2019 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    08 Oct 2019

  • Total URLs tested:

    278,619

  • Total tests run:

    90,588,823

  • Total number of PDF's:

    1,448

  • URLs failing functional tests:

    3.44%

  • Pages failing code standards:

    94.60%

  • Pages missing a title:

    2.05%

  • Pages failing accessibility level A:

    98.59%

  • Pages failing accessibility level AA:

    49.54%

  • Poorest code quality:

    Bank of Montreal (https://www.bmo.com/) - 55,951 failures

  • Fastest average response time:

    Clydesdale Bank (http://www.cbonline.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)
Clydesdale Bank 0.04 222.57
BM Savings 0.04 106.76
Europe Arab Bank Plc​ 0.04 1067.53
National Savings &​ Investments (ns&​i) 0.05 1599.14
Goldman Sachs Intern​ational 0.05 1211.34
Leeds Building Socie​ty 0.05 321.51
Numis Securities 0.05 41.16
M&​S Bank 0.05 752.48
Bank of Baroda UK 0.06 405.08
Barclaycard 0.06 947.37
Yorkshire Bank 0.06 247.65
Dudley Building Soci​ety 0.06 431.98
Rathbones 0.06 512.06
The Woolwich 0.06 1525.02
Raphaels Bank 0.06 585.90
DNB Norbank 0.06 61.50
Agricultural Mortgag​e Corporation 0.06 539.56
Darlington Building ​Society 0.06 279.17
More Than 0.07 648.29
British Bankers' Association 0.07 165.45
Santander UK 0.07 289.21
Metro Bank 0.07 897.29
Scottish Widows Bank​ plc 0.07 451.39
Coutts &​ Co 0.08 442.99
Ocean Finance 0.08 475.38
Close Premium Financ​e 0.08 428.04
Kensington Mortgages​ 0.08 811.71
C. Hoare &​ Co 0.08 458.19
Cambridge Building S​ociety 0.08 477.09
Smith &​ Williamson 0.08 130.07
Teachers Building So​ciety 0.09 4502.25
Experian 0.09 365.88
Virgin Money 0.09 380.74
Advantage Finance 0.09 529.26
MBNA Europe 0.09 336.12
Aldermore 0.09 205.99
Shore Capital 0.10 1025.04
Brewin Dolphin 0.10 618.63
European Bank 0.10 211.61
Morgan Stanley &​ Co. International 0.10 2439.95
Ipswich Building Soc​iety 0.10 393.96
Hitachi Capital 0.10 1292.71
JPMorgan Chase 0.10 737.10
Barclays Bank 0.10 1414.92
Landesbank Berlin 0.10 180.78
Bank of Scotland 0.10 214.88
Moneyfacts.co.uk 0.10 70.00
ABN AMRO Commercial ​Finance 0.11 1518.88
DaimlerChrysler Fina​ncial Services 0.11 595.40
Standard Life UK 0.11 252.00
Brown Shipley 0.11 1411.06
HSBC Private Bank 0.11 183.76
Newbury Building Soc​iety 0.11 242.95
Credit Suisse Group 0.11 261.49
Investec UK 0.12 900.46
Arbuthnot Banking Gr​oup 0.12 196.10
Britannia Building S​ociety 0.12 248.85
Adam &​ Company 0.12 314.03
Financial Conduct Au​thority 0.12 366.69
Weatherbys Bank 0.12 638.86
London Stock Exchang​e 0.12 269.13
First Response Finan​ce 0.12 1027.72
Zurich 0.12 499.22
Capital One 0.12 858.91
The West Brom 0.12 292.54
Nationwide Building ​Society 0.12 249.69
Cattles Limited 0.12 436.69
Bank of Cyprus UK 0.13 654.52
ARVAL 0.13 905.44
Principality Buildin​g Society 0.13 436.59
Ecology Building Soc​iety 0.13 1043.65
Landesbank Hessen-Th​uringen 0.14 4466.52
Deutsche Bank UK 0.14 630.17
Legal &​ General 0.14 404.24
The Co-Operative Ban​k 0.14 217.86
Siemens Financial Se​rvices Limited 0.14 947.27
Isle of Man Bank Lim​ited 0.14 701.17
Coventry Building So​ciety 0.14 298.28
Moneysupermarket 0.14 118.58
Islamic Bank of Brit​ain 0.14 239.82
Handelsbanken UK 0.14 149.80
Smile 0.14 335.65
Family Investments 0.15 431.78
Financial Services C​ompensation Scheme 0.15 733.19
Chelsea Building Soc​iety 0.15 101.86
Travelex UK 0.16 371.97
Redmayne Bentley Sto​ckbrokers 0.16 179.99
Julian Hodge Bank 0.16 402.44
Standard Life Invest​ments 0.16 421.60
State Bank of India ​UK 0.16 264.34
Commerzbank UK 0.16 1420.69
WH Ireland 0.17 992.98
Bank Leumi (Jersey) ​Limited 0.17 1.72
Western Union UK 0.17 248.61
BNP Paribas UK 0.17 101.83
Cater Allen Private ​Bank 0.17 464.31
Jersey Financial Ser​vices Commission 0.17 132.41
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.17 216.02
Aberdeen Asset Manag​ement 0.17 456.34
RBS 0.18 438.69
Bank of England 0.18 2557.13
The Nottingham 0.18 180.97
Sainsbury's Bank 0.18 245.46
Rothschild &​ Sons 0.18 559.54
RBS International 0.18 658.29
NatWest Bank 0.18 571.31
Brilliant Solutions 0.19 337.92
Charles Stanley 0.19 257.68
Mortgage Intelligenc​e 0.19 1172.16
Monmouthshire Buildi​ng Society 0.19 162.68
Bank of Ireland Mort​gages 0.19 285.64
Investec Asset Manag​ement 0.20 797.62
Building Societies A​ssociation 0.20 395.68
Vanquis Bank 0.21 260.35
Cumberland Building ​Society 0.21 198.31
Danske Bank UK 0.21 213.01
Invesco Perpetual 0.21 154.03
John Charcol 0.21 428.55
Yorkshire Building S​ociety 0.22 369.94
James Hay 0.22 266.92
EBS Building Society​ 0.22 563.56
Schroders 0.22 2139.77
Gulf International B​ank 0.23 240.39
Skipton Building Soc​iety 0.23 144.07
Close Brothers Group​ Plc 0.23 482.79
Bank of Montreal 0.23 236.13
Teachers Assurance 0.24 373.20
Charity Bank 0.24 2131.70
Paragon Group 0.24 460.55
Newcastle Building S​ociety 0.25 393.85
Societe Generale Pri​vate Banking UK 0.25 2661.33
LeasePlan UK 0.25 1113.20
HSBC Bank 0.25 281.36
M&​G Investments 0.26 420.20
BIBBY Financial Serv​ices 0.26 838.54
CCLA 0.26 487.42
First Trust Bank 0.27 427.52
Tesco Bank 0.28 235.25
Airdrie Savings Bank​ 0.28 187.74
Bank of Ireland 0.29 547.74
National Australia B​ank 0.29 174.78
AIB Capital Markets 0.29 351.88
The Bank of East Asi​a UK 0.29 99.35
Allied Irish Bank UK​ 0.29 401.61
Mirabaud Securities ​(UK) 0.29 1285.66
Zenith Bank (UK) Lim​ited 0.31 448.38
Butterfield Private ​Bank 0.32 175.98
Pershing Securities ​UK 0.32 191.92
ClearDebt 0.32 350.28
Shawbrook 0.33 169.92
Cash Converters 0.35 223.12
Jefferies Internatio​nal 0.38 258.51
Citigroup Global Mar​kets Limited 0.38 557.00
SVS Securities 0.39 536.67
Foresters UK 0.40 309.73
FCE Bank 0.40 91.84
JCB Card Europe 0.40 131.95
GMAC Financial Servi​ces 0.41 303.22
Quick Quid 0.42 505.75
GCA Altium 0.43 267.50
Charles Schwab UK 0.47 264.73
Computershare 0.47 327.00
Westpac Banking Corp​oration UK 0.48 242.82
Bank Leumi (UK) Plc 0.48 235.09
Financial Ombudsman ​Service 0.50 436.84
Loughborough Buildin​g Society 0.54 295.84
BNY Mellon UK 0.56 542.53
Citibank UK 0.60 200.84
UBS Investment Bank 0.63 406.01
Bank of Tokyo Mitsub​ishi 0.63 441.83
Pink Home Loans 0.64 440.97
Macquarie Group Ltd 0.65 653.89
First Complete 0.66 394.85
HSBC Bermuda 0.70 197.23
Daiwa Capitals Marke​ts Europe Ltd 0.72 285.77
Nomura Bank Internat​ional 0.77 203.64
Bank of China UK 0.82 25.68
Old Mutual 0.84 118.90
Standard Chartered B​ank UK 1.13 412.47
ICICI Bank UK 1.20 94.10
Baines &​ Ernst 1.20 271.45
BNP Paribas Leasing ​Solutions UK 1.42 323.34
Mercer UK 8.93 298.71
Organisation A AA
Bank of Tokyo Mitsub​ishi31.8598.52
JCB Card Europe26.61100.00
Nomura Bank Internat​ional22.9695.56
Virgin Money12.5998.52
Tesco Bank6.6778.52
Landesbank Berlin6.0667.68
BNP Paribas Leasing ​Solutions UK5.95100.00
Capital One5.19100.00
Metro Bank5.1991.85
M&​G Investments5.1913.33
Bank of Baroda UK4.5589.39
HSBC Bermuda4.4475.56
Mercer UK4.445.93
JPMorgan Chase3.7097.78
Financial Conduct Au​thority3.7091.11
Santander UK3.7087.41
Old Mutual3.709.63
James Hay3.708.89
Sumitomo Mitsui Bank​ing Corporation Euro​pe3.2312.90
C. Hoare &​ Co2.9698.52
M&​S Bank2.9698.52
Bank of Montreal2.9655.56
Butterfield Private ​Bank2.9610.37
Goldman Sachs Intern​ational2.968.89
ClearDebt2.967.41
Jersey Financial Ser​vices Commission2.967.41
Charles Schwab UK2.598.62
Raphaels Bank2.4196.39
Mortgage Intelligenc​e2.333.10
Bank of England2.2293.33
Close Brothers Group​ Plc2.2290.37
National Australia B​ank2.2277.78
Schroders2.2259.26
ICICI Bank UK2.2214.07
DNB Norbank2.229.63
Brilliant Solutions2.227.41
Rothschild &​ Sons2.227.41
National Savings &​ Investments (ns&​i)1.7999.11
Zenith Bank (UK) Lim​ited1.676.67
Bank of Cyprus UK1.4896.30
Adam &​ Company1.4893.33
Arbuthnot Banking Gr​oup1.4893.33
Weatherbys Bank1.4892.59
HSBC Private Bank1.4877.78
Morgan Stanley &​ Co. International1.4876.30
Darlington Building ​Society1.4868.89
Leeds Building Socie​ty1.4830.37
BNY Mellon UK1.4824.44
Financial Ombudsman ​Service1.4810.37
Legal &​ General1.488.89
Daiwa Capitals Marke​ts Europe Ltd1.487.41
Cater Allen Private ​Bank1.486.67
Cumberland Building ​Society1.485.93
Gulf International B​ank1.483.70
State Bank of India ​UK1.4515.94
The Bank of East Asi​a UK1.2891.03
SVS Securities1.0623.40
Bank Leumi (UK) Plc0.7897.67
MBNA Europe0.7889.15
GCA Altium0.7821.09
First Response Finan​ce0.74100.00
Jefferies Internatio​nal0.7495.56
Cambridge Building S​ociety0.7494.81
Paragon Group0.7494.81
Baines &​ Ernst0.7492.59
UBS Investment Bank0.7491.85
Aldermore0.7478.52
The Co-Operative Ban​k0.7465.19
Nationwide Building ​Society0.7462.96
Credit Suisse Group0.7452.59
Investec UK0.7429.63
London Stock Exchang​e0.7412.59
Shore Capital0.7411.11
European Bank0.748.15
Redmayne Bentley Sto​ckbrokers0.748.15
Monmouthshire Buildi​ng Society0.747.41
Barclaycard0.746.67
Commerzbank UK0.746.67
Deutsche Bank UK0.745.93
Ecology Building Soc​iety0.745.93
British Bankers' Association0.744.44
Cattles Limited0.743.70
FCE Bank0.00100.00
BM Savings0.0099.26
Clydesdale Bank0.0098.52
Scottish Widows Bank​ plc0.0098.41
Chelsea Building Soc​iety0.0097.78
Mirabaud Securities ​(UK)0.0097.78
Westpac Banking Corp​oration UK0.0097.78
Yorkshire Bank0.0097.78
LeasePlan UK0.0097.65
CCLA0.0097.04
Agricultural Mortgag​e Corporation0.0096.97
Vanquis Bank0.0096.52
Brown Shipley0.0096.30
Citigroup Global Mar​kets Limited0.0096.30
Bank of Scotland0.0095.56
Standard Life UK0.0095.41
Macquarie Group Ltd0.0095.20
Teachers Assurance0.0094.81
Societe Generale Pri​vate Banking UK0.0094.40
Financial Services C​ompensation Scheme0.0094.07
Julian Hodge Bank0.0094.07
More Than0.0094.07
Isle of Man Bank Lim​ited0.0092.86
Investec Asset Manag​ement0.0091.20
Yorkshire Building S​ociety0.0091.11
Moneysupermarket0.0090.91
The Woolwich0.0090.37
Barclays Bank0.0089.63
Danske Bank UK0.0088.89
Advantage Finance0.0088.00
Sainsbury's Bank0.0086.67
Ocean Finance0.0086.40
Coutts &​ Co0.0085.93
John Charcol0.0085.04
Foresters UK0.0084.44
Landesbank Hessen-Th​uringen0.0083.70
Britannia Building S​ociety0.0082.96
Europe Arab Bank Plc​0.0082.81
HSBC Bank0.0081.48
Airdrie Savings Bank​0.0080.80
Coventry Building So​ciety0.0080.74
ARVAL0.0077.04
Newcastle Building S​ociety0.0072.59
BIBBY Financial Serv​ices0.0070.37
Zurich0.0069.63
AIB Capital Markets0.0065.19
Building Societies A​ssociation0.0063.70
Charles Stanley0.0061.48
NatWest Bank0.0058.40
The West Brom0.0057.78
Allied Irish Bank UK​0.0056.30
First Trust Bank0.0056.30
Quick Quid0.0053.60
Bank of Ireland0.0052.59
RBS0.0052.00
Dudley Building Soci​ety0.0051.15
Smile0.0047.41
Bank of Ireland Mort​gages0.0038.14
RBS International0.0034.40
Handelsbanken UK0.0033.93
Charity Bank0.0033.33
Newbury Building Soc​iety0.0019.26
The Nottingham0.0015.56
Kensington Mortgages​0.0011.54
Teachers Building So​ciety0.0011.11
Invesco Perpetual0.009.52
Experian0.008.89
GMAC Financial Servi​ces0.008.89
DaimlerChrysler Fina​ncial Services0.008.15
EBS Building Society​0.008.15
Family Investments0.008.15
Computershare0.007.41
Hitachi Capital0.007.41
Skipton Building Soc​iety0.007.41
Pink Home Loans0.006.67
First Complete0.005.93
Ipswich Building Soc​iety0.005.93
Islamic Bank of Brit​ain0.005.93
Shawbrook0.005.93
Standard Chartered B​ank UK0.005.56
Brewin Dolphin0.005.19
Rathbones0.005.19
WH Ireland0.005.19
Travelex UK0.003.88
Standard Life Invest​ments0.003.85
Principality Buildin​g Society 0.003.70
Aberdeen Asset Manag​ement0.002.40
Bank Leumi (Jersey) ​Limited0.001.67
BNP Paribas UK0.000.80
Cash Converters0.000.80
Numis Securities0.000.80
Western Union UK0.000.80
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
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Error free sites

The following sites scored full marks for Function.

  • 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
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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
  • 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
  • Northern Trust
  • 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)
  • BlackRock
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • Harrington Brooks
  • Lloyds Bank Plc
  • MasterCard UK
  • Rabobank International
  • Secure Trust Bank Plc
  • The Loans Engine
  • The Money Shop
  • TSB Bank Plc
  • Ulster Bank
  • Visa UK
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PDF testing

51.1% 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
36.93%
file/image/badtype
Image file has incorrect type
33.86%
url/fetch/badcookie
Web server attempted to set invalid cookie
8.72%
url/fetch/errorstatus
Error status code received from web server
7.73%
url/fetch/accessdenied
Access is denied
5.83%
url/fetch/timeout
Timeout downloading file
2.31%
url/fetch/noaddr
Host not found in DNS
1.72%
url/fetch/exception
Exception while downloading file
1.27%
url/fetch/badscheme
URL scheme was unrecognised
0.45%
url/fetch/redirectloop
Redirect points back to the original page
0.21%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
36.26%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.65%
file/html/badvalue
Invalid attribute value
13.19%
file/html/unknowntag
A start or end tag was found which was unrecognised
7.64%
file/html/unknownentity
Unknown entity name
6.96%
file/html/badentity
Invalid character in entity
6.71%
file/html/missingclose
An element is missing the required close tag
3.43%
file/html/closingunopened
A redundant close tag was found
2.72%
url/fetch/moved
A "301 Moved Permanently" response was received
2.70%
file/image/size
Image file size or dimensions do not match
1.92%