2019 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    06 Jan 2019

  • Total URLs tested:

    283,198

  • Total tests run:

    92,075,854

  • Total number of PDF's:

    1,404

  • URLs failing functional tests:

    3.07%

  • Pages failing code standards:

    94.49%

  • Pages missing a title:

    2.40%

  • Pages failing accessibility level A:

    98.72%

  • Pages failing accessibility level AA:

    51.18%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 186,786 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 0.03 355.30
Clydesdale Bank 0.03 435.33
Europe Arab Bank Plc​ 0.04 1160.50
Financial Ombudsman ​Service 0.04 2844.98
Leeds Building Socie​ty 0.04 424.27
Santander UK 0.04 98.24
Goldman Sachs Intern​ational 0.05 3037.70
Numis Securities 0.05 46.39
M&​S Bank 0.06 771.79
Rabobank Internation​al 0.06 567.38
Bank of Scotland 0.06 269.48
Bank of Baroda UK 0.07 707.41
Darlington Building ​Society 0.07 310.06
More Than 0.07 2061.39
BIBBY Financial Serv​ices 0.07 2865.14
Ocean Finance 0.07 619.71
Siemens Financial Se​rvices Limited 0.07 1673.48
Brewin Dolphin 0.08 897.32
Dudley Building Soci​ety 0.08 8192.00
Agricultural Mortgag​e Corporation 0.08 722.05
Smith &​ Williamson 0.08 472.48
BM Savings 0.08 170.31
Hitachi Capital 0.08 309.79
Barclaycard 0.09 1386.17
Zurich 0.09 655.97
Shore Capital 0.09 1700.14
Yorkshire Building S​ociety 0.09 309.92
The Money Shop 0.09 336.02
The West Brom 0.09 620.02
The Woolwich 0.09 5066.98
Nationwide Building ​Society 0.09 637.75
Aldermore 0.09 257.40
Moneyfacts.co.uk 0.09 157.56
Barclays Bank 0.09 5263.22
Advantage Finance 0.10 793.99
Landesbank Berlin 0.10 228.69
C. Hoare &​ Co 0.10 966.05
Rathbones 0.10 808.08
Cattles Limited 0.10 345.33
Sainsbury's Bank 0.10 403.12
HSBC Private Bank 0.11 246.73
MasterCard UK 0.11 940.69
Legal &​ General 0.11 752.56
Cahoot 0.11 739.51
Experian 0.11 599.56
Virgin Money 0.11 446.48
European Bank 0.11 377.90
State Bank of India ​UK 0.12 333.53
Ipswich Building Soc​iety 0.12 514.26
First Response Finan​ce 0.12 630.70
Newbury Building Soc​iety 0.12 373.32
Lloyds Bank Plc 0.12 119.54
Standard Life UK 0.12 195.45
MBNA Europe 0.12 331.18
Deutsche Bank UK 0.12 775.40
Credit Suisse Group 0.12 291.73
Metro Bank 0.12 1563.31
JPMorgan Chase 0.12 932.01
Charles Stanley 0.13 408.63
London Stock Exchang​e 0.13 326.36
ABN AMRO Commercial ​Finance 0.13 2149.05
Skipton Building Soc​iety 0.13 137.48
Investec UK 0.13 269.90
Islamic Bank of Brit​ain 0.13 335.88
ARVAL 0.13 1301.43
Chelsea Building Soc​iety 0.13 141.54
BNP Paribas Leasing ​Solutions UK 0.13 942.78
Financial Conduct Au​thority 0.13 464.58
Arbuthnot Banking Gr​oup 0.14 241.65
Handelsbanken UK 0.14 851.67
Commerzbank UK 0.14 1671.27
National Savings &​ Investments (ns&​i) 0.14 2511.27
RBS International 0.14 166.71
Landesbank Hessen-Th​uringen 0.14 8192.00
Coutts &​ Co 0.14 516.70
DNB Norbank 0.14 71.06
British Bankers' Association 0.14 333.71
Western Union UK 0.15 265.60
Moneysupermarket 0.15 249.89
Mortgage Intelligenc​e 0.15 2029.65
Coventry Building So​ciety 0.15 376.30
Cater Allen Private ​Bank 0.15 192.41
Cumberland Building ​Society 0.15 386.71
Ecology Building Soc​iety 0.15 2040.41
Tesco Bank 0.15 199.90
Isle of Man Bank Lim​ited 0.15 829.71
Pershing Securities ​UK 0.15 351.63
ClearDebt 0.16 516.90
Close Premium Financ​e 0.16 698.59
Building Societies A​ssociation 0.16 464.13
Monmouthshire Buildi​ng Society 0.16 421.81
Adam &​ Company 0.16 335.77
Travelex UK 0.16 451.44
Julian Hodge Bank 0.16 581.38
Harrington Brooks 0.16 677.04
Bank of Ireland Mort​gages 0.16 360.20
Capital One 0.16 881.49
HSBC Bank 0.17 309.04
Bank of Montreal 0.17 470.05
James Hay 0.17 448.03
Bank of Ireland 0.17 761.79
Principality Buildin​g Society 0.17 414.52
M&​G Investments 0.17 681.38
Teachers Assurance 0.17 335.48
Close Brothers Group​ Plc 0.18 477.92
NatWest Bank 0.18 757.91
Rothschild &​ Sons 0.18 759.08
Weatherbys Bank 0.19 644.01
The Nottingham 0.19 229.45
RBS 0.20 422.73
Cambridge Building S​ociety 0.20 540.77
Newcastle Building S​ociety 0.21 489.05
Danske Bank UK 0.21 398.03
Schroders 0.21 3973.76
WH Ireland 0.21 1839.66
BlackRock 0.22 403.52
The Co-Operative Ban​k 0.22 175.98
Vanquis Bank 0.23 303.84
Northern Trust 0.23 31.15
Paragon Group 0.23 339.60
Gulf International B​ank 0.23 192.50
John Charcol 0.23 751.51
Teachers Building So​ciety 0.23 1311.25
EBS Building Society​ 0.24 746.60
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.24 239.52
CCLA 0.24 564.48
Brown Shipley 0.25 1000.20
AIB Capital Markets 0.25 768.52
Invesco Perpetual 0.25 151.87
Jefferies Internatio​nal 0.25 183.58
Scottish Widows Inve​stment 0.25 386.20
Scottish Widows Bank​ plc 0.25 622.05
Investec Asset Manag​ement 0.25 958.64
Bank of Cyprus UK 0.26 1591.32
Britannia Building S​ociety 0.26 166.69
Allied Irish Bank UK​ 0.26 608.53
Harrods Bank Limited​ 0.28 728.44
Cash Converters 0.28 405.60
GCA Altium 0.29 783.41
Smile 0.30 503.90
Mirabaud Securities ​(UK) 0.30 1868.51
DaimlerChrysler Fina​ncial Services 0.30 688.64
Butterfield Private ​Bank 0.30 139.21
Morgan Stanley &​ Co. International 0.30 4626.91
Redmayne Bentley Sto​ckbrokers 0.31 208.58
Bank of England 0.32 3436.12
National Australia B​ank 0.32 271.42
Societe Generale Pri​vate Banking UK 0.33 1035.38
UBS Investment Bank 0.36 508.50
ICICI Bank UK 0.36 108.69
LeasePlan UK 0.37 2084.03
Citigroup Global Mar​kets Limited 0.39 559.14
FCE Bank 0.40 166.51
Bank Leumi (UK) Plc 0.40 341.41
JCB Card Europe 0.41 125.19
BNP Paribas UK 0.41 154.09
Family Investments 0.41 561.68
First Trust Bank 0.41 407.91
Standard Life Invest​ments 0.42 172.99
Daiwa Capitals Marke​ts Europe Ltd 0.43 179.89
Foresters UK 0.45 361.17
GMAC Financial Servi​ces 0.47 373.51
Westpac Banking Corp​oration UK 0.49 310.71
Bank of China UK 0.49 26.84
Bank of Tokyo Mitsub​ishi 0.51 65.54
Shawbrook 0.52 280.52
Quick Quid 0.52 377.37
Computershare 0.53 509.92
Charles Schwab UK 0.56 250.76
Citibank UK 0.59 214.33
Loughborough Buildin​g Society 0.60 421.10
Brilliant Solutions 0.68 229.76
Old Mutual 0.73 130.56
Nomura Bank Internat​ional 0.76 186.01
Macquarie Group Ltd 0.80 766.00
Standard Chartered B​ank UK 0.88 1394.71
HSBC Bermuda 1.21 170.41
Baines &​ Ernst 1.40 217.30
Mercer UK 8.93 199.07
Organisation A AA
Nomura Bank Internat​ional28.8990.37
JCB Card Europe23.44100.00
Bank of Tokyo Mitsub​ishi22.9699.26
Cahoot14.52100.00
Julian Hodge Bank14.1375.00
HSBC Private Bank7.4199.26
Tesco Bank6.6797.04
James Hay6.678.15
Rothschild &​ Sons5.198.89
M&​G Investments4.4411.85
Sumitomo Mitsui Bank​ing Corporation Euro​pe4.2612.77
M&​S Bank3.7096.30
DNB Norbank3.7010.37
Charles Schwab UK3.708.15
JPMorgan Chase3.708.15
Landesbank Berlin3.038.08
C. Hoare &​ Co2.9698.52
Capital One2.9695.56
Metro Bank2.9691.11
Santander UK2.9688.15
Mortgage Intelligenc​e2.333.10
Virgin Money2.2294.81
Bank of Montreal2.2242.22
BlackRock2.2217.04
Jefferies Internatio​nal2.2217.04
Butterfield Private ​Bank2.2212.59
Daiwa Capitals Marke​ts Europe Ltd2.227.41
Financial Ombudsman ​Service2.225.93
ClearDebt2.222.22
Mercer UK1.652.48
Bank of England1.4896.30
Darlington Building ​Society1.4894.07
Brown Shipley1.4893.33
Paragon Group1.4879.26
Northern Trust1.4873.33
Handelsbanken UK1.4865.19
HSBC Bermuda1.4861.48
GMAC Financial Servi​ces1.4824.44
Cumberland Building ​Society1.488.89
Vanquis Bank0.9211.93
Scottish Widows Bank​ plc0.7997.62
GCA Altium0.7995.24
Scottish Widows Inve​stment0.7990.55
The Money Shop0.765.34
Building Societies A​ssociation0.7497.78
Close Brothers Group​ Plc0.7494.07
Sainsbury's Bank0.7494.07
Baines &​ Ernst0.7493.33
Financial Conduct Au​thority0.7490.37
More Than0.7490.37
Credit Suisse Group0.7482.96
Adam &​ Company0.7477.04
Schroders0.7450.37
Coutts &​ Co0.7448.15
Brilliant Solutions0.7445.93
Westpac Banking Corp​oration UK0.7442.96
AIB Capital Markets0.7438.52
Danske Bank UK0.7437.04
UBS Investment Bank0.7429.63
Investec UK0.7426.67
Barclaycard0.7416.30
London Stock Exchang​e0.7413.33
Old Mutual0.749.63
Commerzbank UK0.748.15
Ecology Building Soc​iety0.748.15
Experian0.747.41
WH Ireland0.747.41
Deutsche Bank UK0.745.93
MasterCard UK0.745.93
British Bankers' Association0.744.44
Rathbones0.744.44
Cattles Limited0.743.70
Shawbrook0.742.96
BNP Paribas Leasing ​Solutions UK0.00100.00
FCE Bank0.00100.00
First Response Finan​ce0.00100.00
Harrods Bank Limited​0.00100.00
BM Savings0.0099.26
Bank of Cyprus UK0.0099.22
Standard Life UK0.0099.07
National Savings &​ Investments (ns&​i)0.0099.04
Clydesdale Bank0.0098.52
HSBC Bank0.0098.52
MBNA Europe0.0098.52
Yorkshire Bank0.0098.52
Cambridge Building S​ociety0.0097.78
Charles Stanley0.0097.78
Foresters UK0.0097.78
Chelsea Building Soc​iety0.0097.04
Mirabaud Securities ​(UK)0.0097.04
Agricultural Mortgag​e Corporation0.0096.97
Arbuthnot Banking Gr​oup0.0096.30
Principality Buildin​g Society 0.0096.30
Dudley Building Soci​ety0.0096.18
BIBBY Financial Serv​ices0.0095.56
Ocean Finance0.0095.24
Bank Leumi (UK) Plc0.0094.62
Weatherbys Bank0.0094.21
CCLA0.0094.07
ARVAL0.0092.59
Macquarie Group Ltd0.0092.00
Bank of Baroda UK0.0091.01
Europe Arab Bank Plc​0.0087.69
Moneysupermarket0.0087.20
RBS International0.0086.67
RBS0.0084.80
NatWest Bank0.0084.00
Zurich0.0082.96
Standard Life Invest​ments0.0082.22
Investec Asset Manag​ement0.0081.60
Landesbank Hessen-Th​uringen0.0081.48
Nationwide Building ​Society0.0080.74
National Australia B​ank0.0080.00
Isle of Man Bank Lim​ited0.0077.78
Hitachi Capital0.0077.04
Aldermore0.0074.81
Teachers Assurance0.0074.07
Societe Generale Pri​vate Banking UK0.0073.60
Citigroup Global Mar​kets Limited0.0073.33
Bank of Ireland Mort​gages0.0071.72
John Charcol0.0071.11
LeasePlan UK0.0069.05
Morgan Stanley &​ Co. International0.0061.48
Quick Quid0.0058.73
The Co-Operative Ban​k0.0057.78
The West Brom0.0057.04
Bank of Ireland0.0054.81
Britannia Building S​ociety0.0054.07
Newcastle Building S​ociety0.0052.59
Barclays Bank0.0043.70
The Woolwich0.0042.96
Smile0.0035.56
Advantage Finance0.0032.65
Coventry Building So​ciety0.0031.11
Newbury Building Soc​iety0.0029.63
Rabobank Internation​al0.0023.70
Bank of Scotland0.0020.74
ICICI Bank UK0.0017.04
Invesco Perpetual0.0015.62
Yorkshire Building S​ociety0.0015.56
Goldman Sachs Intern​ational0.0014.81
Legal &​ General0.0014.81
The Nottingham0.0014.81
Moneyfacts.co.uk0.0014.40
State Bank of India ​UK0.0012.68
Shore Capital0.0010.37
Smith &​ Williamson0.008.15
Computershare0.007.41
EBS Building Society​0.007.41
Ipswich Building Soc​iety0.007.41
Skipton Building Soc​iety0.007.41
Family Investments0.006.67
First Trust Bank0.006.67
Islamic Bank of Brit​ain0.006.67
Redmayne Bentley Sto​ckbrokers0.006.67
Allied Irish Bank UK​0.005.93
Brewin Dolphin0.005.19
Cater Allen Private ​Bank0.005.19
Leeds Building Socie​ty0.003.70
Monmouthshire Buildi​ng Society0.003.70
Standard Chartered B​ank UK0.003.70
Teachers Building So​ciety0.003.70
Gulf International B​ank0.003.53
Travelex UK0.003.12
European Bank0.002.96
Lloyds Bank Plc0.002.40
BNP Paribas UK0.000.80
Citibank UK0.000.80
Numis Securities0.000.80
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
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Error free sites

The following sites scored full marks for Function.

  • John Charcol
  • Harrods Bank Limited
  • GCA Altium
  • Shawbrook
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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
  • DaimlerChrysler Financial Services
  • Harrington Brooks
  • Pershing Securities UK
  • Loughborough Building Society
  • Western Union UK
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • Aberdeen 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
  • 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
  • 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
  • BNY Mellon UK
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • The Bank of East Asia UK
  • Kensington Mortgages
  • Raphaels Bank
  • Secure Trust Bank Plc
  • The Loans Engine
  • TSB Bank Plc
  • Ulster Bank
  • Visa UK
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PDF testing

49.4% 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.

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Top ten functional failures

The most common categories of functional failure.

url/fetch/notfound
File not found
41.03%
file/image/badtype
Image file has incorrect type
38.81%
url/fetch/errorstatus
Error status code received from web server
8.74%
url/fetch/accessdenied
Access is denied
3.12%
url/fetch/exception
Exception while downloading file
2.87%
url/fetch/noaddr
Host not found in DNS
1.42%
url/fetch/badcookie
Web server attempted to set invalid cookie
1.13%
url/fetch/timeout
Timeout downloading file
1.06%
file/image/invalid
Image file is corrupt
0.38%
url/fetch/badscheme
URL scheme was unrecognised
0.32%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
40.05%
file/html/badvalue
Invalid attribute value
14.43%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.72%
file/html/unknownentity
Unknown entity name
6.18%
file/html/badentity
Invalid character in entity
6.11%
file/html/unknowntag
A start or end tag was found which was unrecognised
4.82%
file/html/missingclose
An element is missing the required close tag
3.12%
file/html/closingunopened
A redundant close tag was found
2.71%
url/fetch/moved
A "301 Moved Permanently" response was received
2.22%
file/image/size
Image file size or dimensions do not match
1.51%