2019 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    06 Jul 2019

  • Total URLs tested:

    275,987

  • Total tests run:

    89,733,293

  • Total number of PDF's:

    1,443

  • URLs failing functional tests:

    3.68%

  • Pages failing code standards:

    95.65%

  • Pages missing a title:

    2.06%

  • Pages failing accessibility level A:

    98.68%

  • Pages failing accessibility level AA:

    48.97%

  • Poorest code quality:

    DNB Norbank (https://www.dnb.no/) - 54,491 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 0.03 267.10
Europe Arab Bank Plc​ 0.04 880.10
Clydesdale Bank 0.04 236.54
Santander UK 0.04 180.58
Leeds Building Socie​ty 0.04 269.11
Numis Securities 0.04 50.79
Barclays Bank 0.04 1376.82
Barclaycard 0.05 699.51
Scottish Widows Bank​ plc 0.05 355.96
Dudley Building Soci​ety 0.05 264.90
Teachers Building So​ciety 0.05 3556.48
Agricultural Mortgag​e Corporation 0.05 598.05
National Savings &​ Investments (ns&​i) 0.05 1413.00
Bank of Baroda UK 0.06 505.75
The Woolwich 0.06 1176.45
M&​S Bank 0.06 613.18
Darlington Building ​Society 0.06 243.15
Raphaels Bank 0.06 483.30
Goldman Sachs Intern​ational 0.07 1523.63
BM Savings 0.07 118.62
Cahoot 0.07 425.49
Ocean Finance 0.07 495.36
Metro Bank 0.07 1480.06
Smith &​ Williamson 0.07 137.32
Shore Capital 0.08 1190.59
Aldermore 0.08 214.65
Brown Shipley 0.08 1434.69
Ipswich Building Soc​iety 0.08 422.31
Cambridge Building S​ociety 0.08 493.02
Coutts &​ Co 0.09 409.34
MBNA Europe 0.09 348.77
Kensington Mortgages​ 0.09 793.04
The Money Shop 0.09 301.17
Western Union UK 0.09 235.17
Virgin Money 0.09 392.74
Landesbank Berlin 0.09 203.74
MasterCard UK 0.09 755.15
TSB Bank Plc 0.09 1170.80
Moneysupermarket 0.10 119.93
Yorkshire Building S​ociety 0.10 258.33
Bank of Scotland 0.10 269.75
Rathbones 0.10 563.83
Advantage Finance 0.10 565.01
HSBC Bank 0.10 307.28
European Bank 0.10 230.08
Nationwide Building ​Society 0.10 298.86
Moneyfacts.co.uk 0.10 72.44
Siemens Financial Se​rvices Limited 0.10 674.24
Handelsbanken UK 0.10 162.08
The West Brom 0.10 407.21
ARVAL 0.10 902.59
Adam &​ Company 0.11 286.02
Morgan Stanley &​ Co. International 0.11 1884.69
Experian 0.11 461.90
Legal &​ General 0.11 268.88
Sainsbury's Bank 0.11 331.37
JPMorgan Chase 0.11 591.06
HSBC Private Bank 0.11 160.57
Hitachi Capital 0.11 1206.48
Bank of Cyprus UK 0.12 849.87
Investec UK 0.12 168.03
Standard Life UK 0.12 243.68
Financial Conduct Au​thority 0.12 253.67
Chelsea Building Soc​iety 0.12 79.03
DNB Norbank 0.12 115.24
Weatherbys Bank 0.12 701.39
ABN AMRO Commercial ​Finance 0.12 1464.77
Zurich 0.12 530.44
Deutsche Bank UK 0.12 584.27
Landesbank Hessen-Th​uringen 0.12 4222.73
Capital One 0.12 724.42
First Response Finan​ce 0.12 1070.89
Building Societies A​ssociation 0.13 291.81
Newbury Building Soc​iety 0.13 336.49
Islamic Bank of Brit​ain 0.13 166.86
Cattles Limited 0.13 399.43
London Stock Exchang​e 0.13 261.81
LeasePlan UK 0.13 1144.94
DaimlerChrysler Fina​ncial Services 0.14 457.37
Brewin Dolphin 0.14 699.13
C. Hoare &​ Co 0.14 658.29
ClearDebt 0.14 364.90
British Bankers' Association 0.14 216.05
Bank Leumi (Jersey) ​Limited 0.14 1.54
Commerzbank UK 0.14 1659.32
Arbuthnot Banking Gr​oup 0.14 289.14
BIBBY Financial Serv​ices 0.14 996.92
Isle of Man Bank Lim​ited 0.14 721.35
Coventry Building So​ciety 0.14 247.73
Credit Suisse Group 0.14 253.33
Bank of England 0.15 2923.66
WH Ireland 0.15 1137.27
Skipton Building Soc​iety 0.15 219.01
Principality Buildin​g Society 0.15 477.80
Mirabaud Securities ​(UK) 0.16 1218.55
BNP Paribas UK 0.16 125.99
Charles Stanley 0.16 256.14
Julian Hodge Bank 0.16 351.77
Paragon Group 0.16 334.18
Teachers Assurance 0.16 232.16
James Hay 0.16 316.74
Cater Allen Private ​Bank 0.16 183.30
RBS International 0.16 635.08
More Than 0.17 763.88
John Charcol 0.17 424.37
State Bank of India ​UK 0.17 249.14
Close Brothers Group​ Plc 0.17 512.37
Redmayne Bentley Sto​ckbrokers 0.17 161.53
The Nottingham 0.17 202.07
Charity Bank 0.17 2257.97
NatWest Bank 0.18 466.26
Pershing Securities ​UK 0.18 248.03
RBS 0.18 459.35
Family Investments 0.18 305.42
Aberdeen Asset Manag​ement 0.18 605.95
The Co-Operative Ban​k 0.18 119.96
Monmouthshire Buildi​ng Society 0.18 215.39
Smile 0.18 308.55
Mortgage Intelligenc​e 0.19 1160.84
Schroders 0.19 2358.24
Rothschild &​ Sons 0.19 599.17
Britannia Building S​ociety 0.20 192.44
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.20 273.72
Newcastle Building S​ociety 0.20 603.08
Ecology Building Soc​iety 0.20 1313.90
Societe Generale Pri​vate Banking UK 0.20 2545.97
Northern Trust 0.20 633.71
Travelex UK 0.20 401.55
Cumberland Building ​Society 0.21 309.35
Investec Asset Manag​ement 0.22 811.41
EBS Building Society​ 0.23 635.40
Vanquis Bank 0.23 281.47
Jefferies Internatio​nal 0.23 162.73
Rabobank Internation​al 0.23 420.37
Danske Bank UK 0.24 179.58
Tesco Bank 0.24 214.73
Close Premium Financ​e 0.24 478.80
Bank of Ireland Mort​gages 0.24 315.18
Gulf International B​ank 0.25 83.56
Invesco Perpetual 0.25 137.44
M&​G Investments 0.27 448.45
Airdrie Savings Bank​ 0.27 212.04
Cash Converters 0.28 312.95
National Australia B​ank 0.28 171.28
Butterfield Private ​Bank 0.29 171.40
First Trust Bank 0.29 486.08
SVS Securities 0.29 850.58
The Bank of East Asi​a UK 0.31 100.77
Bank of Ireland 0.31 492.12
Standard Life Invest​ments 0.32 111.30
CCLA 0.33 475.95
Shawbrook 0.33 174.45
Financial Ombudsman ​Service 0.34 477.34
Citigroup Global Mar​kets Limited 0.34 564.71
AIB Capital Markets 0.34 524.65
Daiwa Capitals Marke​ts Europe Ltd 0.38 257.80
JCB Card Europe 0.40 120.21
First Complete 0.40 352.07
FCE Bank 0.41 94.76
Allied Irish Bank UK​ 0.43 713.68
Pink Home Loans 0.43 305.77
GMAC Financial Servi​ces 0.44 308.08
Loughborough Buildin​g Society 0.45 326.53
Computershare 0.45 306.65
Bank Leumi (UK) Plc 0.46 212.54
BNY Mellon UK 0.48 527.43
Charles Schwab UK 0.49 236.65
Quick Quid 0.50 359.87
Westpac Banking Corp​oration UK 0.52 215.08
UBS Investment Bank 0.52 404.27
Foresters UK 0.52 263.23
Citibank UK 0.60 205.80
Macquarie Group Ltd 0.60 785.86
Bank of Tokyo Mitsub​ishi 0.64 707.76
Brilliant Solutions 0.69 179.86
BNP Paribas Leasing ​Solutions UK 0.72 624.24
Nomura Bank Internat​ional 0.78 225.69
Bank of China UK 0.83 26.58
HSBC Bermuda 0.83 223.75
Old Mutual 0.86 101.83
Standard Chartered B​ank UK 0.86 697.00
ICICI Bank UK 0.91 97.87
Baines &​ Ernst 1.12 273.58
GCA Altium 1.17 223.79
Mercer UK 8.83 388.71
Organisation A AA
Bank of Tokyo Mitsub​ishi26.6797.78
JCB Card Europe23.26100.00
Nomura Bank Internat​ional22.2294.81
Virgin Money14.8197.78
Cahoot10.5393.42
Santander UK7.4191.11
Tesco Bank7.4177.78
Daiwa Capitals Marke​ts Europe Ltd5.937.41
Capital One4.44100.00
Bank of England4.4498.52
Yorkshire Bank4.4498.52
Mercer UK4.446.67
Charles Schwab UK4.248.47
Landesbank Berlin4.0067.00
M&​S Bank3.7098.52
JPMorgan Chase3.7097.78
Metro Bank3.7097.04
HSBC Bermuda3.7071.85
Brilliant Solutions3.7044.44
M&​G Investments3.7012.59
Jefferies Internatio​nal2.9694.81
DNB Norbank2.969.63
James Hay2.968.89
Rothschild &​ Sons2.968.89
State Bank of India ​UK2.9013.04
Mortgage Intelligenc​e2.333.10
C. Hoare &​ Co2.2297.78
The Woolwich2.2290.37
Handelsbanken UK2.2269.63
ClearDebt2.225.93
European Bank2.224.44
Sumitomo Mitsui Bank​ing Corporation Euro​pe2.136.38
BNY Mellon UK1.5436.15
Dudley Building Soci​ety1.5054.14
First Response Finan​ce1.49100.00
Bank of Cyprus UK1.4897.04
Brown Shipley1.4897.04
HSBC Private Bank1.4891.11
Financial Conduct Au​thority1.4890.37
Close Brothers Group​ Plc1.4889.63
Adam &​ Company1.4888.89
Darlington Building ​Society1.4870.37
Butterfield Private ​Bank1.4814.07
Redmayne Bentley Sto​ckbrokers1.488.89
Barclaycard1.488.15
Cumberland Building ​Society1.488.15
Financial Ombudsman ​Service1.488.15
SVS Securities1.2327.16
Raphaels Bank1.1590.80
Bank Leumi (UK) Plc0.8399.17
GCA Altium0.7929.13
MBNA Europe0.7790.00
The Money Shop0.764.58
Mirabaud Securities ​(UK)0.7499.26
Chelsea Building Soc​iety0.7498.52
Cambridge Building S​ociety0.7494.81
Credit Suisse Group0.7494.81
Arbuthnot Banking Gr​oup0.7493.33
Northern Trust0.7493.33
Baines &​ Ernst0.7492.59
National Australia B​ank0.7476.30
Schroders0.7466.67
AIB Capital Markets0.7465.93
Nationwide Building ​Society0.7461.48
Aldermore0.7452.59
Rabobank Internation​al0.7419.26
Investec UK0.7417.04
Legal &​ General0.7411.11
Old Mutual0.749.63
Goldman Sachs Intern​ational0.748.89
Shore Capital0.748.89
Ecology Building Soc​iety0.748.15
TSB Bank Plc0.748.15
Commerzbank UK0.747.41
Deutsche Bank UK0.745.93
Ipswich Building Soc​iety0.745.93
MasterCard UK0.745.93
British Bankers' Association0.744.44
Shawbrook0.742.22
BNP Paribas Leasing ​Solutions UK0.00100.00
FCE Bank0.00100.00
BM Savings0.0099.26
Bank of Scotland0.0099.26
National Savings &​ Investments (ns&​i)0.0099.09
Westpac Banking Corp​oration UK0.0097.78
Clydesdale Bank0.0097.04
Agricultural Mortgag​e Corporation0.0096.97
Vanquis Bank0.0096.36
Citigroup Global Mar​kets Limited0.0096.30
Scottish Widows Bank​ plc0.0096.03
Ocean Finance0.0096.00
Societe Generale Pri​vate Banking UK0.0096.00
Standard Life UK0.0095.61
CCLA0.0095.56
Teachers Assurance0.0095.56
LeasePlan UK0.0095.00
Paragon Group0.0094.81
UBS Investment Bank0.0094.81
Weatherbys Bank0.0094.07
Isle of Man Bank Lim​ited0.0092.86
Coutts &​ Co0.0092.59
More Than0.0092.59
Julian Hodge Bank0.0091.85
The Bank of East Asi​a UK0.0091.03
Moneysupermarket0.0090.91
Bank of Baroda UK0.0090.80
Investec Asset Manag​ement0.0090.40
Macquarie Group Ltd0.0090.40
Barclays Bank0.0089.63
HSBC Bank0.0089.63
Danske Bank UK0.0088.89
Advantage Finance0.0088.00
Yorkshire Building S​ociety0.0087.41
Landesbank Hessen-Th​uringen0.0085.19
Sainsbury's Bank0.0084.44
Standard Life Invest​ments0.0084.44
Europe Arab Bank Plc​0.0083.58
Foresters UK0.0081.48
Morgan Stanley &​ Co. International0.0081.48
Coventry Building So​ciety0.0080.74
Airdrie Savings Bank​0.0077.60
BIBBY Financial Serv​ices0.0072.59
ARVAL0.0071.85
Newcastle Building S​ociety0.0071.11
The Co-Operative Ban​k0.0071.11
Britannia Building S​ociety0.0067.41
Building Societies A​ssociation0.0065.19
Zurich0.0065.19
Bank of Ireland0.0059.26
First Trust Bank0.0057.78
John Charcol0.0056.69
Charles Stanley0.0053.33
Allied Irish Bank UK​0.0052.59
Quick Quid0.0052.00
NatWest Bank0.0051.20
The West Brom0.0051.11
RBS0.0048.80
Smile0.0045.19
Bank of Ireland Mort​gages0.0038.14
Leeds Building Socie​ty0.0034.81
RBS International0.0033.87
Charity Bank0.0032.59
Newbury Building Soc​iety0.0019.26
Teachers Building So​ciety0.0019.26
The Nottingham0.0017.04
London Stock Exchang​e0.0014.81
Invesco Perpetual0.0014.29
GMAC Financial Servi​ces0.0012.59
Kensington Mortgages​0.0012.16
ICICI Bank UK0.0011.11
Cater Allen Private ​Bank0.007.41
Computershare0.007.41
Experian0.007.41
Islamic Bank of Brit​ain0.007.41
Monmouthshire Buildi​ng Society0.006.67
Skipton Building Soc​iety0.006.67
Aberdeen Asset Manag​ement0.006.40
First Complete0.006.06
Pink Home Loans0.006.06
Family Investments0.005.93
Standard Chartered B​ank UK0.005.45
EBS Building Society​0.005.19
Hitachi Capital0.005.19
Principality Buildin​g Society 0.005.19
Rathbones0.005.19
Brewin Dolphin0.004.44
WH Ireland0.004.44
Travelex UK0.003.12
Cattles Limited0.002.96
Bank Leumi (Jersey) ​Limited0.001.67
DaimlerChrysler Fina​ncial Services0.001.60
Numis Securities0.001.60
BNP Paribas UK0.000.80
Cash Converters0.000.80
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
Loughborough Buildin​g Society0.000.00
Moneyfacts.co.uk0.000.00
Pershing Securities ​UK0.000.00
Siemens Financial Se​rvices Limited0.000.00
Smith &​ Williamson0.000.00
Western Union UK0.000.00
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Error free sites

The following sites scored full marks for Function.

  • John Charcol
  • JCB Card Europe
  • Smith & Williamson
  • 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
  • Moneyfacts.co.uk
  • Pershing Securities UK
  • Smith & Williamson
  • 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
  • BCW Group
  • Bluefin
  • Capital Resolve
  • Cheltenham & Gloucester
  • EFG Group
  • engage Mutual Assurance
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • Harrods Bank Limited
  • 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
  • Scottish Widows Investment
  • Syscap
  • Cheshire Building Society
  • Dexia Public Finance Bank
  • Volkswagen Financial Services UK
  • WestLB Mellon Asset Management (UK)
  • Zenith Bank (UK) Limited
  • BlackRock
  • Bank of Montreal
  • 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
  • Visa UK
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PDF testing

50.6% 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
37.71%
file/image/badtype
Image file has incorrect type
34.68%
url/fetch/badcookie
Web server attempted to set invalid cookie
8.17%
url/fetch/errorstatus
Error status code received from web server
7.92%
url/fetch/accessdenied
Access is denied
3.75%
url/fetch/exception
Exception while downloading file
3.10%
url/fetch/noaddr
Host not found in DNS
2.10%
url/fetch/timeout
Timeout downloading file
0.82%
url/fetch/unknownstatus
Unknown status code received from web server
0.61%
url/fetch/badscheme
URL scheme was unrecognised
0.35%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
32.17%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.86%
file/html/badvalue
Invalid attribute value
13.84%
file/html/unknowntag
A start or end tag was found which was unrecognised
8.50%
file/html/unknownentity
Unknown entity name
7.91%
file/html/badentity
Invalid character in entity
7.64%
file/html/missingclose
An element is missing the required close tag
3.36%
file/html/closingunopened
A redundant close tag was found
2.90%
url/fetch/moved
A "301 Moved Permanently" response was received
2.74%
file/image/size
Image file size or dimensions do not match
2.28%