building ​Society4.2923.31
Brewin Dolphin4.2328.04
Landesbank Hessen-Th​uringen4.1584.33
Bank of Cyprus UK3.9895.45
Aldermore3.9182.12
Rabobank Internation​al3.7028.40
Capital One3.6894.85
ClearDebt3.559.22
Cambridge Building S​ociety3.4995.93
MasterCard UK3.3314.67
Westpac Banking Corp​oration UK3.2350.00
Mirabaud Securities ​(UK)3.2148.19
Clydesdale Bank3.1997.87
Yorkshire Bank3.1197.93
Weatherbys Bank3.0883.85
Leeds Building Socie​ty2.8840.33
The Woolwich2.8749.43
Barclays Bank2.8650.29
DNB Norbank2.7828.33
State Bank of India ​UK2.7538.53
Coventry Building So​ciety2.7339.45
Shore Capital2.7320.22
Goldman Sachs Intern​ational2.7040.54
Santander UK2.6195.42
National Savings &​ Investments (ns&​i)2.5698.46
Financial Ombudsman ​Service2.4630.54
Barclaycard2.4524.54
Mortgage Intelligenc​e2.333.10
London Stock Exchang​e2.3151.59
BlackRock2.3033.33
Danske Bank UK2.2930.86
Britannia Building S​ociety2.2591.44
HSBC Private Bank2.2197.06
GMAC Financial Servi​ces2.1626.62
Darlington Building ​Society1.8587.04
Ipswich Building Soc​iety1.8559.26
Sainsbury's Bank1.8195.48
Brown Shipley1.5093.23
ARVAL1.4193.66
Adam &​ Company1.4076.92
Bank Leumi (UK) Plc1.3682.99
EBS Building Society​1.3150.00
Zurich1.3082.68
The Co-Operative Ban​k1.2894.87
Coutts &​ Co1.2372.84
Family Investments1.1322.60
CCLA1.1177.49
WH Ireland1.1126.11
Cater Allen Private ​Bank0.9933.50
Vanquis Bank0.9312.96
Principality Buildin​g Society 0.8779.91
Ecology Building Soc​iety0.8638.20
Scottish Widows Bank​ plc0.7890.70
First Response Finan​ce0.76100.00
The Money Shop0.766.06
Scottish Widows Inve​stment0.7590.98
Baines &​ Ernst0.7494.07
British Bankers' Association0.6811.56
Rathbones0.6811.56
Smile0.6541.18
Chelsea Building Soc​iety0.6498.08
Building Societies A​ssociation0.6494.27
Deutsche Bank UK0.6318.35
Yorkshire Building S​ociety0.5927.22
Cattles Limited0.5816.28
Shawbrook0.5717.24
Monmouthshire Buildi​ng Society0.5131.28
Standard Life Invest​ments0.4494.21
First Trust Bank0.4044.94
AIB Capital Markets0.3752.59
BNP Paribas Leasing ​Solutions UK0.00100.00
FCE Bank0.00100.00
BM Savings0.0099.29
MBNA Europe0.0098.50
Standard Life UK0.0098.15
Agricultural Mortgag​e Corporation0.0096.97
GCA Altium0.0096.80
Ocean Finance0.0096.03
BIBBY Financial Serv​ices0.0094.41
More Than0.0090.98
Moneysupermarket0.0088.89
RBS International0.0083.06
Isle of Man Bank Lim​ited0.0082.54
Investec Asset Manag​ement0.0082.40
RBS0.0082.40
HSBC Bank0.0080.07
NatWest Bank0.0078.40
Newcastle Building S​ociety0.0077.12
Bank of Ireland Mort​gages0.0072.92
John Charcol0.0072.39
LeasePlan UK0.0072.17
Macquarie Group Ltd0.0066.40
Aberdeen Asset Manag​ement0.0065.44
The West Brom0.0061.84
Quick Quid0.0052.00
Allied Irish Bank UK​0.0048.73
Teachers Building So​ciety0.0033.66
Advantage Finance0.0030.93
Skipton Building Soc​iety0.0030.32
Islamic Bank of Brit​ain0.0030.26
Kensington Mortgages​0.0023.81
Redmayne Bentley Sto​ckbrokers0.0021.82
Newbury Building Soc​iety0.0020.62
Invesco Perpetual0.0015.62
Computershare0.0015.54
Moneyfacts.co.uk0.0014.40
Experian0.0014.29
Smith &​ Williamson0.0011.49
Citibank UK0.0010.95
Gulf International B​ank0.004.69
Travelex UK0.003.91
Standard Chartered B​ank UK0.003.70
HSBC Bermuda0.002.40
Numis Securities0.001.60
BNP Paribas UK0.000.80
Societe Generale Pri​vate Banking UK0.000.80
Close Premium Financ​e0.000.79
ABN AMRO Commercial ​Finance0.000.00
Bank of China UK0.000.00
Cash Converters0.000.00
DaimlerChrysler Fina​ncial Services0.000.00
Harrington Brooks0.000.00
Loughborough Buildin​g Society0.000.00
Pershing Securities ​UK0.000.00
Siemens Financial Se​rvices Limited0.000.00
Western Union UK0.000.00
Expand / contract icon

Error free sites

The following sites scored full marks for Function.

  • John Charcol
  • JCB Card Europe
  • GCA Altium
Expand / contract icon

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
  • DaimlerChrysler Financial Services
  • Harrington Brooks
  • Pershing Securities UK
  • Loughborough Building Society
  • Western Union UK
Expand / contract icon

Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • BCW Group
  • Bluefin
  • Capital Resolve
  • Charity Bank
  • Cheltenham & Gloucester
  • EFG Group
  • engage Mutual Assurance
  • First Complete
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • Harrods Bank Limited
  • HFC Bank
  • ICBC UK
  • Bank Leumi (Jersey) Limited
  • Moneyextra.com
  • MoneyGram International
  • Mortgage Force
  • Mortgages plc
  • Mortgage Trust
  • Nemo Personal Finance
  • One Account
  • PayPoint
  • Punjab National Bank (International) Ltd UK
  • Reliance Bank Limited
  • SMBC Capital Markets
  • St Andrews Financial Services
  • SVS Securities
  • Syscap
  • Teachers Assurance
  • 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 Scotland
  • Bank of Montreal
  • BNY Mellon UK
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • The Bank of East Asia UK
  • Lloyds Bank Plc
  • Raphaels Bank
  • Secure Trust Bank Plc
  • The Loans Engine
  • TSB Bank Plc
  • Ulster Bank
  • Visa UK
Expand / contract icon

PDF testing

48.4% 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.

Expand / contract icon

Top ten functional failures

The most common categories of functional failure.

url/fetch/errorstatus
Error status code received from web server
42.90%
url/fetch/notfound
File not found
29.93%
file/image/badtype
Image file has incorrect type
20.22%
url/fetch/accessdenied
Access is denied
2.34%
url/fetch/noaddr
Host not found in DNS
1.65%
url/fetch/timeout
Timeout downloading file
1.02%
url/fetch/badscheme
URL scheme was unrecognised
0.56%
url/fetch/exception
Exception while downloading file
0.41%
url/fetch/redirectloop
Redirect points back to the original page
0.20%
file/image/invalid
Image file is corrupt
0.20%
Expand / contract icon

Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
39.89%
file/html/badvalue
Invalid attribute value
13.15%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
11.75%
file/html/unknownentity
Unknown entity name
8.70%
file/html/badentity
Invalid character in entity
8.60%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.76%
file/html/missingclose
An element is missing the required close tag
3.26%
url/fetch/moved
A "301 Moved Permanently" response was received
2.72%
file/html/closingunopened
A redundant close tag was found
1.82%
file/image/size
Image file size or dimensions do not match
1.36%