2013 Q1/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    06 Jan 2013

  • Total URLs tested:

    321,571

  • Total tests run:

    104,989,625

  • Total number of PDF's:

    18,425

  • URLs failing functional tests:

    4.03%

  • Pages failing code standards:

    88.17%

  • Pages missing a title:

    4.05%

  • Pages failing accessibility level A:

    31.17%

  • Pages failing accessibility level AA:

    97.53%

  • Poorest code quality:

    Marks & Spencer Financial Services (http://www.marksandspencer.com/) - 148,206 failures

  • Fastest average response time:

    C. Hoare & Co (http://www.hoaresbank.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 1.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
C. Hoare &​ Co 0.00 2729.73
European Bank 0.01 5872.02
HSBC Private Bank 0.01 312.93
3i Group 0.01 734.07
Barclaycard 0.02 1333.11
Daiwa Securities SMB​C Europe 0.02 2976.49
National Friendly 0.02 1045.47
WH Ireland Stockbrok​ers 0.02 2946.05
Barclays Group 0.02 3621.03
Adam &​ Company Group 0.02 639.06
Julian Hodge Bank 0.02 893.49
JP Morgan Asset Mana​gement 0.02 1327.86
M&​G Investments 0.02 901.85
CCLA Investment Mana​gement 0.02 4744.91
APACS 0.02 3806.55
Yorkshire Bank 0.02 1235.80
Coutts &​ Co 0.03 2970.28
SAV Credit 0.03 2203.91
Paragon Group 0.03 1873.56
Morgan Stanley &​ Co. International 0.03 605.68
Smile 0.03 680.71
Barclays Capital 0.03 1099.54
AWD Moneyextra 0.03 609.91
Clydesdale Bank 0.03 1096.44
Legal &​ General Bank 0.03 564.81
Britannia Building S​ociety 0.04 483.42
Monmouthshire Buildi​ng Society 0.04 1846.72
Capital One Bank (Eu​rope) 0.04 626.91
Syscap 0.04 1875.96
Hitachi Capital 0.04 3695.15
Reliance Bank Limite​d 0.04 2529.34
Newbury Building Soc​iety 0.04 1086.20
GE Commercial Financ​e 0.04 181.23
Schroders 0.04 5493.27
BCW Group 0.04 533.43
Redmayne Bentley 0.04 868.96
Ocean Finance 0.04 132.54
Scottish Widows Bank​ plc 0.04 283.75
Brown Shipley 0.04 738.54
Smith &​ Williamson Holdings​ Ltd 0.04 1692.67
Agricultural Mortgag​e Corporation 0.04 1931.10
Leeds Building Socie​ty 0.05 289.54
Vocalink 0.05 2826.76
Moneysupermarket 0.05 93.42
Isle of Man Bank Lim​ited 0.05 756.33
Lloyds TSB 0.05 429.45
Newcastle Building S​ociety 0.05 859.74
Ulster Bank 0.05 928.75
More Than 0.05 749.08
Direct Line Financia​l Services 0.05 924.62
Goldman Sachs Intern​ational 0.05 944.78
Sainsbury's Bank 0.05 922.63
Co-operative Financi​al Services 0.05 810.06
Family Investments 0.06 812.99
Bank of Ireland 0.06 2188.96
Yorkshire Building S​ociety 0.06 638.26
National Westminster​ Bank - NatWest 0.06 577.08
Financial Ombudsman ​Service 0.06 3321.94
BIBBY Financial Serv​ices 0.06 662.04
Practice Plan 0.06 398.44
Clegg Gifford Privat​e Clients 0.06 4258.36
Royal Bank of Scotla​nd International 0.06 424.51
Tesco Personal Finan​ce Group Limited 0.06 815.95
European Central Ban​k 0.06 2158.19
Chelsea Building Soc​iety 0.06 330.29
RBS Group 0.06 696.38
SWIFT 0.07 3865.12
Masterlease 0.07 905.16
Health Shield Friend​ly Society 0.07 381.79
West Bromwich Buildi​ng Society 0.07 567.64
Darlington Building ​Society 0.07 1848.22
MasterCard 0.07 1701.82
BNP Paribas Finance 0.07 287.78
Rabobank Internation​al 0.07 2138.39
HSBC Bank 0.07 421.10
Citibank Internation​al 0.08 1566.91
James Hay 0.08 2598.03
London Stock Exchang​e 0.08 936.18
Abbey National 0.08 101.52
Siemens Financial Se​rvices Limited 0.08 795.24
First Response Finan​ce 0.08 701.27
Standard Life Bank 0.08 654.36
engage Mutual Assura​nce 0.08 1221.08
Visa Europe 0.08 1653.18
Hoodless Brennan Sto​ckbrokers 0.08 1737.86
Intelligent Finance 0.09 1133.02
Landesbank Berlin 0.09 1232.67
Birmingham Midshires​ Building Society 0.09 393.75
Alliance &​ Leicester Group 0.09 104.95
Skipton Building Soc​iety 0.09 918.95
Allied Irish Bank 0.09 472.01
Coventry Building So​ciety 0.09 544.04
Coface UK 0.09 953.65
BM Savings 0.09 396.46
Welcome Finance 0.09 523.41
Travelex Global and ​Financial Services 0.09 402.74
Dudley Building Soci​ety 0.09 1085.09
GMAC Commercial Fina​nce 0.09 657.62
Aberdeen Asset Manag​ement 0.10 629.84
Advantage Finance 0.10 699.26
Seymour Pierce 0.10 381.84
Standard Chartered B​ank 0.10 1283.66
Teachers Building So​ciety 0.10 769.62
Kensington Mortgages​ 0.10 1899.18
Mortgage Express 0.10 469.26
Building Societies A​ssociation 0.10 4647.21
First Trust Bank 0.11 257.31
Derbyshire Building ​Society 0.11 1075.87
ClearDebt 0.11 478.10
Investec Asset Manag​ement 0.11 1412.94
Marks &​ Spencer Financial S​ervices 0.11 126.76
Cofunds 0.11 1696.53
WestLB Mellon Asset ​Management (UK) 0.11 1903.81
Deutsche Bank 0.11 987.04
Cattles 0.12 1369.44
Societe Generale Gro​up 0.12 1174.48
The Money Shop 0.12 865.28
Cambridge Building S​ociety 0.12 1530.95
John Charcol 0.12 624.51
Portman 0.12 8.47
Halifax 0.13 1417.38
Cater Allen Private ​Bank 0.13 2299.88
Nationwide Building ​Society 0.13 9.28
ARVAL 0.13 965.21
Lex Vehicle Leasing 0.13 622.48
Quayle Munroe 0.14 1024.74
Renaissance Capital ​Limited 0.14 366.78
Cheshire Building So​ciety 0.14 952.48
M&​S Money 0.14 135.33
Nottingham Building ​Society 0.15 1437.17
Commerzbank 0.15 455.37
ABN AMRO 0.15 994.20
Cumberland Building ​Society 0.15 895.94
Scotiabank 0.15 224.99
Capital Resolve 0.16 67.89
Bank of Scotland 0.16 1239.51
Julius Baer Investme​nts 0.16 761.64
Charity Bank 0.16 2240.02
LeasePlan UK 0.16 493.30
Rothschild &​ Sons 0.16 1100.73
Bank of England 0.16 2600.19
Islamic Bank of Brit​ain 0.17 261.88
MBNA Europe 0.17 221.05
AIB Capital Markets 0.17 125.74
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.17 151.59
First Data Internati​onal 0.18 284.76
Mercer 0.18 288.01
Davis Group 0.18 1697.34
Investec Group 0.18 2597.35
Rathbone Investment ​Management Limited 0.18 1943.74
Debt Free Direct Gro​up 0.19 1088.46
Homeloan Management 0.19 1345.15
Airdrie Savings Bank​ 0.20 859.02
JPMorgan Chase 0.20 437.59
Glitner Bank 0.20 330.38
Pershing Securities 0.20 242.67
Cash Converters 0.21 890.38
Credit Suisse Group 0.21 927.22
GE Life 0.21 2168.08
Secure Trust Bank Pl​c 0.21 808.41
Ipswich Building Soc​iety 0.21 2292.26
Ecology Building Soc​iety 0.21 5276.54
Euler Hermes Group 0.21 417.64
Anglo Irish Bank 0.22 769.44
Cheltenham &​ Gloucester 0.22 209.99
Clarity Credit Manag​ement 0.22 5004.82
Moneyfacts Group 0.22 513.99
Citigroup Global Mar​kets Limited 0.24 1488.36
Bank of Montreal 0.25 310.04
Charles Stanley 0.26 93.23
UBS Investment Bank 0.26 478.16
Blackrock 0.26 327.23
Quick Quid 0.27 248.87
Northern Trust 0.27 519.49
Landesbank Hessen-Th​uringen 0.27 2666.92
SG Hambros Bank Limi​ted 0.27 456.16
Dexia Public Finance​ Bank 0.27 1337.77
Scottish Widows Inve​stment 0.27 485.78
Numis Securities 0.29 1850.13
Diners Club 0.29 862.34
Invesco Perpetual 0.30 259.46
Close Brothers Bank 0.30 1780.35
Merrill Lynch 0.30 407.40
Bank Leumi (Jersey) ​Limited 0.30 167.54
PMI Europe 0.30 263.55
EFG Group 0.30 510.42
Butterfield Private ​Bank 0.31 206.98
Bank of New York Mel​lon (International) ​Ltd (The) 0.33 287.97
Jefferies Internatio​nal 0.33 219.98
Mirabaud Investment ​Management 0.34 1246.87
DNB Norbank 0.34 367.38
Standard Life Invest​ments 0.34 1050.52
Shore Capital 0.34 425.09
Vanquis Bank 0.35 779.37
Charles Schwab UK 0.35 148.78
Arab Bank 0.36 4873.99
British Bankers' Association 0.38 2188.49
Leumi Bank &​ Trust Company (Chan​nel Island) 0.39 126.09
Standard Bank 0.39 243.61
ICICI Bank UK 0.40 129.59
Technology Leasing 0.41 727.01
Greenhill &​ Co 0.41 255.22
Northern Bank 0.42 529.68
Eiger Systems 0.42 2099.14
Baines &​ Ernst 0.42 573.15
Danske Bank 0.42 379.77
PayPoint 0.44 433.53
Nemo Personal Financ​e 0.44 377.39
Western Union UK 0.47 208.70
National Irish Bank 0.48 672.78
Nomura Bank Internat​ional 0.50 125.30
LIFFE Euronext 0.51 509.32
SVS Securities 0.52 196.46
Exclusive Connection​s 0.53 13.15
Gulf International B​ank 0.57 248.41
Genworth Financial 0.57 1782.27
Loughborough Buildin​g Society 0.58 1203.65
MoneyGram Internatio​nal 0.60 154.92
Macquarie Bank UK 0.64 76.01
Bank of Tokyo Mitsub​ishi 0.64 55.05
HSBC Bermuda 0.64 132.76
Westpac Banking Corp​oration UK 0.65 134.34
Incasso Debt Recover​y 0.67 547.86
Old Mutual Asset Man​agers 0.74 208.91
National Australia B​ank 0.80 94.30
ANZ Investment Bank 0.89 86.10
Teachers Provident S​ociety 0.90 535.69
Exeter Friendly Soci​ety 1.03 1180.67
Brewin Dolphin Holdi​ngs 2.61 1448.98
Altium Capital 4.40 154.92
Organisation A AA
Julian Hodge Bank100.0096.43
Daiwa Securities SMB​C Europe100.0045.60
Islamic Bank of Brit​ain100.009.60
Financial Ombudsman ​Service100.001.60
Nemo Personal Financ​e100.000.80
Scottish Widows Inve​stment100.000.80
Adam &​ Company Group100.000.00
Anglo Irish Bank100.000.00
Cash Converters100.000.00
Cheltenham &​ Gloucester100.000.00
Clarity Credit Manag​ement100.000.00
DNB Norbank100.000.00
Davis Group100.000.00
Derbyshire Building ​Society100.000.00
Dexia Public Finance​ Bank100.000.00
HSBC Bermuda100.000.00
Incasso Debt Recover​y100.000.00
John Charcol100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Lloyds TSB100.000.00
Loughborough Buildin​g Society100.000.00
M&​G Investments100.000.00
Monmouthshire Buildi​ng Society100.000.00
Mortgage Express100.000.00
PayPoint100.000.00
Welcome Finance100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
engage Mutual Assura​nce100.000.00
Leeds Building Socie​ty99.2070.40
MBNA Europe99.2010.40
ANZ Investment Bank99.200.80
Coutts &​ Co99.200.80
LIFFE Euronext99.200.80
Scottish Widows Bank​ plc99.200.80
ABN AMRO99.200.00
APACS99.200.00
Abbey National99.200.00
Alliance &​ Leicester Group99.200.00
BNP Paribas Finance99.200.00
Baines &​ Ernst99.200.00
Close Brothers Bank99.200.00
GE Life99.200.00
HSBC Bank99.200.00
Halifax99.200.00
Julius Baer Investme​nts99.200.00
Legal &​ General Bank99.200.00
M&​S Money99.200.00
SG Hambros Bank Limi​ted99.200.00
Seymour Pierce99.200.00
Shore Capital99.200.00
Technology Leasing99.200.00
Visa Europe99.200.00
Newcastle Building S​ociety98.880.00
GE Commercial Financ​e98.720.00
BIBBY Financial Serv​ices98.400.80
AIB Capital Markets98.400.00
Standard Life Invest​ments98.400.00
Syscap97.602.40
Nottingham Building ​Society97.600.00
Vanquis Bank97.600.00
Mirabaud Investment ​Management97.010.00
Intelligent Finance97.0087.00
JPMorgan Chase96.801.60
Bank of England96.800.80
Redmayne Bentley96.800.80
Macquarie Bank UK96.800.00
Nomura Bank Internat​ional96.800.00
Bank of Ireland96.004.00
Brown Shipley96.000.80
Agricultural Mortgag​e Corporation96.000.00
Cheshire Building So​ciety96.000.00
First Response Finan​ce96.000.00
Investec Group96.000.00
SAV Credit95.650.00
Aberdeen Asset Manag​ement95.200.00
Blackrock95.200.00
Capital One Bank (Eu​rope)95.200.00
Ocean Finance95.200.00
WH Ireland Stockbrok​ers95.200.00
Charity Bank94.402.40
Schroders94.401.60
Cofunds94.400.00
Nationwide Building ​Society94.400.00
Newbury Building Soc​iety94.400.00
Portman94.400.00
Arab Bank93.600.00
Glitner Bank93.600.00
Landesbank Hessen-Th​uringen93.600.00
Co-operative Financi​al Services92.801.60
National Irish Bank92.800.80
SVS Securities92.800.00
Teachers Building So​ciety92.800.00
UBS Investment Bank92.800.00
PMI Europe92.780.00
Bank of Tokyo Mitsub​ishi92.0014.40
Allied Irish Bank92.000.00
Isle of Man Bank Lim​ited92.000.00
Smile92.000.00
Advantage Finance90.410.00
Morgan Stanley &​ Co. International90.400.80
Bank of Scotland90.400.00
Dudley Building Soci​ety90.400.00
Rabobank Internation​al90.400.00
Old Mutual Asset Man​agers89.800.00
European Central Ban​k89.6053.60
BM Savings89.6046.40
Birmingham Midshires​ Building Society89.6040.80
Citibank Internation​al88.801.60
RBS Group88.800.80
Charles Stanley88.800.00
James Hay88.000.00
Masterlease88.000.00
Northern Trust88.000.00
The Money Shop88.000.00
Bank Leumi (Jersey) ​Limited87.500.00
Commerzbank86.400.00
Darlington Building ​Society86.400.00
BCW Group86.270.00
Rathbone Investment ​Management Limited85.604.00
First Data Internati​onal85.600.00
Northern Bank85.600.00
West Bromwich Buildi​ng Society85.600.00
Diners Club85.060.00
First Trust Bank84.800.80
National Westminster​ Bank - NatWest84.000.00
Pershing Securities83.540.00
Britannia Building S​ociety82.401.60
London Stock Exchang​e82.400.80
Barclays Capital82.400.00
Citigroup Global Mar​kets Limited82.400.00
Health Shield Friend​ly Society82.400.00
Hoodless Brennan Sto​ckbrokers82.400.00
Building Societies A​ssociation81.600.00
Clydesdale Bank80.800.00
National Australia B​ank80.000.80
JP Morgan Asset Mana​gement80.000.00
Ecology Building Soc​iety78.400.00
Yorkshire Bank78.400.00
Hitachi Capital76.800.80
Teachers Provident S​ociety76.800.80
Marks &​ Spencer Financial S​ervices75.200.00
Brewin Dolphin Holdi​ngs74.407.20
Siemens Financial Se​rvices Limited73.600.00
Butterfield Private ​Bank73.210.00
Debt Free Direct Gro​up72.000.00
Clegg Gifford Privat​e Clients71.204.00
Western Union UK71.200.80
C. Hoare &​ Co69.090.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe68.800.00
Secure Trust Bank Pl​c67.480.00
Leumi Bank &​ Trust Company (Chan​nel Island)67.230.00
Exeter Friendly Soci​ety66.940.00
Standard Bank66.670.00
ClearDebt66.404.00
Societe Generale Gro​up66.403.20
Credit Suisse Group65.604.80
Invesco Perpetual62.400.00
Vocalink61.600.00
Cattles60.800.00
ICICI Bank UK60.000.80
Bank of Montreal59.200.00
Quick Quid54.402.40
British Bankers' Association54.400.00
Standard Life Bank54.400.00
Tesco Personal Finan​ce Group Limited52.802.40
MasterCard51.200.80
SWIFT51.200.00
Exclusive Connection​s46.400.00
LeasePlan UK45.950.00
Chelsea Building Soc​iety45.600.00
Merrill Lynch40.800.80
Travelex Global and ​Financial Services36.800.00
Moneysupermarket32.800.00
GMAC Commercial Fina​nce32.000.00
Ipswich Building Soc​iety31.2021.60
Direct Line Financia​l Services31.200.80
Moneyfacts Group28.800.00
Cater Allen Private ​Bank27.200.00
Barclaycard23.201.60
MoneyGram Internatio​nal23.200.80
3i Group20.800.00
Quayle Munroe17.600.00
Capital Resolve17.240.00
More Than16.800.80
Genworth Financial16.800.00
AWD Moneyextra16.000.80
CCLA Investment Mana​gement14.860.00
Goldman Sachs Intern​ational13.600.00
Charles Schwab UK10.400.00
Standard Chartered B​ank10.400.00
Family Investments9.600.00
Practice Plan8.800.00
Rothschild &​ Sons8.000.00
Investec Asset Manag​ement7.200.00
HSBC Private Bank6.400.00
Lex Vehicle Leasing6.400.00
Paragon Group5.151.03
Bank of New York Mel​lon (International) ​Ltd (The)4.800.80
Scotiabank4.800.00
Cumberland Building ​Society4.0010.40
Eiger Systems4.000.00
Mercer4.000.00
National Friendly3.8129.52
Barclays Group3.201.60
Danske Bank3.200.00
Yorkshire Building S​ociety3.200.00
Coface UK2.400.80
Deutsche Bank2.400.00
ARVAL1.890.00
Altium Capital1.601.60
Homeloan Management1.600.00
Royal Bank of Scotla​nd International1.600.00
Ulster Bank1.600.00
Coventry Building So​ciety0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
Cambridge Building S​ociety0.002.40
Airdrie Savings Bank​0.000.00
EFG Group0.000.00
Euler Hermes Group0.000.00
Gulf International B​ank0.000.00
Jefferies Internatio​nal0.000.00
Numis Securities0.000.00
Reliance Bank Limite​d0.000.00
Renaissance Capital ​Limited0.000.00
Sainsbury's Bank0.000.00
Skipton Building Soc​iety0.000.00
Smith &​ Williamson Holdings​ Ltd0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Brown Shipley
  • WH Ireland Stockbrokers
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Airdrie Savings Bank
  • EFG Group
  • Euler Hermes Group
  • Gulf International Bank
  • Jefferies International
  • Numis Securities
  • Reliance Bank Limited
  • Renaissance Capital Limited
  • Sainsbury's Bank
  • Skipton Building Society
  • Smith & Williamson Holdings Ltd
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Amber Homeloans
  • Any Financial
  • Arbuthnot Banking Group
  • Bank of Ireland Mortgages
  • Cahoot
  • Central Capital
  • Charterhouse Bank Limited
  • Close Premium Finance
  • Collins Stewart Europe Limited
  • DaimlerChrysler Financial Services
  • Debt Matters
  • EBS Building Society
  • FIRSTPLUS Financial Group
  • Ford Finance Credit
  • Communications Workers Friendly Society
  • GE Money
  • Harrods Bank Limited
  • HFC Bank
  • Home of Choice
  • JCB Card Europe
  • Kaupthing Singer & Friedlander
  • LMS Holdings
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • One Account
  • SMBC Capital Markets
  • St Andrew's Group
  • State Street Bank
  • Pink Home Loans
  • UCB Home Loans
  • UKI Partnerships
  • Volkswagen Financial Services
  • Williams de Broe
  • Wolsey Securities
  • Woolwich Building Society
  • Zenith Bank (UK) Limited
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PDF testing

28.7% of checked PDFs were not tagged for accessibility.

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
29.51%
url/fetch/notfound
File not found
28.71%
file/image/badtype
Image file has incorrect type
22.14%
url/fetch/accessdenied
Access is denied
9.58%
url/fetch/unknownstatus
Unknown status code received from web server
4.04%
url/fetch/noaddr
Host not found in DNS
2.46%
url/fetch/timeout
Timeout downloading file
1.25%
url/fetch/connref
Connection refused by server
0.63%
url/fetch/badscheme
URL scheme was unrecognised
0.55%
url/fetch/exception
Exception while downloading file
0.49%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
22.71%
file/html/badentity
Invalid character in entity
22.47%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.91%
file/html/missingclose
An element is missing the required close tag
13.23%
file/html/badattr
Invalid attribute name
10.63%
file/html/badvalue
Invalid attribute value
5.55%
file/html/unknowntag
A start or end tag was found which was unrecognised
1.98%
file/html/missingattr
A start tag is missing required attributes
1.66%
file/html/closingunopened
A redundant close tag was found
1.12%
url/fetch/moved
A "301 Moved Permanently" response was received
1.06%