2019 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    07 Apr 2019

  • Total URLs tested:

    272,550

  • Total tests run:

    88,615,904

  • Total number of PDF's:

    1,429

  • URLs failing functional tests:

    3.46%

  • Pages failing code standards:

    94.43%

  • Pages missing a title:

    2.03%

  • Pages failing accessibility level A:

    98.41%

  • Pages failing accessibility level AA:

    47.82%

  • Poorest code quality:

    Northern Trust (http://www.northerntrust.com/) - 187,273 failures

  • Fastest average response time:

    Santander UK (https://www.santander.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)
Santander UK 0.03 152.35
Europe Arab Bank Plc​ 0.03 959.77
Clydesdale Bank 0.04 254.84
Financial Ombudsman ​Service 0.04 2029.77
Leeds Building Socie​ty 0.04 260.75
Yorkshire Bank 0.04 253.78
National Savings &​ Investments (ns&​i) 0.05 1963.28
Numis Securities 0.05 48.85
European Bank 0.06 213.37
Teachers Building So​ciety 0.06 8192.00
M&​S Bank 0.06 677.35
Bank of Baroda UK 0.06 559.02
Darlington Building ​Society 0.06 254.98
Rathbones 0.06 546.03
Raphaels Bank 0.06 488.97
Ocean Finance 0.06 346.52
Rabobank Internation​al 0.07 438.86
Shore Capital 0.07 1150.27
MBNA Europe 0.07 703.71
Morgan Stanley &​ Co. International 0.07 3408.78
Legal &​ General 0.07 458.49
Dudley Building Soci​ety 0.07 8192.00
More Than 0.08 1472.48
Goldman Sachs Intern​ational 0.08 2352.97
The Money Shop 0.08 261.06
Coutts &​ Co 0.08 363.86
Ipswich Building Soc​iety 0.09 400.63
TSB Bank Plc 0.09 595.34
Moneysupermarket 0.09 143.57
Aldermore 0.09 209.91
Financial Conduct Au​thority 0.09 304.16
BM Savings 0.09 112.73
Investec UK 0.09 133.73
Cahoot 0.10 539.30
Experian 0.10 649.68
Agricultural Mortgag​e Corporation 0.10 665.77
Moneyfacts.co.uk 0.10 113.90
Siemens Financial Se​rvices Limited 0.10 1717.24
Scottish Widows Bank​ plc 0.10 310.42
Brewin Dolphin 0.10 1906.69
Smith &​ Williamson 0.10 401.75
Scottish Widows Inve​stment 0.10 232.41
The West Brom 0.10 378.85
Nationwide Building ​Society 0.10 272.14
ARVAL 0.10 941.17
Islamic Bank of Brit​ain 0.10 223.11
Advantage Finance 0.10 547.88
HSBC Private Bank 0.10 234.09
Landesbank Berlin 0.10 199.53
DNB Norbank 0.10 67.51
Hitachi Capital 0.10 630.95
Handelsbanken UK 0.10 338.13
Virgin Money 0.11 411.73
Deutsche Bank UK 0.11 599.38
JPMorgan Chase 0.11 675.35
Kensington Mortgages​ 0.11 991.29
M&​G Investments 0.11 456.10
DaimlerChrysler Fina​ncial Services 0.12 470.24
Sainsbury's Bank 0.12 362.40
BIBBY Financial Serv​ices 0.12 1022.33
Cattles Limited 0.12 207.76
ABN AMRO Commercial ​Finance 0.12 1684.83
First Response Finan​ce 0.12 1054.13
C. Hoare &​ Co 0.12 674.93
Brown Shipley 0.12 959.91
Chelsea Building Soc​iety 0.12 129.24
MasterCard UK 0.12 800.10
The Woolwich 0.13 1676.05
Newbury Building Soc​iety 0.13 210.81
London Stock Exchang​e 0.13 264.28
Standard Life UK 0.13 158.53
Weatherbys Bank 0.13 643.78
Zurich 0.13 636.61
Commerzbank UK 0.13 1560.60
Charles Stanley 0.14 266.92
British Bankers' Association 0.14 184.39
Barclaycard 0.14 647.18
Metro Bank 0.14 953.09
WH Ireland 0.14 1141.61
Pershing Securities ​UK 0.15 257.55
Adam &​ Company 0.15 305.16
Isle of Man Bank Lim​ited 0.15 717.77
Bank of Cyprus UK 0.15 401.46
HSBC Bank 0.15 280.63
Arbuthnot Banking Gr​oup 0.15 198.46
Capital One 0.15 884.27
Landesbank Hessen-Th​uringen 0.15 8192.00
Skipton Building Soc​iety 0.15 135.87
The Co-Operative Ban​k 0.16 196.00
State Bank of India ​UK 0.16 317.90
Credit Suisse Group 0.16 227.58
Julian Hodge Bank 0.16 416.00
Cater Allen Private ​Bank 0.16 150.16
ClearDebt 0.16 339.90
Western Union UK 0.17 253.68
Travelex UK 0.17 402.15
Bank Leumi (Jersey) ​Limited 0.17 1.63
RBS International 0.17 639.95
Ecology Building Soc​iety 0.17 1285.83
Building Societies A​ssociation 0.17 328.26
The Nottingham 0.17 203.17
RBS 0.17 465.33
Danske Bank UK 0.18 314.05
Close Brothers Group​ Plc 0.18 537.75
Bank of Ireland Mort​gages 0.18 289.32
Monmouthshire Buildi​ng Society 0.18 231.18
Newcastle Building S​ociety 0.18 705.80
Charity Bank 0.18 3009.00
LeasePlan UK 0.19 1580.13
Rothschild &​ Sons 0.19 632.31
Yorkshire Building S​ociety 0.19 275.45
Mortgage Intelligenc​e 0.19 1288.89
Bank of Ireland 0.19 530.26
Barclays Bank 0.20 1842.20
Teachers Assurance 0.20 318.44
Invesco Perpetual 0.20 152.64
NatWest Bank 0.20 374.08
Tesco Bank 0.20 177.06
Cumberland Building ​Society 0.21 269.69
Principality Buildin​g Society 0.21 429.43
Vanquis Bank 0.21 292.45
CCLA 0.22 461.38
National Australia B​ank 0.23 277.71
James Hay 0.23 332.41
Jefferies Internatio​nal 0.23 159.19
Britannia Building S​ociety 0.23 151.24
Coventry Building So​ciety 0.23 281.03
John Charcol 0.23 179.25
AIB Capital Markets 0.24 550.25
Family Investments 0.24 313.78
Northern Trust 0.26 37.91
EBS Building Society​ 0.26 617.80
Paragon Group 0.26 216.35
Mirabaud Securities ​(UK) 0.26 1237.07
Close Premium Financ​e 0.27 532.31
Cash Converters 0.27 242.30
Schroders 0.27 3449.65
Butterfield Private ​Bank 0.28 184.53
Redmayne Bentley Sto​ckbrokers 0.28 166.94
Gulf International B​ank 0.28 78.07
Harrods Bank Limited​ 0.28 674.80
Bank of England 0.29 3735.15
Allied Irish Bank UK​ 0.30 631.14
Smile 0.30 387.51
Citigroup Global Mar​kets Limited 0.33 712.05
Shawbrook 0.34 181.31
GCA Altium 0.36 616.69
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.40 215.31
JCB Card Europe 0.40 114.24
FCE Bank 0.41 72.54
Daiwa Capitals Marke​ts Europe Ltd 0.41 248.86
Cambridge Building S​ociety 0.42 698.28
Foresters UK 0.45 248.17
Westpac Banking Corp​oration UK 0.45 207.88
BNP Paribas UK 0.46 117.44
GMAC Financial Servi​ces 0.46 334.72
Computershare 0.47 294.97
Bank of Tokyo Mitsub​ishi 0.48 606.34
Visa UK 0.48 1441.61
Loughborough Buildin​g Society 0.48 292.33
Societe Generale Pri​vate Banking UK 0.51 2517.88
First Trust Bank 0.52 405.18
Quick Quid 0.52 315.46
Standard Life Invest​ments 0.53 116.28
BNP Paribas Leasing ​Solutions UK 0.54 655.83
Investec Asset Manag​ement 0.55 1029.48
Bank Leumi (UK) Plc 0.56 194.96
UBS Investment Bank 0.56 445.41
Citibank UK 0.59 186.47
Charles Schwab UK 0.65 248.24
Bank of China UK 0.66 22.98
Brilliant Solutions 0.66 171.66
ICICI Bank UK 0.68 99.05
Macquarie Group Ltd 0.70 544.68
Nomura Bank Internat​ional 0.78 179.56
Standard Chartered B​ank UK 0.81 864.52
Old Mutual 0.88 111.70
The Bank of East Asi​a UK 1.08 90.55
HSBC Bermuda 1.08 160.00
Baines &​ Ernst 1.15 198.18
Mercer UK 8.86 367.65
Organisation A AA
Bank of Tokyo Mitsub​ishi26.6797.78
Nomura Bank Internat​ional23.7096.30
JCB Card Europe21.71100.00
Cahoot16.1393.55
Virgin Money15.5699.26
Julian Hodge Bank13.0494.57
Tesco Bank6.6777.78
M&​G Investments6.6712.59
GCA Altium5.9780.60
James Hay5.938.15
JPMorgan Chase4.4499.26
Bank of England4.4496.30
HSBC Bermuda4.4469.63
Capital One3.73100.00
Clydesdale Bank3.7097.78
Metro Bank3.7097.04
Arbuthnot Banking Gr​oup3.7094.81
Butterfield Private ​Bank3.7014.07
DNB Norbank3.709.63
Mercer UK3.706.67
Charles Schwab UK3.578.93
Visa UK3.0884.62
Landesbank Berlin3.0366.67
C. Hoare &​ Co2.9698.52
M&​S Bank2.9698.52
Daiwa Capitals Marke​ts Europe Ltd2.967.41
Commerzbank UK2.966.67
Financial Ombudsman ​Service2.966.67
Raphaels Bank2.3394.19
Mortgage Intelligenc​e2.333.10
Mirabaud Securities ​(UK)2.2299.26
Paragon Group2.2299.26
Teachers Assurance2.2298.52
Financial Conduct Au​thority2.2292.59
Northern Trust2.2285.19
Morgan Stanley &​ Co. International2.2275.56
Legal &​ General2.2225.93
ICICI Bank UK2.2215.56
Cumberland Building ​Society2.227.41
Scottish Widows Bank​ plc1.5996.83
Bank of Cyprus UK1.4897.04
Brown Shipley1.4897.04
Westpac Banking Corp​oration UK1.4897.04
Jefferies Internatio​nal1.4896.30
Adam &​ Company1.4893.33
Cambridge Building S​ociety1.4892.59
Close Brothers Group​ Plc1.4891.11
Coventry Building So​ciety1.4884.44
Handelsbanken UK1.4871.11
Schroders1.4861.48
Darlington Building ​Society1.4846.67
GMAC Financial Servi​ces1.4825.19
Leeds Building Socie​ty1.4816.30
Old Mutual1.4812.59
Rothschild &​ Sons1.488.89
Barclaycard1.488.15
ClearDebt1.485.93
MasterCard UK1.485.19
The Bank of East Asi​a UK1.2891.03
Bank of Baroda UK1.1489.77
Sumitomo Mitsui Bank​ing Corporation Euro​pe1.067.45
Vanquis Bank0.9395.37
National Savings &​ Investments (ns&​i)0.9199.09
Bank Leumi (UK) Plc0.8495.80
Scottish Widows Inve​stment0.7996.83
MBNA Europe0.7790.00
First Response Finan​ce0.76100.00
The Money Shop0.766.06
Chelsea Building Soc​iety0.7497.04
Credit Suisse Group0.7495.56
Baines &​ Ernst0.7492.59
Coutts &​ Co0.7489.63
Sainsbury's Bank0.7488.15
Yorkshire Building S​ociety0.7487.41
National Australia B​ank0.7478.52
HSBC Private Bank0.7474.07
The Co-Operative Ban​k0.7472.59
Building Societies A​ssociation0.7465.93
Aldermore0.7459.26
Charles Stanley0.7458.52
Brilliant Solutions0.7443.70
Charity Bank0.7435.56
Investec UK0.7420.00
Rabobank Internation​al0.7416.30
London Stock Exchang​e0.7414.07
TSB Bank Plc0.748.15
Ecology Building Soc​iety0.747.41
Hitachi Capital0.747.41
Deutsche Bank UK0.745.93
Goldman Sachs Intern​ational0.745.93
Monmouthshire Buildi​ng Society0.745.93
British Bankers' Association0.744.44
European Bank0.744.44
Rathbones0.744.44
Cattles Limited0.742.96
BNP Paribas Leasing ​Solutions UK0.00100.00
FCE Bank0.00100.00
BM Savings0.0099.26
Yorkshire Bank0.0098.52
Societe Generale Pri​vate Banking UK0.0097.60
LeasePlan UK0.0097.33
Agricultural Mortgag​e Corporation0.0096.97
Citigroup Global Mar​kets Limited0.0095.56
Ocean Finance0.0095.20
UBS Investment Bank0.0094.81
Standard Life UK0.0094.50
Weatherbys Bank0.0094.44
CCLA0.0093.33
More Than0.0093.33
Isle of Man Bank Lim​ited0.0092.86
Investec Asset Manag​ement0.0091.20
HSBC Bank0.0091.11
Barclays Bank0.0090.37
Danske Bank UK0.0089.63
The Woolwich0.0088.15
Advantage Finance0.0088.00
Europe Arab Bank Plc​0.0087.88
Santander UK0.0087.85
Landesbank Hessen-Th​uringen0.0087.41
Moneysupermarket0.0086.36
Standard Life Invest​ments0.0085.19
Foresters UK0.0084.44
Harrods Bank Limited​0.0084.31
Macquarie Group Ltd0.0072.80
ARVAL0.0070.37
BIBBY Financial Serv​ices0.0068.89
Newcastle Building S​ociety0.0068.89
John Charcol0.0066.14
Zurich0.0065.93
Bank of Ireland0.0063.70
First Trust Bank0.0059.26
AIB Capital Markets0.0057.04
Britannia Building S​ociety0.0054.81
Nationwide Building ​Society0.0054.07
Quick Quid0.0053.60
Dudley Building Soci​ety0.0052.63
Smile0.0049.63
Allied Irish Bank UK​0.0045.93
The West Brom0.0045.93
Bank of Ireland Mort​gages0.0039.39
RBS International0.0034.43
NatWest Bank0.0034.40
RBS0.0030.40
Moneyfacts.co.uk0.0029.60
Newbury Building Soc​iety0.0019.26
Kensington Mortgages​0.0018.33
The Nottingham0.0016.30
State Bank of India ​UK0.0012.86
Shore Capital0.0010.37
Redmayne Bentley Sto​ckbrokers0.008.15
Computershare0.007.41
Experian0.007.41
Islamic Bank of Brit​ain0.007.41
Cater Allen Private ​Bank0.006.67
Family Investments0.006.67
Ipswich Building Soc​iety0.006.67
Principality Buildin​g Society 0.006.67
Smith &​ Williamson0.006.67
Invesco Perpetual0.006.45
Brewin Dolphin0.005.93
EBS Building Society​0.005.93
Skipton Building Soc​iety0.005.93
Standard Chartered B​ank UK0.005.45
WH Ireland0.005.19
Shawbrook0.004.44
Travelex UK0.003.88
Teachers Building So​ciety0.003.70
Bank Leumi (Jersey) ​Limited0.001.67
DaimlerChrysler Fina​ncial Services0.001.60
Numis Securities0.001.60
BNP Paribas UK0.000.80
Gulf International B​ank0.000.80
Citibank UK0.000.79
Close Premium Financ​e0.000.79
ABN AMRO Commercial ​Finance0.000.00
Bank of China UK0.000.00
Cash Converters0.000.00
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.

  • Harrods Bank Limited
  • 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
  • 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
  • Cheltenham & Gloucester
  • EFG Group
  • engage Mutual Assurance
  • First Complete
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • HFC Bank
  • ICBC UK
  • 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
  • Bank of Scotland
  • BlackRock
  • Bank of Montreal
  • BNY Mellon UK
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • Harrington Brooks
  • Lloyds Bank Plc
  • Secure Trust Bank Plc
  • The Loans Engine
  • Ulster Bank
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PDF testing

53.0% 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/notfound
File not found
37.72%
file/image/badtype
Image file has incorrect type
36.73%
url/fetch/accessdenied
Access is denied
11.41%
url/fetch/errorstatus
Error status code received from web server
7.95%
url/fetch/noaddr
Host not found in DNS
1.63%
url/fetch/timeout
Timeout downloading file
1.47%
url/fetch/badcookie
Web server attempted to set invalid cookie
1.09%
url/fetch/exception
Exception while downloading file
0.37%
url/fetch/unknownstatus
Unknown status code received from web server
0.33%
url/fetch/badscheme
URL scheme was unrecognised
0.31%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
44.74%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.74%
file/html/badvalue
Invalid attribute value
10.93%
file/html/unknowntag
A start or end tag was found which was unrecognised
5.76%
file/html/unknownentity
Unknown entity name
5.35%
file/html/badentity
Invalid character in entity
5.15%
file/html/missingclose
An element is missing the required close tag
3.27%
file/html/closingunopened
A redundant close tag was found
2.36%
url/fetch/moved
A "301 Moved Permanently" response was received
2.24%
file/image/size
Image file size or dimensions do not match
1.32%