2020 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    09 Apr 2020

  • Total URLs tested:

    311,128

  • Total tests run:

    101,153,390

  • Total number of PDF's:

    1,415

  • URLs failing functional tests:

    4.49%

  • Pages failing code standards:

    92.95%

  • Pages missing a title:

    1.07%

  • Pages failing accessibility level A:

    98.52%

  • Pages failing accessibility level AA:

    50.79%

  • Poorest code quality:

    DNB Norbank (https://www.dnb.no/) - 54,416 failures

  • Fastest average response time:

    Smile (http://www.smile.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)
Smile 0.04 347.86
National Savings &​ Investments (ns&​i) 0.04 1453.53
Europe Arab Bank Plc​ 0.04 945.02
Clydesdale Bank 0.04 161.22
Yorkshire Bank 0.04 174.42
Santander UK 0.05 237.44
M&​S Bank 0.05 527.52
Goldman Sachs Intern​ational 0.05 1052.14
Dudley Building Soci​ety 0.05 355.05
Numis Securities 0.05 51.69
Darlington Building ​Society 0.05 436.66
BM Savings 0.05 95.53
Credit Suisse Group 0.06 2748.57
HSBC Bank 0.06 318.05
Teachers Building So​ciety 0.06 905.88
More Than 0.06 193.78
Britannia Building S​ociety 0.06 515.87
The Co-Operative Ban​k 0.06 555.14
Scottish Widows Bank​ plc 0.06 476.89
TSB Bank Plc 0.07 1795.93
Barclays Bank 0.07 1388.50
European Bank 0.07 320.21
British Bankers' Association 0.07 157.87
Raphaels Bank 0.07 498.74
Cambridge Building S​ociety 0.07 425.18
Leeds Building Socie​ty 0.07 150.45
Investec UK 0.08 137.98
The Woolwich 0.08 813.42
Morgan Stanley &​ Co. International 0.08 1916.12
Ocean Finance 0.08 652.76
Kensington Mortgages​ 0.08 733.83
MBNA Europe 0.08 371.67
Agricultural Mortgag​e Corporation 0.08 284.31
Landesbank Berlin 0.08 261.86
Islamic Bank of Brit​ain 0.08 118.61
Adam &​ Company 0.08 369.07
Close Premium Financ​e 0.09 411.57
C. Hoare &​ Co 0.09 429.65
Hitachi Capital 0.09 974.15
Virgin Money 0.09 408.30
Close Brothers Group​ Plc 0.09 670.05
M&​G Investments 0.09 371.79
Rathbones 0.10 490.24
ARVAL 0.10 1057.84
Experian 0.10 412.04
Volkswagen Financial​ Services UK 0.10 424.24
Nationwide Building ​Society 0.10 225.72
Standard Life UK 0.10 294.66
Coutts &​ Co 0.10 420.65
Siemens Financial Se​rvices Limited 0.10 769.20
DaimlerChrysler Fina​ncial Services 0.10 537.69
ABN AMRO Commercial ​Finance 0.11 1609.03
Cahoot 0.11 772.98
Julian Hodge Bank 0.11 361.63
The West Brom 0.11 252.34
Smith &​ Williamson 0.11 228.49
Charles Stanley 0.11 278.57
Ipswich Building Soc​iety 0.11 452.28
JPMorgan Chase 0.11 349.30
Brown Shipley 0.11 1919.34
Brewin Dolphin 0.12 479.63
Bank of Scotland 0.12 305.63
Barclaycard 0.12 1496.40
Coventry Building So​ciety 0.12 337.59
DNB Norbank 0.12 79.99
Capital One 0.12 906.08
Financial Conduct Au​thority 0.12 238.58
Newbury Building Soc​iety 0.12 646.96
HSBC Private Bank 0.12 178.16
GMAC Financial Servi​ces 0.12 627.88
Yorkshire Building S​ociety 0.12 408.46
Deutsche Bank UK 0.13 604.00
Moneyfacts.co.uk 0.13 81.54
Cattles Limited 0.13 324.24
The Nottingham 0.13 176.08
Metro Bank 0.13 555.05
Lloyds Bank Plc 0.13 222.37
First Response Finan​ce 0.13 1007.01
Jersey Financial Ser​vices Commission 0.13 175.47
Aldermore 0.13 225.15
Financial Services C​ompensation Scheme 0.13 1185.06
Landesbank Hessen-Th​uringen 0.14 2911.68
Commerzbank UK 0.14 1437.07
Principality Buildin​g Society 0.14 429.92
Legal &​ General 0.14 290.74
Handelsbanken UK 0.14 1085.02
Weatherbys Bank 0.14 486.33
Family Investments 0.15 374.60
Ecology Building Soc​iety 0.15 1360.33
Cater Allen Private ​Bank 0.15 667.60
Building Societies A​ssociation 0.15 413.38
London Stock Exchang​e 0.15 292.48
Danske Bank UK 0.16 161.42
RBS 0.17 388.95
ClearDebt 0.17 380.78
Bank of Tokyo Mitsub​ishi 0.17 870.68
Newcastle Building S​ociety 0.17 585.63
Aberdeen Asset Manag​ement 0.17 619.28
Chelsea Building Soc​iety 0.17 103.27
NatWest Bank 0.17 529.71
BNP Paribas UK 0.17 116.79
Schroders 0.17 1644.95
Rothschild &​ Sons 0.18 527.65
RBS International 0.18 574.76
Teachers Assurance 0.18 403.08
AIB Capital Markets 0.18 613.55
Monmouthshire Buildi​ng Society 0.18 146.86
Bank of Ireland Mort​gages 0.19 299.30
Bank of England 0.19 3015.17
WH Ireland 0.19 936.29
Skipton Building Soc​iety 0.20 247.69
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.20 227.82
EBS Building Society​ 0.20 533.77
Investec Asset Manag​ement 0.21 642.84
Moneysupermarket 0.21 113.14
LeasePlan UK 0.21 845.51
Mortgage Intelligenc​e 0.21 184.97
Vanquis Bank 0.21 332.90
Mirabaud Securities ​(UK) 0.21 569.72
Western Union UK 0.21 242.56
First Complete 0.21 355.84
First Trust Bank 0.22 443.13
Standard Life Invest​ments 0.22 587.62
Daiwa Capitals Marke​ts Europe Ltd 0.23 145.17
Pink Home Loans 0.23 346.54
Arbuthnot Banking Gr​oup 0.23 71.77
Shawbrook 0.23 133.67
Allied Irish Bank UK​ 0.23 500.79
Tesco Bank 0.23 240.74
National Australia B​ank 0.24 224.18
Bank of Ireland 0.25 440.22
Shore Capital 0.25 1021.91
John Charcol 0.25 406.01
Zurich 0.25 303.35
Brilliant Solutions 0.26 234.43
CCLA 0.26 404.78
The Bank of East Asi​a UK 0.28 95.62
Gulf International B​ank 0.28 240.49
BNP Paribas Leasing ​Solutions UK 0.28 828.99
James Hay 0.29 216.55
Bank Leumi (UK) Plc 0.30 110.25
Visa UK 0.31 1391.76
Zenith Bank (UK) Lim​ited 0.31 504.55
Pershing Securities ​UK 0.31 178.91
Macquarie Group Ltd 0.32 1229.91
Paragon Group 0.32 327.32
Cumberland Building ​Society 0.32 187.93
Bank Leumi (Jersey) ​Limited 0.34 212.92
Societe Generale Pri​vate Banking UK 0.34 1574.50
BIBBY Financial Serv​ices 0.35 692.71
Charity Bank 0.36 2098.94
Citigroup Global Mar​kets Limited 0.37 596.56
Reliance Bank Limite​d 0.38 401.56
Computershare 0.40 469.78
JCB Card Europe 0.41 161.54
FCE Bank 0.42 42.38
Loughborough Buildin​g Society 0.43 350.68
Financial Ombudsman ​Service 0.46 677.04
HSBC Bermuda 0.48 171.67
Westpac Banking Corp​oration UK 0.49 282.46
Jefferies Internatio​nal 0.49 334.13
Charles Schwab UK 0.50 268.47
Foresters UK 0.52 275.15
SVS Securities 0.53 559.83
UBS Investment Bank 0.56 332.12
Citibank UK 0.56 185.41
BNY Mellon UK 0.59 496.02
Isle of Man Bank Lim​ited 0.76 290.48
GCA Altium 0.77 540.53
ICICI Bank UK 0.77 90.32
Nomura Bank Internat​ional 0.82 238.05
Bank of China UK 0.85 29.09
Travelex UK 0.86 170.00
State Bank of India ​UK 0.95 294.12
Old Mutual 0.96 90.75
Redmayne Bentley Sto​ckbrokers 2.10 201.31
Mercer UK 9.06 478.65
Organisation A AA
Virgin Money32.5998.52
JCB Card Europe26.85100.00
Nomura Bank Internat​ional20.7491.11
Bank of Tokyo Mitsub​ishi8.1539.26
Tesco Bank7.4182.22
M&​G Investments7.4111.85
Landesbank Berlin6.0068.00
James Hay5.938.15
Santander UK4.4497.04
HSBC Bermuda4.4488.89
Rothschild &​ Sons4.446.67
Cahoot4.1768.06
Bank of England3.7094.81
GCA Altium3.7025.93
Macquarie Group Ltd3.706.67
M&​S Bank2.9699.26
C. Hoare &​ Co2.9698.52
Cambridge Building S​ociety2.9694.07
Financial Conduct Au​thority2.9691.85
Financial Services C​ompensation Scheme2.9671.11
Teachers Building So​ciety2.9614.07
DNB Norbank2.969.63
ClearDebt2.965.19
Mortgage Intelligenc​e2.333.88
Dudley Building Soci​ety2.3073.56
Bank of Scotland2.22100.00
JPMorgan Chase2.2294.81
Jefferies Internatio​nal2.2294.07
Jersey Financial Ser​vices Commission2.2293.33
Julian Hodge Bank2.2290.37
The Woolwich2.2290.37
Aldermore2.2284.44
Nationwide Building ​Society2.2262.96
Mercer UK2.2216.30
Financial Ombudsman ​Service2.2210.37
European Bank2.222.96
Sumitomo Mitsui Bank​ing Corporation Euro​pe2.0812.50
Vanquis Bank1.6486.89
Zenith Bank (UK) Lim​ited1.648.20
Charles Schwab UK1.567.03
Europe Arab Bank Plc​1.5483.08
Capital One1.52100.00
Paragon Group1.4899.26
Citigroup Global Mar​kets Limited1.4897.04
The Co-Operative Ban​k1.4892.59
UBS Investment Bank1.4891.85
Coutts &​ Co1.4885.19
Adam &​ Company1.4877.04
Darlington Building ​Society1.4868.89
Bank of Ireland1.4867.41
BNY Mellon UK1.4825.19
Goldman Sachs Intern​ational1.488.89
Old Mutual1.488.89
Daiwa Capitals Marke​ts Europe Ltd1.488.15
Cater Allen Private ​Bank1.486.67
Cumberland Building ​Society1.484.44
Gulf International B​ank1.483.70
Reliance Bank Limite​d1.4197.18
The Bank of East Asi​a UK1.2789.87
Volkswagen Financial​ Services UK1.2512.50
Kensington Mortgages​1.1811.76
SVS Securities1.0623.40
Investec Asset Manag​ement0.9897.06
Ocean Finance0.8060.80
MBNA Europe0.7889.15
First Response Finan​ce0.76100.00
Smile0.7498.52
Metro Bank0.7496.30
Britannia Building S​ociety0.7494.81
Brown Shipley0.7494.81
Teachers Assurance0.7494.07
Visa UK0.7492.59
Building Societies A​ssociation0.7491.11
Close Brothers Group​ Plc0.7488.89
Danske Bank UK0.7488.89
Coventry Building So​ciety0.7485.93
National Australia B​ank0.7482.96
Morgan Stanley &​ Co. International0.7481.48
BNP Paribas Leasing ​Solutions UK0.7479.26
BIBBY Financial Serv​ices0.7474.07
Schroders0.7462.96
Foresters UK0.7451.85
Charity Bank0.7428.89
Investec UK0.7425.93
Legal &​ General0.7411.11
Family Investments0.749.63
Leeds Building Socie​ty0.748.89
TSB Bank Plc0.748.89
Ecology Building Soc​iety0.748.15
Zurich0.748.15
Barclaycard0.747.41
Brilliant Solutions0.747.41
Commerzbank UK0.747.41
Smith &​ Williamson0.747.41
Rathbones0.746.67
Deutsche Bank UK0.745.93
Weatherbys Bank0.745.93
British Bankers' Association0.744.44
Ipswich Building Soc​iety0.743.70
FCE Bank0.00100.00
BM Savings0.0099.26
National Savings &​ Investments (ns&​i)0.0099.07
Mirabaud Securities ​(UK)0.0098.40
Chelsea Building Soc​iety0.0097.78
Clydesdale Bank0.0097.78
Agricultural Mortgag​e Corporation0.0097.62
Lloyds Bank Plc0.0097.04
Yorkshire Bank0.0097.04
Raphaels Bank0.0096.25
Scottish Widows Bank​ plc0.0096.03
LeasePlan UK0.0096.00
Moneysupermarket0.0095.20
CCLA0.0094.81
Standard Life UK0.0094.74
Arbuthnot Banking Gr​oup0.0094.07
Westpac Banking Corp​oration UK0.0094.07
Yorkshire Building S​ociety0.0091.85
Barclays Bank0.0091.11
HSBC Private Bank0.0091.11
Landesbank Hessen-Th​uringen0.0088.89
More Than0.0088.89
GMAC Financial Servi​ces0.0086.67
Isle of Man Bank Lim​ited0.0086.40
Credit Suisse Group0.0084.44
HSBC Bank0.0082.22
State Bank of India ​UK0.0071.11
ARVAL0.0068.15
The West Brom0.0065.93
Charles Stanley0.0064.44
AIB Capital Markets0.0061.48
Newcastle Building S​ociety0.0060.74
Bank Leumi (UK) Plc0.0060.16
RBS0.0056.00
First Trust Bank0.0054.81
NatWest Bank0.0053.60
Allied Irish Bank UK​0.0050.37
Bank of Ireland Mort​gages0.0038.14
Handelsbanken UK0.0024.24
London Stock Exchang​e0.0014.81
Western Union UK0.0013.60
The Nottingham0.0013.33
Experian0.0012.59
Newbury Building Soc​iety0.0011.85
ICICI Bank UK0.0011.11
Shore Capital0.008.89
DaimlerChrysler Fina​ncial Services0.008.15
EBS Building Society​0.008.15
First Complete0.008.15
Pink Home Loans0.008.15
Computershare0.007.41
Hitachi Capital0.007.41
Monmouthshire Buildi​ng Society0.007.41
Redmayne Bentley Sto​ckbrokers0.007.41
Principality Buildin​g Society 0.006.67
Skipton Building Soc​iety0.006.67
WH Ireland0.006.67
Brewin Dolphin0.005.93
RBS International0.005.60
Shawbrook0.005.30
Bank Leumi (Jersey) ​Limited0.004.76
Cattles Limited0.002.96
Standard Life Invest​ments0.002.34
Societe Generale Pri​vate Banking UK0.001.60
Citibank UK0.001.59
John Charcol0.001.57
Pershing Securities ​UK0.001.18
Aberdeen Asset Manag​ement0.000.80
BNP Paribas UK0.000.80
Loughborough Buildin​g Society0.000.80
Moneyfacts.co.uk0.000.80
Numis Securities0.000.80
Close Premium Financ​e0.000.79
Travelex UK0.000.79
ABN AMRO Commercial ​Finance0.000.00
Bank of China UK0.000.00
Islamic Bank of Brit​ain0.000.00
Siemens Financial Se​rvices Limited0.000.00
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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
  • Islamic Bank of Britain
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • Advantage Finance
  • Baines & Ernst
  • Bank of Cyprus UK
  • BCW Group
  • Bluefin
  • Capital Resolve
  • Cash Converters
  • 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
  • Dexia Public Finance Bank
  • Butterfield Private Bank
  • WestLB Mellon Asset Management (UK)
  • Airdrie Savings Bank
  • Bank of Baroda UK
  • BlackRock
  • Bank of Montreal
  • Cofunds
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • Halifax
  • Harrington Brooks
  • Invesco Perpetual
  • 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
  • Ulster Bank
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PDF testing

13.0% 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
34.78%
file/image/badtype
Image file has incorrect type
28.27%
url/fetch/badcookie
Web server attempted to set invalid cookie
16.36%
url/fetch/accessdenied
Access is denied
7.17%
url/fetch/errorstatus
Error status code received from web server
5.97%
url/fetch/exception
Exception while downloading file
3.20%
url/fetch/noaddr
Host not found in DNS
1.31%
url/fetch/unknownstatus
Unknown status code received from web server
0.76%
file/general/php
PHP error
0.72%
url/fetch/timeout
Timeout downloading file
0.49%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
37.73%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
19.34%
file/html/badvalue
Invalid attribute value
15.61%
file/html/unknowntag
A start or end tag was found which was unrecognised
8.49%
file/html/missingclose
An element is missing the required close tag
3.54%
url/fetch/moved
A "301 Moved Permanently" response was received
3.31%
file/image/size
Image file size or dimensions do not match
2.90%
file/html/closingunopened
A redundant close tag was found
2.22%
file/html/missingattr
A start tag is missing required attributes
1.49%
file/html/unknownid
Fragment identifier not found
1.41%