2022 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    24 Mar 2022

  • Total URLs tested:

    315,477

  • Total tests run:

    102,568,063

  • Total number of PDF's:

    1,463

  • URLs failing functional tests:

    4.42%

  • Pages failing code standards:

    89.71%

  • Pages missing a title:

    1.21%

  • Pages failing accessibility level A:

    97.39%

  • Pages failing accessibility level AA:

    48.09%

  • Poorest code quality:

    BlackRock (https://www.blackrock.com/) - 139,756 failures

  • Fastest average response time:

    One Account (http://www.oneaccount.com/)




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)
One Account 0.01 377.78
Mortgage Force 0.02 1765.01
Zurich 0.02 119.17
GE Money 0.03 702.12
Santander UK 0.03 523.06
Sainsbury's Bank 0.03 136.88
Mortgages plc 0.03 269.20
Cater Allen Private ​Bank 0.04 327.54
Ulster Bank 0.04 254.21
RBS 0.04 419.91
Nemo Personal Financ​e 0.04 154.33
HSBC Bank 0.04 305.01
National Savings &​ Investments (ns&​i) 0.05 1125.03
Yorkshire Bank 0.05 272.40
Clydesdale Bank 0.05 265.12
Metro Bank 0.05 1345.27
Capital Resolve 0.06 53.65
The Loans Engine 0.06 306.61
European Bank 0.06 297.88
Raphaels Bank 0.06 1478.95
Secure Trust Bank Pl​c 0.06 704.97
Bank of Baroda UK 0.06 1034.63
M&​S Bank 0.06 494.16
Barclaycard 0.06 520.05
Teachers Building So​ciety 0.07 3099.93
Cumberland Building ​Society 0.07 218.03
Close Brothers Group​ Plc 0.07 580.11
Yorkshire Building S​ociety 0.07 722.81
BM Savings 0.07 103.80
Coventry Building So​ciety 0.07 400.04
Barclays Bank 0.07 2856.03
RBS International 0.07 583.08
Punjab National Bank​ (International) Ltd​ UK 0.07 146.37
Old Mutual 0.07 147.28
Goldman Sachs Intern​ational 0.07 1445.27
Capital One 0.08 503.50
Nationwide Building ​Society 0.08 336.04
Virgin Money 0.08 590.81
Brown Shipley 0.08 3879.26
WH Ireland 0.08 1229.74
Cambridge Building S​ociety 0.08 793.94
Europe Arab Bank Plc​ 0.08 850.89
Scottish Widows Bank​ plc 0.08 260.67
John Charcol 0.08 570.30
First Trust Bank 0.08 525.46
Diners Club 0.08 4083.01
C. Hoare &​ Co 0.08 833.92
Agricultural Mortgag​e Corporation 0.09 210.04
Kensington Mortgages​ 0.09 736.00
EBS Building Society​ 0.09 4369.68
Tesco Bank 0.09 127.49
Landesbank Berlin 0.09 174.02
HSBC Private Bank 0.09 192.66
Chelsea Building Soc​iety 0.09 151.67
NatWest Bank 0.09 363.85
Credit Suisse Group 0.09 285.70
Bank Leumi (UK) Plc 0.10 139.08
Standard Life UK 0.10 420.81
Western Union UK 0.10 814.73
Moneyfacts.co.uk 0.10 71.66
Dudley Building Soci​ety 0.10 586.57
Rathbones 0.10 363.39
First Response Finan​ce 0.10 1289.25
DaimlerChrysler Fina​ncial Services 0.10 57.89
WestLB Mellon Asset ​Management (UK) 0.10 295.01
Invesco 0.10 653.30
Cahoot 0.10 478.92
Travelex UK 0.10 616.49
Newcastle Building S​ociety 0.10 168.41
Isle of Man Bank Lim​ited 0.10 230.81
Islamic Bank of Brit​ain 0.10 294.48
Cash Converters 0.10 77.13
AIB Capital Markets 0.10 699.99
BNP Paribas UK 0.11 102.58
Leeds Building Socie​ty 0.11 173.99
Investec UK 0.11 324.83
Adam &​ Company 0.11 850.17
Debt Free Direct Gro​up 0.11 647.50
Aldermore 0.11 234.31
M&​G Investments 0.11 964.73
Financial Services C​ompensation Scheme 0.11 1089.87
Monmouthshire Buildi​ng Society 0.12 249.29
PayPoint 0.12 4473.37
Landesbank Hessen-Th​uringen 0.12 5567.74
Morgan Stanley &​ Co. International 0.12 2924.45
Moneyextra.com 0.12 237.80
Family Investments 0.12 387.66
The Co-Operative Ban​k 0.12 2186.12
SMBC Capital Markets​ 0.12 173.66
Smith &​ Williamson 0.12 407.33
Hitachi Capital 0.12 527.12
Harrington Brooks 0.12 339.69
Numis Securities 0.12 277.82
Britannia Building S​ociety 0.13 2820.33
Skipton Building Soc​iety 0.13 227.60
Coutts &​ Co 0.13 2460.34
Arbuthnot Banking Gr​oup 0.13 175.85
EFG Group 0.13 773.49
abrdn 0.13 481.18
Jersey Financial Ser​vices Commission 0.14 183.36
Weatherbys Bank 0.14 80.68
Financial Conduct Au​thority 0.14 381.31
Principality Buildin​g Society 0.14 316.48
Smile 0.14 139.11
Handelsbanken UK 0.14 815.00
Pershing Securities ​UK 0.14 329.31
More Than 0.14 134.98
Siemens Financial Se​rvices Limited 0.14 862.01
Ocean Finance 0.15 299.45
Brewin Dolphin 0.15 801.08
Building Societies A​ssociation 0.15 564.40
ARVAL 0.16 759.61
Close Premium Financ​e 0.16 388.08
Schroders 0.16 1172.35
Allied Irish Bank UK​ 0.16 411.46
Danske Bank UK 0.16 257.72
Mortgage Trust 0.16 723.53
Wesleyan Bank 0.17 286.86
Commerzbank UK 0.17 1751.20
Redmayne Bentley Sto​ckbrokers 0.17 261.23
TSB Bank Plc 0.17 331.58
Newbury Building Soc​iety 0.17 1737.43
Teachers Assurance 0.17 353.87
Legal &​ General 0.18 163.94
GE Capital 0.18 901.17
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.19 265.51
Shore Capital 0.19 1252.67
Bank of Montreal 0.19 923.90
Bank of Scotland 0.19 203.03
James Hay 0.19 228.31
Gulf International B​ank 0.19 199.97
Rabobank Internation​al 0.19 421.04
ABN AMRO Commercial ​Finance 0.20 325.73
MBNA Europe 0.20 225.27
Bank of England 0.20 1993.08
Bank of Ireland 0.21 496.59
Brilliant Solutions 0.21 288.30
Volkswagen Financial​ Services UK 0.21 191.45
Charity Bank 0.21 1211.57
Darlington Building ​Society 0.21 1023.47
The Nottingham 0.22 236.42
Financial Ombudsman ​Service 0.22 292.54
Ipswich Building Soc​iety 0.23 114.29
Cofunds 0.23 939.70
Charles Stanley 0.24 123.36
The West Brom 0.25 243.81
Butterfield Private ​Bank 0.26 477.13
Duncan Lawrie Bank 0.27 1467.36
Quick Quid 0.27 312.46
Ecology Building Soc​iety 0.27 493.68
Bank of Tokyo Mitsub​ishi 0.27 1250.97
Shawbrook 0.27 158.23
St Andrews Financial​ Services 0.27 117.97
Macquarie Group Ltd 0.27 888.63
Mortgage Intelligenc​e 0.28 292.03
Julian Hodge Bank 0.28 790.87
Halifax 0.29 243.91
GMAC Financial Servi​ces 0.29 686.34
Paragon Group 0.30 481.39
BlackRock 0.30 1516.99
London Stock Exchang​e 0.31 98.43
Citibank UK 0.31 367.60
Visa UK 0.31 539.96
BIBBY Financial Serv​ices 0.32 619.98
Vanquis Bank 0.33 170.77
Citigroup Global Mar​kets Limited 0.35 489.56
HSBC Bermuda 0.35 155.84
The Bank of East Asi​a UK 0.36 106.46
Loughborough Buildin​g Society 0.37 402.84
Lloyds Bank Plc 0.38 95.90
Computershare 0.39 503.86
Societe Generale Pri​vate Banking UK 0.41 2440.38
FCE Bank 0.44 56.22
Standard Chartered B​ank UK 0.45 296.36
Experian 0.45 388.36
BNP Paribas Leasing ​Solutions UK 0.46 692.89
BNY Mellon UK 0.46 1127.73
Zenith Bank (UK) Lim​ited 0.46 432.48
JCB Card Europe 0.46 139.54
National Australia B​ank 0.47 203.37
Deutsche Bank UK 0.48 1764.10
Westpac Banking Corp​oration UK 0.48 254.51
Mirabaud Securities ​(UK) 0.48 1569.78
CCLA 0.51 483.71
Foresters UK 0.53 234.53
Charles Schwab UK 0.55 225.69
Daiwa Capitals Marke​ts Europe Ltd 0.59 334.74
LeasePlan UK 0.60 1026.85
JPMorgan Chase 0.61 730.56
State Bank of India ​UK 0.62 318.95
ICICI Bank UK 0.62 75.42
The Money Shop 0.69 241.32
ClearDebt 0.77 222.90
Nomura Bank Internat​ional 0.84 168.55
GCA Altium 0.92 572.46
BCW Group 0.98 469.03
Reliance Bank Limite​d 1.13 409.15
Bank of China UK 1.20 23.84
UBS Investment Bank 1.96 254.83
Mercer UK 8.95 540.49
Organisation A AA
Nemo Personal Financ​e57.1492.86
Bank of Baroda UK46.3888.41
Scottish Widows Bank​ plc31.7595.24
Nomura Bank Internat​ional22.9693.33
Bank of Tokyo Mitsub​ishi22.9640.74
JCB Card Europe21.57100.00
Visa UK17.0417.04
Duncan Lawrie Bank14.2914.29
Debt Free Direct Gro​up11.1111.11
Close Brothers Group​ Plc10.3783.70
Landesbank Hessen-Th​uringen8.8981.48
Cofunds7.6998.72
Financial Conduct Au​thority7.4185.93
Bank of Montreal7.4112.59
James Hay7.418.89
Nationwide Building ​Society6.67100.00
SMBC Capital Markets​6.6793.33
GE Capital6.676.67
Bank of England5.9398.52
Virgin Money5.9397.78
abrdn5.9340.74
Tesco Bank5.936.67
PayPoint5.8847.06
Cahoot5.7757.69
Lloyds Bank Plc5.1995.56
BlackRock5.1946.67
Financial Ombudsman ​Service5.1920.00
Hitachi Capital5.197.41
Teachers Building So​ciety5.195.19
Capital One4.44100.00
C. Hoare &​ Co4.4497.04
Santander UK4.4496.30
Credit Suisse Group4.4490.37
HSBC Bank4.4489.63
HSBC Private Bank4.4459.26
Paragon Group4.445.93
MBNA Europe3.7386.57
Yorkshire Building S​ociety3.7093.33
Gulf International B​ank3.704.44
GCA Altium3.702.22
M&​S Bank2.9699.26
Agricultural Mortgag​e Corporation2.9697.78
Bank of Scotland2.9692.59
Shore Capital2.9689.63
Building Societies A​ssociation2.9682.96
Mercer UK2.9677.04
Teachers Assurance2.9652.59
Sumitomo Mitsui Bank​ing Corporation Euro​pe2.759.17
Clydesdale Bank2.2296.30
Jersey Financial Ser​vices Commission2.2292.59
Adam &​ Company2.2286.67
JPMorgan Chase2.2276.30
Skipton Building Soc​iety2.229.63
Cater Allen Private ​Bank2.227.41
Cumberland Building ​Society2.226.67
Wesleyan Bank2.225.93
ClearDebt2.222.22
EFG Group1.921.92
Zenith Bank (UK) Lim​ited1.6710.00
Europe Arab Bank Plc​1.4991.04
Foresters UK1.4899.26
Darlington Building ​Society1.4894.81
Coventry Building So​ciety1.4893.33
Barclaycard1.4892.59
Arbuthnot Banking Gr​oup1.4890.37
Halifax1.4890.37
Legal &​ General1.4888.15
Brilliant Solutions1.4877.04
BNY Mellon UK1.4825.19
Rabobank Internation​al1.4823.70
Goldman Sachs Intern​ational1.488.89
Leeds Building Socie​ty1.488.89
Aldermore1.487.41
Brewin Dolphin1.487.41
TSB Bank Plc1.487.41
Morgan Stanley &​ Co. International1.486.67
The Bank of East Asi​a UK1.2789.87
Brown Shipley1.208.43
The Money Shop1.121.12
Landesbank Berlin0.9968.32
Moneyextra.com0.80100.00
Charity Bank0.8028.80
Charles Stanley0.800.80
Vanquis Bank0.7998.41
Close Premium Financ​e0.791.59
Dudley Building Soci​ety0.775.38
Travelex UK0.756.02
Smile0.7499.26
CCLA0.7498.52
Loughborough Buildin​g Society0.7497.78
Cambridge Building S​ociety0.7494.81
Britannia Building S​ociety0.7493.33
Danske Bank UK0.7493.33
The Co-Operative Ban​k0.7493.33
HSBC Bermuda0.7492.59
Julian Hodge Bank0.7490.37
Numis Securities0.7488.15
Handelsbanken UK0.7483.70
Bank of Ireland0.7480.74
ARVAL0.7480.00
Monmouthshire Buildi​ng Society0.7474.81
Volkswagen Financial​ Services UK0.7416.30
Experian0.7414.07
The Nottingham0.748.89
Daiwa Capitals Marke​ts Europe Ltd0.748.15
Ecology Building Soc​iety0.748.15
Family Investments0.747.41
Investec UK0.747.41
Redmayne Bentley Sto​ckbrokers0.747.41
Commerzbank UK0.746.67
WH Ireland0.741.48
Capital Resolve0.00100.00
DaimlerChrysler Fina​ncial Services0.00100.00
Deutsche Bank UK0.00100.00
FCE Bank0.00100.00
First Response Finan​ce0.00100.00
GE Money0.00100.00
M&​G Investments0.00100.00
Mortgages plc0.00100.00
One Account0.00100.00
Standard Chartered B​ank UK0.00100.00
Zurich0.00100.00
BM Savings0.0099.26
National Savings &​ Investments (ns&​i)0.0099.26
Mortgage Intelligenc​e0.0099.20
Westpac Banking Corp​oration UK0.0097.78
Standard Life UK0.0097.60
Quick Quid0.0097.44
Chelsea Building Soc​iety0.0097.04
Citigroup Global Mar​kets Limited0.0097.04
Punjab National Bank​ (International) Ltd​ UK0.0095.88
Yorkshire Bank0.0095.56
Raphaels Bank0.0093.75
WestLB Mellon Asset ​Management (UK)0.0093.75
Secure Trust Bank Pl​c0.0093.02
LeasePlan UK0.0092.00
State Bank of India ​UK0.0091.85
Invesco0.0091.11
Metro Bank0.0091.11
National Australia B​ank0.0091.11
Barclays Bank0.0089.63
Isle of Man Bank Lim​ited0.0088.80
Mirabaud Securities ​(UK)0.0087.41
Sainsbury's Bank0.0086.67
More Than0.0086.40
BNP Paribas Leasing ​Solutions UK0.0084.44
Newcastle Building S​ociety0.0082.40
GMAC Financial Servi​ces0.0082.22
RBS International0.0077.60
BCW Group0.0075.00
The Loans Engine0.0067.92
Ulster Bank0.0066.67
The West Brom0.0060.74
Schroders0.0059.26
NatWest Bank0.0054.40
RBS0.0053.60
Ocean Finance0.0045.60
UBS Investment Bank0.0040.00
Western Union UK0.0039.26
Old Mutual0.0027.13
AIB Capital Markets0.0011.85
Coutts &​ Co0.0010.37
Financial Services C​ompensation Scheme0.0010.37
ICICI Bank UK0.009.63
Butterfield Private ​Bank0.008.89
Principality Buildin​g Society 0.008.15
Reliance Bank Limite​d0.008.15
Shawbrook0.008.15
Allied Irish Bank UK​0.007.41
BIBBY Financial Serv​ices0.007.41
EBS Building Society​0.007.41
Smith &​ Williamson0.007.41
Weatherbys Bank0.007.41
Bank Leumi (UK) Plc0.006.67
Computershare0.006.67
First Trust Bank0.006.67
Ipswich Building Soc​iety0.006.67
Kensington Mortgages​0.006.67
St Andrews Financial​ Services0.006.25
Citibank UK0.005.19
Islamic Bank of Brit​ain0.005.19
Rathbones0.004.44
Newbury Building Soc​iety0.004.00
European Bank0.002.96
John Charcol0.002.36
ABN AMRO Commercial ​Finance0.000.00
BNP Paribas UK0.000.00
Bank of China UK0.000.00
Cash Converters0.000.00
Charles Schwab UK0.000.00
Diners Club0.000.00
Harrington Brooks0.000.00
London Stock Exchang​e0.000.00
Macquarie Group Ltd0.000.00
Moneyfacts.co.uk0.000.00
Mortgage Force0.000.00
Mortgage Trust0.000.00
Pershing Securities ​UK0.000.00
Siemens Financial Se​rvices Limited0.000.00
Societe Generale Pri​vate Banking UK0.000.00
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Error free sites

The following sites scored full marks for Function.

  • SMBC Capital Markets
  • WestLB Mellon Asset Management (UK)
  • 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
  • Cash Converters
  • London Stock Exchange
  • Macquarie Group Ltd
  • Moneyfacts.co.uk
  • Mortgage Force
  • Mortgage Trust
  • Pershing Securities UK
  • Societe Generale Private Banking UK
  • Charles Schwab UK
  • Diners Club
  • Harrington Brooks
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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
  • Bank of Ireland Mortgages
  • British Bankers' Association
  • Bluefin
  • Cattles Limited
  • Cheltenham & Gloucester
  • engage Mutual Assurance
  • First Complete
  • FIRSTPLUS Financial Group
  • Harrods Bank Limited
  • HFC Bank
  • ICBC UK
  • Bank Leumi (Jersey) Limited
  • MoneyGram International
  • SVS Securities
  • Cheshire Building Society
  • Pink Home Loans
  • Dexia Public Finance Bank
  • The Woolwich
  • Airdrie Savings Bank
  • Ninety One
  • DNB Norbank
  • Jefferies International
  • MasterCard UK
  • Moneysupermarket
  • Northern Trust
  • Rothschild & Sons
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PDF testing

18.0% 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
32.46%
url/fetch/notfound
File not found
31.93%
file/image/badtype
Image file has incorrect type
23.67%
url/fetch/accessdenied
Access is denied
3.71%
url/fetch/errorstatus
Error status code received from web server
2.79%
url/fetch/timeout
Timeout downloading file
1.78%
url/fetch/noaddr
Host not found in DNS
1.43%
url/fetch/unknownstatus
Unknown status code received from web server
0.65%
url/fetch/connref
Connection refused by server
0.33%
url/fetch/redirectloop
Redirect points back to the original page
0.32%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/badattr
Invalid attribute name
25.72%
file/html/closingunopened
A redundant close tag was found
18.18%
file/html/badvalue
Invalid attribute value
17.32%
file/html/unknowntag
A start or end tag was found which was unrecognised
15.47%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
11.37%
file/html/unknownid
Fragment identifier not found
2.75%
file/html/missingclose
An element is missing the required close tag
2.58%
url/fetch/moved
A "301 Moved Permanently" response was received
2.43%
file/image/size
Image file size or dimensions do not match
1.30%
file/html/repeatedattr
A tag has been assigned the same attribute more than once
0.98%