2020 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    15 Jul 2020

  • Total URLs tested:

    296,055

  • Total tests run:

    96,254,977

  • Total number of PDF's:

    1,427

  • URLs failing functional tests:

    5.75%

  • Pages failing code standards:

    92.22%

  • Pages missing a title:

    2.47%

  • Pages failing accessibility level A:

    97.99%

  • Pages failing accessibility level AA:

    48.40%

  • Poorest code quality:

    London Stock Exchange (http://www.londonstockexchange.com/) - 70,731 failures

  • Fastest average response time:

    Zurich (https://www.zurich.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)
Zurich 0.02 129.43
Smile 0.04 323.84
Yorkshire Bank 0.04 174.49
Europe Arab Bank Plc​ 0.04 645.02
Numis Securities 0.04 54.37
Barclays Bank 0.05 1408.98
Darlington Building ​Society 0.05 294.08
M&​S Bank 0.05 445.22
Teachers Building So​ciety 0.06 3565.81
BM Savings 0.06 88.73
Bank of Baroda UK 0.06 355.38
HSBC Bank 0.06 219.74
National Savings &​ Investments (ns&​i) 0.06 1641.49
Britannia Building S​ociety 0.07 111.41
Goldman Sachs Intern​ational 0.07 1119.11
The Co-Operative Ban​k 0.07 256.36
Dudley Building Soci​ety 0.07 365.62
More Than 0.07 183.83
Kensington Mortgages​ 0.07 716.05
Coventry Building So​ciety 0.07 231.70
Raphaels Bank 0.07 653.96
Clydesdale Bank 0.07 158.05
Hitachi Capital 0.07 1159.63
Cambridge Building S​ociety 0.08 371.28
Morgan Stanley &​ Co. International 0.08 2638.67
Volkswagen Financial​ Services UK 0.08 366.15
Smith &​ Williamson 0.08 267.62
ARVAL 0.08 782.83
John Charcol 0.08 360.58
Leeds Building Socie​ty 0.08 220.22
Agricultural Mortgag​e Corporation 0.08 312.60
C. Hoare &​ Co 0.09 389.37
First Response Finan​ce 0.09 2136.75
Moneyfacts.co.uk 0.09 89.76
Landesbank Berlin 0.09 381.19
Close Premium Financ​e 0.09 454.42
Financial Conduct Au​thority 0.09 176.95
Santander UK 0.09 237.45
Ipswich Building Soc​iety 0.09 543.84
Close Brothers Group​ Plc 0.09 633.47
Virgin Money 0.10 340.96
Lloyds Bank Plc 0.10 285.41
TSB Bank Plc 0.10 529.18
Standard Life UK 0.10 270.42
Rathbones 0.10 416.99
Credit Suisse Group 0.10 236.31
DaimlerChrysler Fina​ncial Services 0.10 490.24
Barclaycard 0.10 657.02
Metro Bank 0.11 852.54
British Bankers' Association 0.11 155.21
Chelsea Building Soc​iety 0.11 77.29
Advantage Finance 0.11 343.58
The West Brom 0.11 254.41
Newbury Building Soc​iety 0.11 460.82
MBNA Europe 0.11 409.41
European Bank 0.11 197.72
Aberdeen Asset Manag​ement 0.11 593.91
Shore Capital 0.12 936.04
Charles Stanley 0.12 230.16
The Woolwich 0.12 1352.90
Cofunds 0.12 485.36
Bank of Scotland 0.12 214.15
Scottish Widows Bank​ plc 0.12 315.84
Yorkshire Building S​ociety 0.12 415.12
DNB Norbank 0.12 79.47
Investec UK 0.12 1367.49
Nationwide Building ​Society 0.12 182.93
Experian 0.12 610.85
Bank Leumi (UK) Plc 0.13 135.20
Monmouthshire Buildi​ng Society 0.13 143.34
Capital One 0.13 615.13
Cattles Limited 0.13 242.38
Islamic Bank of Brit​ain 0.13 169.64
Julian Hodge Bank 0.13 378.37
AIB Capital Markets 0.13 710.30
HSBC Private Bank 0.13 186.30
Standard Life Invest​ments 0.13 543.69
Coutts &​ Co 0.14 5436.31
Aldermore 0.14 209.78
Ecology Building Soc​iety 0.14 1257.02
Handelsbanken UK 0.14 649.99
Landesbank Hessen-Th​uringen 0.15 3963.17
WH Ireland 0.15 1204.64
Commerzbank UK 0.15 1493.90
Siemens Financial Se​rvices Limited 0.15 752.42
BNP Paribas UK 0.15 104.84
The Nottingham 0.15 169.06
Family Investments 0.15 565.18
Principality Buildin​g Society 0.15 496.22
Bank Leumi (Jersey) ​Limited 0.15 1.75
Jersey Financial Ser​vices Commission 0.15 172.96
Building Societies A​ssociation 0.15 349.80
Weatherbys Bank 0.16 393.15
Danske Bank UK 0.16 168.94
Moneysupermarket 0.16 133.14
ClearDebt 0.16 325.62
First Trust Bank 0.16 553.90
Ocean Finance 0.16 609.12
Schroders 0.16 1410.90
Arbuthnot Banking Gr​oup 0.17 250.62
M&​G Investments 0.17 343.74
RBS International 0.17 470.54
Cater Allen Private ​Bank 0.17 641.03
Charles Schwab UK 0.17 379.04
Teachers Assurance 0.17 391.61
Financial Services C​ompensation Scheme 0.17 511.29
RBS 0.17 427.95
Isle of Man Bank Lim​ited 0.18 289.79
ABN AMRO Commercial ​Finance 0.18 291.52
GMAC Financial Servi​ces 0.18 510.88
EBS Building Society​ 0.18 681.98
Allied Irish Bank UK​ 0.18 532.86
Bank of Ireland Mort​gages 0.18 259.08
CCLA 0.18 383.56
NatWest Bank 0.19 468.70
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.19 246.05
Bank of England 0.19 1385.98
Moneyextra.com 0.20 291.68
Adam &​ Company 0.20 4215.39
Investec Asset Manag​ement 0.20 446.87
Skipton Building Soc​iety 0.20 131.63
Brown Shipley 0.21 1924.75
Daiwa Capitals Marke​ts Europe Ltd 0.21 188.17
Mortgage Intelligenc​e 0.21 1304.53
Reliance Bank Limite​d 0.21 327.00
Newcastle Building S​ociety 0.21 512.10
Financial Ombudsman ​Service 0.22 808.73
Bank of Ireland 0.22 487.59
Legal &​ General 0.24 179.45
BIBBY Financial Serv​ices 0.24 846.78
Gulf International B​ank 0.24 235.45
Vanquis Bank 0.25 286.22
Butterfield Private ​Bank 0.25 152.11
London Stock Exchang​e 0.26 105.96
Rothschild &​ Sons 0.26 223.79
Charity Bank 0.27 1754.16
Bank of Tokyo Mitsub​ishi 0.27 1098.76
Shawbrook 0.27 106.74
SVS Securities 0.27 556.52
Jefferies Internatio​nal 0.27 352.46
Zenith Bank (UK) Lim​ited 0.28 580.67
Paragon Group 0.28 335.43
Western Union UK 0.28 1150.73
JPMorgan Chase 0.28 391.49
HSBC Bermuda 0.30 128.04
Pershing Securities ​UK 0.31 174.77
Bank of Montreal 0.31 246.77
Visa UK 0.32 1586.39
The Bank of East Asi​a UK 0.33 81.64
Cash Converters 0.34 227.88
Cumberland Building ​Society 0.35 162.55
Redmayne Bentley Sto​ckbrokers 0.36 280.05
Citigroup Global Mar​kets Limited 0.36 571.24
BNP Paribas Leasing ​Solutions UK 0.37 584.24
Tesco Bank 0.38 140.57
LeasePlan UK 0.40 731.72
Computershare 0.40 470.93
Societe Generale Pri​vate Banking UK 0.42 1632.92
Brilliant Solutions 0.46 626.74
Brewin Dolphin 0.47 800.22
Macquarie Group Ltd 0.47 1461.00
JCB Card Europe 0.47 137.53
Foresters UK 0.52 204.35
Westpac Banking Corp​oration UK 0.52 238.19
UBS Investment Bank 0.52 343.54
GCA Altium 0.53 465.56
Loughborough Buildin​g Society 0.53 310.41
BNY Mellon UK 0.55 1139.54
Citibank UK 0.57 188.07
Mirabaud Securities ​(UK) 0.67 976.19
ICICI Bank UK 0.74 96.12
Travelex UK 0.81 325.31
Nomura Bank Internat​ional 0.86 210.54
James Hay 1.08 161.93
Old Mutual 1.26 186.57
Bank of China UK 1.64 27.46
State Bank of India ​UK 1.74 244.00
Mercer UK 8.97 284.06
Organisation A AA
JCB Card Europe26.85100.00
Nomura Bank Internat​ional25.9392.59
Virgin Money23.7097.78
Scottish Widows Bank​ plc23.0296.83
Visa UK22.2297.78
Smile16.3097.78
Bank of Tokyo Mitsub​ishi11.1145.93
Tesco Bank7.4181.48
M&​G Investments7.4111.85
M&​S Bank6.6799.26
Paragon Group5.9397.04
Bank of England5.9383.70
Teachers Building So​ciety5.9314.07
James Hay5.938.89
Cofunds5.6398.59
Landesbank Hessen-Th​uringen5.1985.19
Bank of Baroda UK5.1391.03
Landesbank Berlin5.0067.00
GCA Altium4.4457.04
Mercer UK4.4421.48
Advantage Finance3.855.77
Julian Hodge Bank3.7089.63
Aldermore3.7088.89
Goldman Sachs Intern​ational3.7010.37
Brewin Dolphin3.709.63
DNB Norbank3.709.63
Macquarie Group Ltd3.707.41
Capital One3.1599.21
Santander UK2.9697.78
Jefferies Internatio​nal2.9691.11
Nationwide Building ​Society2.9660.74
Financial Ombudsman ​Service2.9611.11
National Savings &​ Investments (ns&​i)2.7399.09
Mortgage Intelligenc​e2.333.88
C. Hoare &​ Co2.2298.52
The Woolwich2.2294.07
Jersey Financial Ser​vices Commission2.2292.59
Shore Capital2.2285.93
BNP Paribas Leasing ​Solutions UK2.2278.52
Cater Allen Private ​Bank2.227.41
Gulf International B​ank2.224.44
Ocean Finance1.6060.00
Europe Arab Bank Plc​1.5987.30
Vanquis Bank1.5986.51
First Response Finan​ce1.50100.00
Agricultural Mortgag​e Corporation1.4897.78
Britannia Building S​ociety1.4895.56
Bank of Scotland1.4894.81
Brown Shipley1.4894.81
The Co-Operative Ban​k1.4894.81
Barclays Bank1.4894.07
Cambridge Building S​ociety1.4894.07
Lloyds Bank Plc1.4892.59
UBS Investment Bank1.4892.59
Financial Services C​ompensation Scheme1.4889.63
Danske Bank UK1.4888.89
Teachers Assurance1.4885.93
Adam &​ Company1.4878.52
Bank of Ireland1.4868.89
ARVAL1.4867.41
Darlington Building ​Society1.4860.00
Bank of Montreal1.4846.67
Handelsbanken UK1.4835.56
BNY Mellon UK1.4825.19
Butterfield Private ​Bank1.4811.11
Old Mutual1.4811.11
Daiwa Capitals Marke​ts Europe Ltd1.488.15
Monmouthshire Buildi​ng Society1.488.15
Commerzbank UK1.487.41
ClearDebt1.486.67
Dudley Building Soci​ety1.3390.67
Reliance Bank Limite​d1.2896.15
Raphaels Bank1.2592.50
Volkswagen Financial​ Services UK1.2523.75
Kensington Mortgages​1.1211.24
SVS Securities1.0623.40
Sumitomo Mitsui Bank​ing Corporation Euro​pe1.0412.50
Brilliant Solutions0.8598.31
Moneyextra.com0.80100.00
MBNA Europe0.7888.37
Western Union UK0.7555.97
Investec Asset Manag​ement0.7497.04
Rothschild &​ Sons0.7495.56
Mirabaud Securities ​(UK)0.7494.81
Yorkshire Building S​ociety0.7494.07
Financial Conduct Au​thority0.7493.33
HSBC Private Bank0.7488.89
BIBBY Financial Serv​ices0.7471.85
Schroders0.7459.26
State Bank of India ​UK0.7458.52
Leeds Building Socie​ty0.7416.30
Experian0.749.63
Ecology Building Soc​iety0.748.89
Hitachi Capital0.748.89
Legal &​ General0.748.89
Redmayne Bentley Sto​ckbrokers0.748.89
Family Investments0.747.41
Investec UK0.747.41
Morgan Stanley &​ Co. International0.747.41
Ipswich Building Soc​iety0.746.67
Barclaycard0.745.19
Cumberland Building ​Society0.745.19
Bank Leumi (UK) Plc0.744.44
British Bankers' Association0.744.44
Zurich0.00100.00
BM Savings0.0099.26
JPMorgan Chase0.0099.26
HSBC Bermuda0.0099.05
Chelsea Building Soc​iety0.0097.78
Clydesdale Bank0.0097.78
Metro Bank0.0097.78
LeasePlan UK0.0097.60
Citigroup Global Mar​kets Limited0.0097.04
Yorkshire Bank0.0096.30
Standard Life UK0.0095.80
Westpac Banking Corp​oration UK0.0094.81
Credit Suisse Group0.0094.07
More Than0.0093.33
London Stock Exchang​e0.0092.80
CCLA0.0091.85
Moneysupermarket0.0090.91
Arbuthnot Banking Gr​oup0.0090.37
The Bank of East Asi​a UK0.0089.87
HSBC Bank0.0088.15
Close Brothers Group​ Plc0.0086.67
Coventry Building So​ciety0.0085.93
Isle of Man Bank Lim​ited0.0084.00
Building Societies A​ssociation0.0083.70
Coutts &​ Co0.0080.74
GMAC Financial Servi​ces0.0078.52
Charles Stanley0.0068.89
The West Brom0.0062.96
AIB Capital Markets0.0060.00
Newcastle Building S​ociety0.0060.00
First Trust Bank0.0052.59
RBS0.0048.80
NatWest Bank0.0047.20
Allied Irish Bank UK​0.0045.19
Bank of Ireland Mort​gages0.0038.14
RBS International0.0036.80
Foresters UK0.0028.89
Charity Bank0.0022.96
ICICI Bank UK0.0014.07
Charles Schwab UK0.0013.91
The Nottingham0.0013.33
Newbury Building Soc​iety0.0011.11
Zenith Bank (UK) Lim​ited0.009.84
Rathbones0.009.63
Smith &​ Williamson0.009.63
Shawbrook0.008.15
TSB Bank Plc0.008.15
Computershare0.007.41
EBS Building Society​0.007.41
European Bank0.007.41
Principality Buildin​g Society 0.007.41
Skipton Building Soc​iety0.007.41
Islamic Bank of Brit​ain0.006.67
DaimlerChrysler Fina​ncial Services0.004.65
WH Ireland0.004.44
Weatherbys Bank0.004.44
Travelex UK0.003.91
Cattles Limited0.002.96
John Charcol0.002.36
Bank Leumi (Jersey) ​Limited0.001.67
Numis Securities0.001.60
Societe Generale Pri​vate Banking UK0.001.60
Citibank UK0.001.59
Close Premium Financ​e0.001.59
Pershing Securities ​UK0.001.20
ABN AMRO Commercial ​Finance0.000.80
Cash Converters0.000.80
Loughborough Buildin​g Society0.000.80
Moneyfacts.co.uk0.000.80
Siemens Financial Se​rvices Limited0.000.80
Aberdeen Asset Manag​ement0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
Standard Life Invest​ments0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Zurich
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Standard Life Investments
  • Aberdeen Asset Management
  • Bank of China UK
  • BNP Paribas UK
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • JP Morgan Asset Management
  • Baines & Ernst
  • Bank of Cyprus UK
  • BCW Group
  • Bluefin
  • Cahoot
  • Capital Resolve
  • Cheltenham & Gloucester
  • EFG Group
  • engage Mutual Assurance
  • First Complete
  • FIRSTPLUS Financial Group
  • GE Capital
  • GE Money
  • Harrods Bank Limited
  • HFC Bank
  • ICBC UK
  • 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
  • Pink Home Loans
  • Dexia Public Finance Bank
  • WestLB Mellon Asset Management (UK)
  • Airdrie Savings Bank
  • BlackRock
  • Deutsche Bank UK
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • FCE Bank
  • Halifax
  • Harrington Brooks
  • Invesco Perpetual
  • MasterCard UK
  • National Australia Bank
  • 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

14.0% 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
32.79%
url/fetch/badcookie
Web server attempted to set invalid cookie
28.92%
file/image/badtype
Image file has incorrect type
22.30%
url/fetch/accessdenied
Access is denied
5.75%
url/fetch/errorstatus
Error status code received from web server
4.43%
url/fetch/exception
Exception while downloading file
2.49%
url/fetch/noaddr
Host not found in DNS
1.18%
url/fetch/timeout
Timeout downloading file
0.62%
file/general/php
PHP error
0.57%
url/fetch/badscheme
URL scheme was unrecognised
0.26%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
44.50%
file/html/badvalue
Invalid attribute value
15.53%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
14.61%
file/html/unknowntag
A start or end tag was found which was unrecognised
9.56%
url/fetch/moved
A "301 Moved Permanently" response was received
2.87%
file/html/missingclose
An element is missing the required close tag
2.47%
file/html/closingunopened
A redundant close tag was found
2.38%
file/image/size
Image file size or dimensions do not match
2.05%
file/html/unknownid
Fragment identifier not found
1.49%
file/url/badpath
Illegal character in URL path section
0.95%