2020 Q4/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    05 Oct 2020

  • Total URLs tested:

    289,086

  • Total tests run:

    93,989,064

  • Total number of PDF's:

    1,389

  • URLs failing functional tests:

    5.64%

  • Pages failing code standards:

    91.61%

  • Pages missing a title:

    2.20%

  • Pages failing accessibility level A:

    98.14%

  • Pages failing accessibility level AA:

    55.49%

  • Poorest code quality:

    DNB Norbank (https://www.dnb.no/) - 55,255 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 0.03 90.67
Smile 0.04 340.67
Barclays Bank 0.04 1291.67
Clydesdale Bank 0.04 177.52
Darlington Building ​Society 0.04 290.84
Yorkshire Bank 0.05 163.07
BM Savings 0.05 76.92
The Woolwich 0.05 1423.31
National Savings &​ Investments (ns&​i) 0.05 1453.05
Barclaycard 0.06 907.84
Teachers Building So​ciety 0.06 4132.74
M&​S Bank 0.06 427.16
Dudley Building Soci​ety 0.06 277.05
Europe Arab Bank Plc​ 0.06 642.35
ARVAL 0.06 679.24
C. Hoare &​ Co 0.06 337.48
The Co-Operative Ban​k 0.07 320.63
Britannia Building S​ociety 0.07 307.02
Agricultural Mortgag​e Corporation 0.07 268.45
More Than 0.07 188.39
Santander UK 0.07 263.92
Coventry Building So​ciety 0.07 223.21
Close Brothers Group​ Plc 0.07 447.38
The West Brom 0.07 242.33
Scottish Widows Bank​ plc 0.07 468.40
Volkswagen Financial​ Services UK 0.07 858.68
Kensington Mortgages​ 0.08 893.09
Cambridge Building S​ociety 0.08 418.91
Bank Leumi (UK) Plc 0.08 134.33
Leeds Building Socie​ty 0.08 154.69
British Bankers' Association 0.08 193.47
Ocean Finance 0.08 647.16
First Response Finan​ce 0.08 1090.20
Close Premium Financ​e 0.08 396.86
Hitachi Capital 0.08 1003.03
Smith &​ Williamson 0.09 224.01
DNB Norbank 0.09 56.01
Shore Capital 0.09 1172.50
Landesbank Berlin 0.09 218.64
HSBC Private Bank 0.09 221.87
MBNA Europe 0.09 319.85
John Charcol 0.09 391.52
Bank of Baroda UK 0.09 316.38
European Bank 0.09 298.62
Virgin Money 0.09 435.37
Metro Bank 0.10 835.44
Halifax 0.10 209.69
Moneyfacts.co.uk 0.10 68.13
Monmouthshire Buildi​ng Society 0.10 193.78
Investec UK 0.10 1325.16
M&​G Investments 0.10 247.69
Morgan Stanley &​ Co. International 0.10 2485.96
Rathbones 0.10 437.66
Lloyds Bank Plc 0.10 272.15
DaimlerChrysler Fina​ncial Services 0.10 447.28
Advantage Finance 0.11 323.31
Nationwide Building ​Society 0.11 244.08
Bank of Scotland 0.11 267.45
Chelsea Building Soc​iety 0.11 103.46
Moneysupermarket 0.11 179.55
Coutts &​ Co 0.11 2128.28
GMAC Financial Servi​ces 0.12 619.62
Societe Generale Pri​vate Banking UK 0.12 1904.37
Ipswich Building Soc​iety 0.12 503.95
Moneyextra.com 0.12 357.70
Weatherbys Bank 0.12 509.62
Capital One 0.12 546.09
Cattles Limited 0.12 293.28
Siemens Financial Se​rvices Limited 0.12 818.34
Arbuthnot Banking Gr​oup 0.12 209.12
Cater Allen Private ​Bank 0.12 680.69
Yorkshire Building S​ociety 0.13 432.77
Standard Life UK 0.13 188.92
Aldermore 0.13 212.67
Adam &​ Company 0.13 4438.92
Credit Suisse Group 0.13 258.63
Julian Hodge Bank 0.14 367.12
Commerzbank UK 0.14 1527.88
Danske Bank UK 0.14 161.14
Family Investments 0.14 371.62
Experian 0.14 638.84
London Stock Exchang​e 0.14 178.32
Old Mutual 0.14 34.64
Ecology Building Soc​iety 0.14 1134.48
Tesco Bank 0.14 199.66
Islamic Bank of Brit​ain 0.14 163.12
Teachers Assurance 0.14 444.83
Schroders 0.14 1344.12
Handelsbanken UK 0.14 571.87
Northern Trust 0.15 1709.00
BNP Paribas UK 0.15 96.10
Jersey Financial Ser​vices Commission 0.15 147.54
Financial Services C​ompensation Scheme 0.15 559.65
First Trust Bank 0.16 372.41
Landesbank Hessen-Th​uringen 0.16 4138.09
ABN AMRO Commercial ​Finance 0.16 303.36
Secure Trust Bank Pl​c 0.16 698.89
HSBC Bank 0.16 267.93
The Nottingham 0.17 171.50
Newcastle Building S​ociety 0.17 452.89
Bank of Tokyo Mitsub​ishi 0.17 1177.65
EBS Building Society​ 0.17 697.76
Bank of England 0.18 1583.40
Legal &​ General 0.18 172.83
Isle of Man Bank Lim​ited 0.18 256.01
Cofunds 0.18 727.05
Building Societies A​ssociation 0.18 473.47
RBS International 0.18 490.96
Bank of Ireland Mort​gages 0.18 280.30
Numis Securities 0.18 434.06
RBS 0.18 418.67
Paragon Group 0.19 368.00
Gulf International B​ank 0.19 178.71
Citibank UK 0.19 371.37
WH Ireland 0.19 1181.36
NatWest Bank 0.19 558.98
Principality Buildin​g Society 0.20 465.77
AIB Capital Markets 0.20 515.14
Brown Shipley 0.20 2135.34
Bank of Ireland 0.21 517.87
Skipton Building Soc​iety 0.21 213.19
Financial Conduct Au​thority 0.21 287.44
Cash Converters 0.21 224.07
Visa UK 0.21 1997.86
Rothschild &​ Sons 0.22 200.17
Mortgage Intelligenc​e 0.22 1223.37
Shawbrook 0.22 136.63
Daiwa Capitals Marke​ts Europe Ltd 0.22 303.51
CCLA 0.22 431.19
Western Union UK 0.22 1223.67
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.23 212.59
Goldman Sachs Intern​ational 0.23 673.51
Newbury Building Soc​iety 0.23 112.61
Vanquis Bank 0.23 310.36
Redmayne Bentley Sto​ckbrokers 0.23 290.04
ClearDebt 0.24 298.33
BIBBY Financial Serv​ices 0.24 828.05
Financial Ombudsman ​Service 0.25 855.53
Bank Leumi (Jersey) ​Limited 0.26 1.57
Aberdeen Asset Manag​ement 0.26 251.44
Zenith Bank (UK) Lim​ited 0.26 620.57
Investec Asset Manag​ement 0.27 483.22
Charity Bank 0.27 1977.23
Cumberland Building ​Society 0.27 145.07
Standard Life Invest​ments 0.27 180.84
Allied Irish Bank UK​ 0.27 344.98
Charles Stanley 0.28 218.59
Macquarie Group Ltd 0.28 1685.59
HSBC Bermuda 0.30 134.88
Citigroup Global Mar​kets Limited 0.30 494.16
Pershing Securities ​UK 0.31 157.42
The Bank of East Asi​a UK 0.31 78.99
Brewin Dolphin 0.34 537.89
Jefferies Internatio​nal 0.36 374.14
BNY Mellon UK 0.36 1482.97
Computershare 0.40 678.25
GCA Altium 0.41 314.73
Mirabaud Securities ​(UK) 0.43 1321.41
Charles Schwab UK 0.44 175.74
UBS Investment Bank 0.45 278.58
LeasePlan UK 0.45 960.22
JCB Card Europe 0.47 135.09
Loughborough Buildin​g Society 0.48 265.57
Foresters UK 0.53 241.40
Travelex UK 0.55 294.07
Butterfield Private ​Bank 0.56 159.97
Westpac Banking Corp​oration UK 0.57 180.12
SVS Securities 0.59 460.12
Brilliant Solutions 0.59 773.64
Bank of China UK 0.65 35.28
James Hay 0.78 172.45
Reliance Bank Limite​d 0.78 296.52
BNP Paribas Leasing ​Solutions UK 0.79 684.16
JPMorgan Chase 0.81 466.09
Nomura Bank Internat​ional 0.84 181.01
ICICI Bank UK 0.99 75.44
State Bank of India ​UK 1.93 376.36
Organisation A AA
Nomura Bank Internat​ional28.1592.59
Scottish Widows Bank​ plc24.6097.62
JCB Card Europe22.12100.00
Visa UK17.0497.78
Smile17.0411.11
Bank of Tokyo Mitsub​ishi8.8941.48
Landesbank Hessen-Th​uringen7.4182.96
Teachers Building So​ciety7.412.96
M&​G Investments6.6710.37
Cofunds6.3398.73
Landesbank Berlin6.0068.00
Numis Securities5.9364.44
Santander UK5.1996.30
Metro Bank5.1993.33
Julian Hodge Bank5.1988.89
Tesco Bank5.1979.26
BNP Paribas Leasing ​Solutions UK5.1977.04
Nationwide Building ​Society5.1962.22
James Hay5.198.15
Virgin Money4.4499.26
Agricultural Mortgag​e Corporation4.4497.78
M&​S Bank4.4497.04
Rothschild &​ Sons4.4496.30
Paragon Group4.447.41
JPMorgan Chase4.446.67
Financial Conduct Au​thority3.7088.89
Bank of England3.7079.26
DNB Norbank3.709.63
Barclays Bank2.9695.56
Coventry Building So​ciety2.9677.04
Goldman Sachs Intern​ational2.969.63
Jefferies Internatio​nal2.967.41
ClearDebt2.963.70
Mortgage Intelligenc​e2.342.34
National Savings &​ Investments (ns&​i)2.22100.00
Arbuthnot Banking Gr​oup2.2291.11
Adam &​ Company2.2282.22
Butterfield Private ​Bank2.2213.33
The Nottingham2.2213.33
Aldermore2.227.41
Macquarie Group Ltd2.227.41
Commerzbank UK2.225.93
Bank of Scotland2.225.19
Advantage Finance1.853.70
Dudley Building Soci​ety1.8397.25
Zenith Bank (UK) Lim​ited1.6710.00
MBNA Europe1.543.08
C. Hoare &​ Co1.4897.78
Financial Services C​ompensation Scheme1.4890.37
Shore Capital1.4886.67
Citigroup Global Mar​kets Limited1.4882.22
ARVAL1.4871.11
Darlington Building ​Society1.4864.44
Handelsbanken UK1.4834.07
BNY Mellon UK1.4825.93
The Co-Operative Ban​k1.4821.48
Leeds Building Socie​ty1.489.63
Cater Allen Private ​Bank1.486.67
European Bank1.485.19
Gulf International B​ank1.484.44
Hitachi Capital1.484.44
The Bank of East Asi​a UK1.2789.87
Volkswagen Financial​ Services UK1.2712.66
SVS Securities1.0623.40
Sumitomo Mitsui Bank​ing Corporation Euro​pe0.9711.65
Moneyextra.com0.80100.00
Ocean Finance0.8070.40
Northern Trust0.7999.21
Vanquis Bank0.7986.51
First Response Finan​ce0.77100.00
GCA Altium0.770.77
Capital One0.76100.00
Jersey Financial Ser​vices Commission0.7498.52
Barclaycard0.7495.56
Investec Asset Manag​ement0.7495.56
Yorkshire Building S​ociety0.7495.56
Credit Suisse Group0.7494.81
Brown Shipley0.7494.07
The Woolwich0.7490.37
Close Brothers Group​ Plc0.7488.89
HSBC Private Bank0.7486.67
Building Societies A​ssociation0.7482.96
Brilliant Solutions0.7469.63
Bank of Ireland0.7467.41
Teachers Assurance0.7456.30
Britannia Building S​ociety0.7422.96
Financial Ombudsman ​Service0.7412.59
Morgan Stanley &​ Co. International0.748.89
Daiwa Capitals Marke​ts Europe Ltd0.748.15
Ecology Building Soc​iety0.748.15
Experian0.748.15
Coutts &​ Co0.747.41
Family Investments0.747.41
Investec UK0.747.41
Lloyds Bank Plc0.747.41
Citibank UK0.746.67
Halifax0.746.67
Bank Leumi (UK) Plc0.745.19
Cumberland Building ​Society0.745.19
Principality Buildin​g Society 0.745.19
British Bankers' Association0.744.44
WH Ireland0.742.22
Zurich0.00100.00
BM Savings0.0099.26
Reliance Bank Limite​d0.0097.44
Clydesdale Bank0.0097.04
Chelsea Building Soc​iety0.0096.30
Foresters UK0.0095.56
Cambridge Building S​ociety0.0094.07
Yorkshire Bank0.0094.07
Secure Trust Bank Pl​c0.0093.60
Westpac Banking Corp​oration UK0.0093.33
CCLA0.0092.59
Mirabaud Securities ​(UK)0.0092.59
LeasePlan UK0.0092.00
More Than0.0091.85
Old Mutual0.0090.40
State Bank of India ​UK0.0090.37
HSBC Bermuda0.0088.52
Bank of Baroda UK0.0087.69
Europe Arab Bank Plc​0.0087.50
HSBC Bank0.0086.67
Isle of Man Bank Lim​ited0.0084.00
London Stock Exchang​e0.0082.40
Monmouthshire Buildi​ng Society0.0077.04
GMAC Financial Servi​ces0.0073.33
Newcastle Building S​ociety0.0068.89
The West Brom0.0063.70
Schroders0.0058.52
RBS0.0049.60
UBS Investment Bank0.0048.89
Moneysupermarket0.0046.21
NatWest Bank0.0044.00
Bank of Ireland Mort​gages0.0038.14
RBS International0.0036.51
Charles Schwab UK0.0014.16
ICICI Bank UK0.0012.59
Danske Bank UK0.0011.85
Western Union UK0.0010.77
Kensington Mortgages​0.009.01
BIBBY Financial Serv​ices0.008.15
Ipswich Building Soc​iety0.008.15
Legal &​ General0.008.15
Redmayne Bentley Sto​ckbrokers0.008.15
Shawbrook0.008.15
Skipton Building Soc​iety0.008.15
Charity Bank0.007.41
Computershare0.007.41
Charles Stanley0.006.67
EBS Building Society​0.006.67
Brewin Dolphin0.005.93
Islamic Bank of Brit​ain0.005.93
Rathbones0.005.93
AIB Capital Markets0.005.19
Allied Irish Bank UK​0.005.19
Smith &​ Williamson0.005.19
Weatherbys Bank0.005.19
Standard Life UK0.004.80
First Trust Bank0.004.44
Newbury Building Soc​iety0.003.88
DaimlerChrysler Fina​ncial Services0.003.85
Cattles Limited0.003.70
John Charcol0.002.36
Bank Leumi (Jersey) ​Limited0.001.71
Aberdeen Asset Manag​ement0.001.60
Standard Life Invest​ments0.001.60
Travelex UK0.001.57
Cash Converters0.000.80
Societe Generale Pri​vate Banking UK0.000.80
Close Premium Financ​e0.000.79
ABN AMRO Commercial ​Finance0.000.00
BNP Paribas UK0.000.00
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.

  • GCA Altium
  • Zurich
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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
  • BNP Paribas 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
  • 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
  • Bank of Montreal
  • Deutsche Bank UK
  • Debt Free Direct Group
  • Diners Club
  • Duncan Lawrie Bank
  • FCE Bank
  • Harrington Brooks
  • Invesco Perpetual
  • MasterCard UK
  • National Australia Bank
  • Quick Quid
  • Rabobank International
  • Raphaels Bank
  • Sainsbury's Bank
  • Standard Chartered Bank UK
  • The Loans Engine
  • The Money Shop
  • TSB Bank Plc
  • Mercer UK
  • Ulster Bank
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PDF testing

16.0% 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/badcookie
Web server attempted to set invalid cookie
31.98%
url/fetch/notfound
File not found
28.34%
file/image/badtype
Image file has incorrect type
21.40%
url/fetch/errorstatus
Error status code received from web server
5.32%
url/fetch/exception
Exception while downloading file
3.86%
url/fetch/connref
Connection refused by server
2.78%
url/fetch/accessdenied
Access is denied
2.72%
url/fetch/noaddr
Host not found in DNS
1.14%
url/fetch/timeout
Timeout downloading file
0.88%
file/general/php
PHP error
0.48%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
41.24%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.89%
file/html/unknowntag
A start or end tag was found which was unrecognised
14.52%
file/html/badvalue
Invalid attribute value
11.19%
file/html/missingclose
An element is missing the required close tag
2.79%
url/fetch/moved
A "301 Moved Permanently" response was received
2.76%
file/html/closingunopened
A redundant close tag was found
2.46%
file/image/size
Image file size or dimensions do not match
2.31%
file/html/unknownid
Fragment identifier not found
1.58%
file/url/badpath
Illegal character in URL path section
1.40%