2020 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    05 Jan 2020

  • Total URLs tested:

    267,453

  • Total tests run:

    86,959,067

  • Total number of PDF's:

    1,417

  • URLs failing functional tests:

    3.78%

  • Pages failing code standards:

    95.01%

  • Pages missing a title:

    1.59%

  • Pages failing accessibility level A:

    98.43%

  • Pages failing accessibility level AA:

    48.83%

  • Poorest code quality:

    Bank of Montreal (https://www.bmo.com/) - 59,275 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 0.03 198.83
Yorkshire Bank 0.03 201.41
Europe Arab Bank Plc​ 0.04 655.57
Barclays Bank 0.04 1273.19
Numis Securities 0.05 50.35
National Savings &​ Investments (ns&​i) 0.05 1487.61
M&​S Bank 0.05 635.43
Dudley Building Soci​ety 0.05 427.13
Darlington Building ​Society 0.06 330.60
Teachers Building So​ciety 0.06 2571.48
Goldman Sachs Intern​ational 0.06 1691.69
More Than 0.06 196.33
Bank of Baroda UK 0.06 1122.69
Scottish Widows Bank​ plc 0.07 443.67
BM Savings 0.07 100.17
Raphaels Bank 0.07 579.09
Agricultural Mortgag​e Corporation 0.07 451.88
Smile 0.07 354.93
The Woolwich 0.07 1491.79
Close Premium Financ​e 0.07 426.89
Britannia Building S​ociety 0.08 303.73
HSBC Bank 0.08 285.61
Shore Capital 0.08 1118.18
Cambridge Building S​ociety 0.08 442.96
Metro Bank 0.08 1023.72
C. Hoare &​ Co 0.09 422.50
DNB Norbank 0.09 68.70
Ocean Finance 0.09 513.67
Virgin Money 0.09 357.56
Credit Suisse Group 0.09 240.27
Aldermore 0.09 246.12
Close Brothers Group​ Plc 0.09 319.96
European Bank 0.09 192.69
Nationwide Building ​Society 0.09 251.49
Smith &​ Williamson 0.09 213.61
Ipswich Building Soc​iety 0.09 339.40
Investec UK 0.09 611.42
John Charcol 0.09 343.59
Leeds Building Socie​ty 0.09 223.55
Rathbones 0.10 479.83
Experian 0.10 488.02
Chelsea Building Soc​iety 0.10 95.57
JPMorgan Chase 0.10 729.63
DaimlerChrysler Fina​ncial Services 0.10 695.83
Financial Conduct Au​thority 0.10 230.49
Siemens Financial Se​rvices Limited 0.10 871.27
Adam &​ Company 0.11 314.00
Capital One 0.11 789.37
Landesbank Berlin 0.11 179.79
ARVAL 0.11 907.65
Standard Life UK 0.11 264.87
Morgan Stanley &​ Co. International 0.11 1588.09
Hitachi Capital 0.11 954.16
The Co-Operative Ban​k 0.11 186.41
HSBC Private Bank 0.11 144.21
Kensington Mortgages​ 0.11 759.07
Brewin Dolphin 0.11 483.94
Coutts &​ Co 0.12 380.85
Moneyfacts.co.uk 0.12 81.25
Newbury Building Soc​iety 0.12 362.49
The West Brom 0.12 283.88
Yorkshire Building S​ociety 0.12 371.62
ABN AMRO Commercial ​Finance 0.12 1397.89
Weatherbys Bank 0.12 584.93
Aberdeen Asset Manag​ement 0.12 572.14
Bank of Cyprus UK 0.12 733.14
Cattles Limited 0.12 388.25
Charles Stanley 0.12 222.46
Arbuthnot Banking Gr​oup 0.12 160.59
Ecology Building Soc​iety 0.13 979.12
First Response Finan​ce 0.13 980.55
Handelsbanken UK 0.14 542.68
Financial Services C​ompensation Scheme 0.14 725.97
London Stock Exchang​e 0.14 318.11
Coventry Building So​ciety 0.14 238.00
Standard Life Invest​ments 0.14 628.56
Islamic Bank of Brit​ain 0.14 218.50
M&​G Investments 0.14 310.04
Isle of Man Bank Lim​ited 0.14 657.71
Zurich 0.14 486.74
Family Investments 0.14 528.28
Landesbank Hessen-Th​uringen 0.14 3933.37
Barclaycard 0.14 922.96
LeasePlan UK 0.14 1061.66
Building Societies A​ssociation 0.15 296.89
RBS 0.15 413.23
Monmouthshire Buildi​ng Society 0.16 263.67
MBNA Europe 0.16 357.58
Deutsche Bank UK 0.16 633.33
Bank of England 0.16 2483.72
Santander UK 0.16 212.81
Julian Hodge Bank 0.16 386.38
Brown Shipley 0.16 1234.31
Western Union UK 0.16 246.57
Danske Bank UK 0.16 149.48
Commerzbank UK 0.17 1535.58
NatWest Bank 0.17 417.95
Principality Buildin​g Society 0.17 401.44
Bank of Scotland 0.17 215.45
BNP Paribas UK 0.17 110.25
Schroders 0.17 2420.58
Moneysupermarket 0.17 121.43
RBS International 0.17 572.75
Newcastle Building S​ociety 0.17 571.04
State Bank of India ​UK 0.17 245.05
The Nottingham 0.17 168.55
Bank of Montreal 0.18 261.70
Cater Allen Private ​Bank 0.18 527.96
Mirabaud Securities ​(UK) 0.19 1181.64
Jersey Financial Ser​vices Commission 0.19 137.92
WH Ireland 0.19 1075.06
Visa UK 0.20 1506.09
Skipton Building Soc​iety 0.20 154.34
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.20 276.75
Vanquis Bank 0.21 375.60
Legal &​ General 0.21 306.16
Rothschild &​ Sons 0.21 502.18
CCLA 0.21 440.68
EBS Building Society​ 0.22 547.48
Shawbrook 0.23 136.82
Mortgage Intelligenc​e 0.23 1489.30
Investec Asset Manag​ement 0.23 794.21
Butterfield Private ​Bank 0.23 177.86
Teachers Assurance 0.24 233.67
Gulf International B​ank 0.25 201.16
Charity Bank 0.25 1968.49
Cumberland Building ​Society 0.26 177.46
James Hay 0.26 250.15
Redmayne Bentley Sto​ckbrokers 0.26 176.29
National Australia B​ank 0.26 156.47
Bank Leumi (Jersey) ​Limited 0.26 2.05
Paragon Group 0.28 475.68
Bank of Ireland Mort​gages 0.29 296.84
Tesco Bank 0.29 197.46
The Bank of East Asi​a UK 0.29 79.92
AIB Capital Markets 0.30 543.20
BNP Paribas Leasing ​Solutions UK 0.30 516.56
Pershing Securities ​UK 0.31 176.02
First Trust Bank 0.33 551.03
Zenith Bank (UK) Lim​ited 0.33 395.03
Citigroup Global Mar​kets Limited 0.33 626.99
Allied Irish Bank UK​ 0.33 418.73
GCA Altium 0.34 284.62
Cash Converters 0.36 229.99
Bank of Ireland 0.37 494.13
ClearDebt 0.38 295.23
GMAC Financial Servi​ces 0.39 299.95
UBS Investment Bank 0.40 337.48
JCB Card Europe 0.40 136.28
BNY Mellon UK 0.40 1610.26
FCE Bank 0.41 105.59
Bank Leumi (UK) Plc 0.42 216.16
Computershare 0.42 398.21
Brilliant Solutions 0.45 307.69
Loughborough Buildin​g Society 0.46 308.61
Reliance Bank Limite​d 0.47 405.16
Jefferies Internatio​nal 0.48 236.24
Charles Schwab UK 0.48 254.48
Societe Generale Pri​vate Banking UK 0.48 1928.69
SVS Securities 0.49 539.16
Westpac Banking Corp​oration UK 0.49 267.23
Foresters UK 0.50 282.19
BIBBY Financial Serv​ices 0.52 841.47
Citibank UK 0.56 153.96
HSBC Bermuda 0.56 178.59
Bank of Tokyo Mitsub​ishi 0.60 675.47
Macquarie Group Ltd 0.62 769.39
Nomura Bank Internat​ional 0.76 232.01
Financial Ombudsman ​Service 0.79 375.76
ICICI Bank UK 0.80 78.60
Daiwa Capitals Marke​ts Europe Ltd 0.84 306.09
Old Mutual 0.87 124.56
Pink Home Loans 0.89 352.06
First Complete 0.92 351.37
Bank of China UK 1.47 46.19
Mercer UK 9.13 483.86
Organisation A AA
Bank of Tokyo Mitsub​ishi32.5999.26
Visa UK32.5968.89
JCB Card Europe26.61100.00
Nomura Bank Internat​ional22.9691.85
Virgin Money17.7899.26
M&​G Investments7.4112.59
Tesco Bank5.9382.22
HSBC Bermuda5.1979.26
Santander UK4.4498.52
Arbuthnot Banking Gr​oup4.4494.81
Landesbank Berlin4.0467.68
C. Hoare &​ Co3.7098.52
Jefferies Internatio​nal3.7094.07
Brilliant Solutions3.707.41
Cambridge Building S​ociety2.9695.56
Old Mutual2.9610.37
James Hay2.968.89
Charles Schwab UK2.569.40
Mortgage Intelligenc​e2.333.10
JPMorgan Chase2.22100.00
BNP Paribas Leasing ​Solutions UK2.2299.26
M&​S Bank2.2298.52
Goldman Sachs Intern​ational2.229.63
DNB Norbank2.228.89
Daiwa Capitals Marke​ts Europe Ltd2.227.41
Mercer UK2.227.41
ClearDebt2.225.93
European Bank2.225.93
Zenith Bank (UK) Lim​ited1.676.67
Bank of Baroda UK1.6491.80
Capital One1.52100.00
Westpac Banking Corp​oration UK1.4897.78
Bank of Cyprus UK1.4897.04
Family Investments1.4894.81
Jersey Financial Ser​vices Commission1.4894.07
Adam &​ Company1.4891.11
Close Brothers Group​ Plc1.4891.11
Financial Conduct Au​thority1.4890.37
National Australia B​ank1.4877.78
Bank of Ireland1.4874.81
Darlington Building ​Society1.4871.85
Morgan Stanley &​ Co. International1.4871.11
The Co-Operative Ban​k1.4865.19
Nationwide Building ​Society1.4861.48
Schroders1.4860.00
Bank of Montreal1.4851.85
Aldermore1.4850.37
Investec UK1.4831.11
BNY Mellon UK1.4823.70
Financial Ombudsman ​Service1.4810.37
Redmayne Bentley Sto​ckbrokers1.489.63
Butterfield Private ​Bank1.488.89
Leeds Building Socie​ty1.488.89
Cater Allen Private ​Bank1.487.41
Rothschild &​ Sons1.487.41
Monmouthshire Buildi​ng Society1.485.93
Cumberland Building ​Society1.484.44
Gulf International B​ank1.484.44
The Bank of East Asi​a UK1.2891.03
Raphaels Bank1.1996.43
SVS Securities1.0623.40
Sumitomo Mitsui Bank​ing Corporation Euro​pe1.067.45
National Savings &​ Investments (ns&​i)0.9099.10
GCA Altium0.7820.16
MBNA Europe0.7790.00
Bank Leumi (UK) Plc0.7696.95
Bank of Scotland0.7497.78
UBS Investment Bank0.7494.07
Paragon Group0.7493.33
Britannia Building S​ociety0.7491.85
Danske Bank UK0.7489.63
Landesbank Hessen-Th​uringen0.7488.15
ARVAL0.7470.37
AIB Capital Markets0.7465.19
Charles Stanley0.7463.70
The Nottingham0.7417.04
Legal &​ General0.748.89
Ecology Building Soc​iety0.748.15
First Complete0.748.15
Pink Home Loans0.748.15
Ipswich Building Soc​iety0.747.41
Commerzbank UK0.746.67
Deutsche Bank UK0.745.93
Weatherbys Bank0.744.44
WH Ireland0.742.22
FCE Bank0.00100.00
First Response Finan​ce0.00100.00
BM Savings0.0099.26
Reliance Bank Limite​d0.0098.53
Chelsea Building Soc​iety0.0097.78
Metro Bank0.0097.78
Mirabaud Securities ​(UK)0.0097.78
Scottish Widows Bank​ plc0.0097.62
LeasePlan UK0.0097.53
CCLA0.0097.04
Clydesdale Bank0.0097.04
Agricultural Mortgag​e Corporation0.0096.97
Citigroup Global Mar​kets Limited0.0096.30
Yorkshire Bank0.0096.30
Barclaycard0.0095.56
Brown Shipley0.0095.56
Teachers Assurance0.0095.56
Standard Life UK0.0095.37
Macquarie Group Ltd0.0095.20
Vanquis Bank0.0095.19
More Than0.0094.07
Yorkshire Building S​ociety0.0094.07
Julian Hodge Bank0.0093.33
HSBC Private Bank0.0092.59
Barclays Bank0.0091.85
The Woolwich0.0091.85
Isle of Man Bank Lim​ited0.0091.27
Investec Asset Manag​ement0.0090.40
Moneysupermarket0.0090.40
Ocean Finance0.0088.80
Bank of England0.0088.15
BIBBY Financial Serv​ices0.0086.57
Europe Arab Bank Plc​0.0085.94
Coutts &​ Co0.0085.93
HSBC Bank0.0083.70
Credit Suisse Group0.0082.96
Financial Services C​ompensation Scheme0.0079.26
Foresters UK0.0069.63
Coventry Building So​ciety0.0068.89
John Charcol0.0067.72
Zurich0.0067.41
Building Societies A​ssociation0.0064.44
RBS0.0061.60
The West Brom0.0060.00
Newcastle Building S​ociety0.0059.26
First Trust Bank0.0058.52
NatWest Bank0.0054.40
Dudley Building Soci​ety0.0053.45
Allied Irish Bank UK​0.0049.63
Smile0.0040.74
Bank of Ireland Mort​gages0.0038.14
Charity Bank0.0032.59
Handelsbanken UK0.0026.09
State Bank of India ​UK0.0015.71
London Stock Exchang​e0.0011.11
Kensington Mortgages​0.0010.71
Shore Capital0.0010.37
Smith &​ Williamson0.0010.37
GMAC Financial Servi​ces0.009.63
ICICI Bank UK0.009.63
Newbury Building Soc​iety0.008.89
Teachers Building So​ciety0.008.89
Western Union UK0.008.80
DaimlerChrysler Fina​ncial Services0.008.15
EBS Building Society​0.008.15
Computershare0.007.41
Experian0.007.41
Brewin Dolphin0.006.67
Principality Buildin​g Society 0.006.67
Skipton Building Soc​iety0.006.67
RBS International0.006.40
Rathbones0.005.93
Hitachi Capital0.005.19
Islamic Bank of Brit​ain0.005.19
Shawbrook0.005.19
Standard Life Invest​ments0.003.08
Cattles Limited0.002.96
Bank Leumi (Jersey) ​Limited0.002.08
Numis Securities0.001.60
Aberdeen Asset Manag​ement0.000.80
BNP Paribas UK0.000.80
Cash Converters0.000.80
Societe Generale Pri​vate Banking 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
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Error free sites

The following sites scored full marks for Function.

  • John Charcol
  • 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
  • Loughborough Building Society
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • Advantage Finance
  • Baines & Ernst
  • British Bankers' Association
  • 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
  • One Account
  • PayPoint
  • Punjab National Bank (International) Ltd UK
  • SMBC Capital Markets
  • St Andrews Financial Services
  • Scottish Widows Investment
  • Syscap
  • Cheshire Building Society
  • Travelex UK
  • Dexia Public Finance Bank
  • Volkswagen Financial Services UK
  • WestLB Mellon Asset Management (UK)
  • Airdrie Savings Bank
  • BlackRock
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • Harrington Brooks
  • Invesco Perpetual
  • Lloyds Bank Plc
  • MasterCard UK
  • Northern Trust
  • Quick Quid
  • Rabobank International
  • Sainsbury's Bank
  • Standard Chartered Bank UK
  • Secure Trust Bank Plc
  • The Loans Engine
  • The Money Shop
  • TSB Bank Plc
  • Ulster Bank
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PDF testing

11.0% of PDFs passed all our WCAG accessibility checks.

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
36.94%
file/image/badtype
Image file has incorrect type
31.95%
url/fetch/errorstatus
Error status code received from web server
8.05%
url/fetch/badcookie
Web server attempted to set invalid cookie
7.94%
url/fetch/accessdenied
Access is denied
5.63%
url/fetch/unknownstatus
Unknown status code received from web server
3.49%
url/fetch/noaddr
Host not found in DNS
2.03%
url/fetch/timeout
Timeout downloading file
1.42%
file/general/php
PHP error
0.94%
url/fetch/badscheme
URL scheme was unrecognised
0.40%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
35.14%
file/html/badvalue
Invalid attribute value
14.08%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.85%
file/html/unknownentity
Unknown entity name
7.32%
file/html/badentity
Invalid character in entity
7.03%
file/html/unknowntag
A start or end tag was found which was unrecognised
7.01%
file/html/missingclose
An element is missing the required close tag
2.94%
file/html/closingunopened
A redundant close tag was found
2.63%
url/fetch/moved
A "301 Moved Permanently" response was received
2.56%
file/image/size
Image file size or dimensions do not match
2.30%