2021 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    05 Jan 2021

  • Total URLs tested:

    292,212

  • Total tests run:

    95,006,210

  • Total number of PDF's:

    1,435

  • URLs failing functional tests:

    5.98%

  • Pages failing code standards:

    91.38%

  • Pages missing a title:

    2.00%

  • Pages failing accessibility level A:

    98.06%

  • Pages failing accessibility level AA:

    52.67%

  • Poorest code quality:

    London Stock Exchange (http://www.londonstockexchange.com/) - 48,867 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 0.03 168.40
Yorkshire Bank 0.03 173.45
Isle of Man Bank Lim​ited 0.03 222.39
Barclaycard 0.04 1166.98
Zurich 0.04 114.95
HSBC Private Bank 0.04 167.93
Europe Arab Bank Plc​ 0.04 718.94
HSBC Bank 0.04 257.30
Moneyfacts.co.uk 0.04 48.71
Scottish Widows Bank​ plc 0.05 304.71
National Savings &​ Investments (ns&​i) 0.05 1490.20
Smile 0.05 314.12
RBS International 0.05 261.54
Bank of Baroda UK 0.05 360.14
Barclays Bank 0.05 1133.33
Darlington Building ​Society 0.05 358.51
The Woolwich 0.05 1185.20
M&​S Bank 0.05 437.39
NatWest Bank 0.05 291.23
Teachers Building So​ciety 0.06 3439.65
Santander UK 0.06 271.97
Agricultural Mortgag​e Corporation 0.06 368.08
Shore Capital 0.06 1545.64
Tesco Bank 0.06 432.27
The Co-Operative Ban​k 0.06 257.36
Britannia Building S​ociety 0.07 250.84
Cambridge Building S​ociety 0.07 401.45
BM Savings 0.07 89.07
WH Ireland 0.07 1093.49
Capital One 0.07 452.57
Close Brothers Group​ Plc 0.07 496.09
MBNA Europe 0.07 272.52
Leeds Building Socie​ty 0.08 161.25
Close Premium Financ​e 0.08 486.29
Volkswagen Financial​ Services UK 0.08 579.23
Bank Leumi (UK) Plc 0.08 150.26
Coventry Building So​ciety 0.08 239.29
RBS 0.08 263.16
Dudley Building Soci​ety 0.08 339.45
M&​G Investments 0.08 309.90
British Bankers' Association 0.08 148.41
Bank of Scotland 0.08 249.33
Halifax 0.09 176.72
First Response Finan​ce 0.09 1062.43
C. Hoare &​ Co 0.09 388.02
Kensington Mortgages​ 0.09 772.84
Old Mutual 0.09 37.07
DaimlerChrysler Fina​ncial Services 0.09 395.41
Metro Bank 0.09 834.83
Landesbank Berlin 0.09 374.22
Ocean Finance 0.09 692.15
Investec UK 0.09 1298.00
Siemens Financial Se​rvices Limited 0.09 803.33
The West Brom 0.10 246.49
Smith &​ Williamson 0.10 251.11
Chelsea Building Soc​iety 0.10 84.59
Rathbones 0.10 510.08
Hitachi Capital 0.10 1096.51
Virgin Money 0.10 483.47
Yorkshire Building S​ociety 0.10 446.33
Monmouthshire Buildi​ng Society 0.10 120.81
Charles Stanley 0.11 209.04
BNP Paribas UK 0.11 112.45
Moneysupermarket 0.11 203.01
Ipswich Building Soc​iety 0.11 557.20
Commerzbank UK 0.12 1480.37
Nationwide Building ​Society 0.12 246.00
Macquarie Group Ltd 0.12 1237.27
Secure Trust Bank Pl​c 0.12 724.91
Experian 0.12 528.92
Cattles Limited 0.12 180.69
Family Investments 0.12 458.91
Standard Life UK 0.12 207.83
Islamic Bank of Brit​ain 0.12 201.46
Cater Allen Private ​Bank 0.12 672.14
Moneyextra.com 0.12 340.33
Adam &​ Company 0.12 497.39
John Charcol 0.13 373.40
Morgan Stanley &​ Co. International 0.13 2569.74
GMAC Financial Servi​ces 0.13 500.83
Landesbank Hessen-Th​uringen 0.13 5282.32
Aldermore 0.14 199.20
DNB Norbank 0.14 111.97
Bank of England 0.14 1768.78
Arbuthnot Banking Gr​oup 0.14 256.17
Handelsbanken UK 0.14 1408.86
Principality Buildin​g Society 0.14 456.67
Danske Bank UK 0.14 190.06
Julian Hodge Bank 0.15 253.91
James Hay 0.15 254.84
Redmayne Bentley Sto​ckbrokers 0.15 219.42
Pershing Securities ​UK 0.15 185.73
Ecology Building Soc​iety 0.15 930.07
More Than 0.15 124.63
Brown Shipley 0.15 2876.23
Newcastle Building S​ociety 0.15 548.90
European Bank 0.16 176.01
ABN AMRO Commercial ​Finance 0.16 319.48
Weatherbys Bank 0.16 475.22
Numis Securities 0.16 326.41
EBS Building Society​ 0.16 730.21
London Stock Exchang​e 0.16 146.71
First Trust Bank 0.16 448.59
Building Societies A​ssociation 0.16 537.03
Rothschild &​ Sons 0.17 245.54
Allied Irish Bank UK​ 0.17 473.47
Skipton Building Soc​iety 0.17 141.18
Legal &​ General 0.17 184.10
Lloyds Bank Plc 0.18 285.34
The Nottingham 0.18 204.35
Visa UK 0.18 2631.60
Jersey Financial Ser​vices Commission 0.18 139.51
Western Union UK 0.18 1006.14
Coutts &​ Co 0.18 5323.49
Bank of Ireland Mort​gages 0.19 280.61
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.19 222.78
Newbury Building Soc​iety 0.19 154.41
Goldman Sachs Intern​ational 0.19 578.74
Teachers Assurance 0.20 423.86
Gulf International B​ank 0.20 236.80
Financial Services C​ompensation Scheme 0.20 505.74
Bank of Tokyo Mitsub​ishi 0.21 1192.97
Bank of Ireland 0.22 523.88
AIB Capital Markets 0.22 449.03
Paragon Group 0.22 276.03
Financial Ombudsman ​Service 0.22 633.54
Mortgage Intelligenc​e 0.23 171.54
CCLA 0.23 433.88
HSBC Bermuda 0.23 131.19
Citibank UK 0.23 354.12
Shawbrook 0.24 291.87
Loughborough Buildin​g Society 0.24 639.90
Cofunds 0.24 742.70
Cash Converters 0.24 217.73
Financial Conduct Au​thority 0.24 349.08
ClearDebt 0.26 263.50
Vanquis Bank 0.27 336.64
Schroders 0.27 1432.46
Mirabaud Securities ​(UK) 0.27 1105.85
Societe Generale Pri​vate Banking UK 0.27 1889.23
Charity Bank 0.28 2025.23
Investec Asset Manag​ement 0.28 550.08
Credit Suisse Group 0.28 308.06
Zenith Bank (UK) Lim​ited 0.29 488.20
The Bank of East Asi​a UK 0.30 89.74
Cumberland Building ​Society 0.31 152.02
Brewin Dolphin 0.32 307.78
Jefferies Internatio​nal 0.33 437.91
UBS Investment Bank 0.35 306.12
Reliance Bank Limite​d 0.36 289.92
SVS Securities 0.37 486.32
LeasePlan UK 0.38 830.91
Daiwa Capitals Marke​ts Europe Ltd 0.41 225.57
JCB Card Europe 0.43 151.52
FCE Bank 0.44 60.69
Aberdeen Asset Manag​ement 0.44 216.14
Brilliant Solutions 0.45 520.33
BNY Mellon UK 0.46 1322.74
Standard Life Invest​ments 0.46 172.06
Citigroup Global Mar​kets Limited 0.46 809.55
Westpac Banking Corp​oration UK 0.50 204.28
Foresters UK 0.51 236.19
GCA Altium 0.53 487.43
Travelex UK 0.57 347.31
ICICI Bank UK 0.58 69.68
Butterfield Private ​Bank 0.58 142.87
JPMorgan Chase 0.60 867.24
Computershare 0.62 453.38
Charles Schwab UK 0.78 211.67
Bank of China UK 0.84 26.97
Nomura Bank Internat​ional 0.86 202.18
BNP Paribas Leasing ​Solutions UK 0.86 649.52
ARVAL 0.96 373.64
State Bank of India ​UK 3.14 239.13
Mercer UK 8.79 305.05
Organisation A AA
Visa UK24.4497.78
Scottish Widows Bank​ plc23.0296.83
JCB Card Europe22.12100.00
Nomura Bank Internat​ional20.0092.59
Smile16.3012.59
Bank of Tokyo Mitsub​ishi11.8545.19
Cofunds8.75100.00
M&​S Bank7.4197.04
Bank of England7.4183.70
Landesbank Hessen-Th​uringen7.4183.70
M&​G Investments6.679.63
Tesco Bank6.678.15
James Hay6.677.41
Numis Securities5.9378.52
Lloyds Bank Plc5.1993.33
Metro Bank5.1993.33
BNP Paribas Leasing ​Solutions UK5.1980.00
Zenith Bank (UK) Lim​ited5.0010.00
Halifax4.4498.52
Rothschild &​ Sons4.4498.52
Santander UK4.4497.04
Family Investments4.447.41
JPMorgan Chase4.447.41
Adam &​ Company3.7082.22
DNB Norbank3.7034.81
Mercer UK3.7022.96
Teachers Building So​ciety3.702.96
GCA Altium3.010.75
National Savings &​ Investments (ns&​i)2.96100.00
Capital One2.9699.26
Virgin Money2.9697.04
Yorkshire Building S​ociety2.9694.81
Financial Services C​ompensation Scheme2.9689.63
Financial Conduct Au​thority2.9687.41
Nationwide Building ​Society2.9661.48
HSBC Private Bank2.9647.41
Goldman Sachs Intern​ational2.968.89
ClearDebt2.964.44
Sumitomo Mitsui Bank​ing Corporation Euro​pe2.9111.65
Mortgage Intelligenc​e2.333.10
Barclaycard2.2295.56
Arbuthnot Banking Gr​oup2.2292.59
Shore Capital2.2291.11
Julian Hodge Bank2.2290.37
Jefferies Internatio​nal2.2211.11
Gulf International B​ank2.223.70
MBNA Europe1.5287.12
Agricultural Mortgag​e Corporation1.4897.78
C. Hoare &​ Co1.4897.04
The Woolwich1.4891.85
Brilliant Solutions1.4889.63
State Bank of India ​UK1.4889.63
Brown Shipley1.4885.93
ARVAL1.4879.26
Darlington Building ​Society1.4867.41
BNY Mellon UK1.4825.93
Handelsbanken UK1.4821.48
Financial Ombudsman ​Service1.4812.59
Leeds Building Socie​ty1.489.63
Aldermore1.487.41
Cater Allen Private ​Bank1.486.67
Ipswich Building Soc​iety1.486.67
Investec UK1.485.93
Weatherbys Bank1.485.93
Volkswagen Financial​ Services UK1.1911.90
SVS Securities1.0623.40
Landesbank Berlin1.0067.00
Vanquis Bank0.8585.59
RBS International0.8190.24
Moneyextra.com0.80100.00
First Response Finan​ce0.78100.00
Bank of Scotland0.7495.56
Chelsea Building Soc​iety0.7495.56
Citigroup Global Mar​kets Limited0.7495.56
Investec Asset Manag​ement0.7495.56
Foresters UK0.7494.07
UBS Investment Bank0.7493.33
Barclays Bank0.7492.59
Credit Suisse Group0.7490.37
Secure Trust Bank Pl​c0.7489.63
Close Brothers Group​ Plc0.7488.89
Building Societies A​ssociation0.7482.96
Coventry Building So​ciety0.7482.96
GMAC Financial Servi​ces0.7473.33
Bank of Ireland0.7469.63
NatWest Bank0.7448.15
Britannia Building S​ociety0.7420.00
The Co-Operative Ban​k0.7418.52
Experian0.7412.59
Legal &​ General0.7410.37
Charity Bank0.748.15
Computershare0.748.15
Ecology Building Soc​iety0.748.15
Shawbrook0.748.15
Bank Leumi (UK) Plc0.745.93
Paragon Group0.745.93
Commerzbank UK0.745.19
Cumberland Building ​Society0.745.19
Hitachi Capital0.745.19
British Bankers' Association0.744.44
Cattles Limited0.742.96
FCE Bank0.00100.00
Zurich0.00100.00
BM Savings0.0099.26
Dudley Building Soci​ety0.0098.28
Reliance Bank Limite​d0.0097.53
Loughborough Buildin​g Society0.0097.04
CCLA0.0096.30
Clydesdale Bank0.0096.30
Jersey Financial Ser​vices Commission0.0096.30
Mirabaud Securities ​(UK)0.0094.81
Westpac Banking Corp​oration UK0.0094.81
Yorkshire Bank0.0094.81
Cambridge Building S​ociety0.0094.07
LeasePlan UK0.0093.60
More Than0.0092.00
Europe Arab Bank Plc​0.0090.62
Bank of Baroda UK0.0090.41
Old Mutual0.0090.40
The Bank of East Asi​a UK0.0089.87
HSBC Bank0.0088.89
HSBC Bermuda0.0087.93
Isle of Man Bank Lim​ited0.0080.74
Monmouthshire Buildi​ng Society0.0076.30
Newcastle Building S​ociety0.0069.63
The West Brom0.0064.44
Teachers Assurance0.0059.26
Moneysupermarket0.0056.82
Schroders0.0055.56
RBS0.0052.59
Bank of Ireland Mort​gages0.0038.14
Ocean Finance0.0033.60
Newbury Building Soc​iety0.0019.26
ICICI Bank UK0.0012.59
The Nottingham0.0012.59
Danske Bank UK0.0011.85
Redmayne Bentley Sto​ckbrokers0.008.89
Principality Buildin​g Society 0.008.15
AIB Capital Markets0.007.41
Coutts &​ Co0.007.41
Daiwa Capitals Marke​ts Europe Ltd0.007.41
EBS Building Society​0.007.41
Citibank UK0.006.67
First Trust Bank0.006.67
Kensington Mortgages​0.006.67
Skipton Building Soc​iety0.006.67
Butterfield Private ​Bank0.006.30
Charles Stanley0.005.93
Islamic Bank of Brit​ain0.005.93
Smith &​ Williamson0.005.93
Western Union UK0.004.65
DaimlerChrysler Fina​ncial Services0.004.58
Allied Irish Bank UK​0.004.44
Brewin Dolphin0.004.44
Morgan Stanley &​ Co. International0.004.44
European Bank0.003.70
WH Ireland0.003.70
Rathbones0.002.96
John Charcol0.002.36
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
Standard Life UK0.000.80
Charles Schwab UK0.000.79
Close Premium Financ​e0.000.79
ABN AMRO Commercial ​Finance0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
London Stock Exchang​e0.000.00
Macquarie Group Ltd0.000.00
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.

  • Jersey Financial Services Commission
  • 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
  • London Stock Exchange
  • Macquarie Group Ltd
  • Moneyfacts.co.uk
  • Pershing Securities UK
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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
  • BIBBY Financial Services
  • 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
  • Bank Leumi (Jersey) Limited
  • 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
  • Harrington Brooks
  • Invesco Perpetual
  • MasterCard UK
  • National Australia Bank
  • Northern Trust
  • Quick Quid
  • Rabobank International
  • Raphaels Bank
  • Sainsbury's Bank
  • Standard Chartered Bank UK
  • The Loans Engine
  • The Money Shop
  • TSB Bank Plc
  • 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/notfound
File not found
31.91%
url/fetch/badcookie
Web server attempted to set invalid cookie
30.19%
file/image/badtype
Image file has incorrect type
21.16%
url/fetch/accessdenied
Access is denied
4.53%
url/fetch/errorstatus
Error status code received from web server
3.66%
url/fetch/connref
Connection refused by server
2.47%
url/fetch/exception
Exception while downloading file
2.37%
url/fetch/timeout
Timeout downloading file
1.14%
url/fetch/noaddr
Host not found in DNS
0.96%
url/fetch/noeoh
No end-of-headers found in HTTP response
0.59%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
38.03%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
17.11%
file/html/unknowntag
A start or end tag was found which was unrecognised
15.13%
file/html/badvalue
Invalid attribute value
13.06%
url/fetch/moved
A "301 Moved Permanently" response was received
3.13%
file/html/missingclose
An element is missing the required close tag
3.09%
file/html/closingunopened
A redundant close tag was found
2.56%
file/image/size
Image file size or dimensions do not match
2.07%
file/html/unknownid
Fragment identifier not found
1.69%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
1.29%