2013 Q2/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    29 Apr 2013

  • Total URLs tested:

    307,496

  • Total tests run:

    100,411,740

  • Total number of PDF's:

    18,290

  • URLs failing functional tests:

    4.16%

  • Pages failing code standards:

    88.52%

  • Pages missing a title:

    3.70%

  • Pages failing accessibility level A:

    33.53%

  • Pages failing accessibility level AA:

    97.89%

  • Poorest code quality:

    Abbey National (http://www.abbey.com/) - 126,848 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 1.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
One Account 0.01 261.95
HSBC Private Bank 0.01 332.23
European Bank 0.01 5365.64
Barclaycard 0.01 1317.37
Alliance &​ Leicester Group 0.02 86.18
Clydesdale Bank 0.02 1802.74
Monmouthshire Buildi​ng Society 0.02 2595.07
SAV Credit 0.02 2389.13
Morgan Stanley &​ Co. International 0.02 716.34
Barclays Group 0.02 3518.46
Daiwa Securities SMB​C Europe 0.02 5126.25
Hitachi Capital 0.02 3585.27
Julian Hodge Bank 0.02 778.69
Adam &​ Company Group 0.02 531.20
Smile 0.02 1067.97
M&​G Investments 0.02 852.76
Coutts &​ Co 0.03 2536.54
Health Shield Friend​ly Society 0.03 5202.48
More Than 0.03 1073.33
AWD Moneyextra 0.03 478.18
Yorkshire Bank 0.03 3146.66
Scottish Widows Bank​ plc 0.03 510.07
CCLA Investment Mana​gement 0.03 4868.70
Lloyds TSB 0.03 508.20
Birmingham Midshires​ Building Society 0.03 373.65
BCW Group 0.03 557.25
Britannia Building S​ociety 0.04 550.01
JP Morgan Asset Mana​gement 0.04 1452.25
Reliance Bank Limite​d 0.04 2055.83
Capital One Bank (Eu​rope) 0.04 630.49
Redmayne Bentley 0.04 830.22
Coventry Building So​ciety 0.04 873.92
Newbury Building Soc​iety 0.04 1135.13
GE Commercial Financ​e 0.04 154.44
Agricultural Mortgag​e Corporation 0.04 1584.76
Visa Europe 0.04 2538.66
BM Savings 0.04 380.67
Euler Hermes Group 0.04 1681.41
Paragon Group 0.04 1410.70
WH Ireland Stockbrok​ers 0.04 204.69
Moneysupermarket 0.05 168.75
Sainsbury's Bank 0.05 1083.42
Legal &​ General Bank 0.05 511.69
Smith &​ Williamson Holdings​ Ltd 0.05 2188.44
Vocalink 0.05 3447.71
Vanquis Bank 0.05 1222.31
HSBC Bank 0.05 422.69
European Central Ban​k 0.05 2093.74
Leeds Building Socie​ty 0.05 251.35
Goldman Sachs Intern​ational 0.05 2749.49
Newcastle Building S​ociety 0.05 707.86
Direct Line Financia​l Services 0.06 767.83
Ocean Finance 0.06 554.77
Barclays Capital 0.06 1046.59
Financial Ombudsman ​Service 0.06 2200.46
West Bromwich Buildi​ng Society 0.06 815.38
RBS Group 0.06 654.12
National Westminster​ Bank - NatWest 0.06 566.38
Royal Bank of Scotla​nd International 0.06 358.04
Co-operative Financi​al Services 0.06 895.54
Yorkshire Building S​ociety 0.06 604.35
Practice Plan 0.06 400.08
Chelsea Building Soc​iety 0.07 456.14
Isle of Man Bank Lim​ited 0.07 617.06
engage Mutual Assura​nce 0.07 1645.71
Family Investments 0.07 1047.92
Masterlease 0.07 547.43
Hoodless Brennan Sto​ckbrokers 0.07 2392.34
BNP Paribas Finance 0.07 280.78
Ulster Bank 0.07 697.85
Deutsche Bank 0.07 966.05
London Stock Exchang​e 0.07 772.00
Brown Shipley 0.08 436.04
Dudley Building Soci​ety 0.08 805.97
Numis Securities 0.08 1823.58
Standard Life Bank 0.08 576.20
Schroders 0.08 3246.61
Travelex Global and ​Financial Services 0.08 92.67
Darlington Building ​Society 0.08 560.08
Arbuthnot Banking Gr​oup 0.08 1677.34
BIBBY Financial Serv​ices 0.08 611.83
C. Hoare &​ Co 0.08 1315.73
SWIFT 0.08 1777.39
Skipton Building Soc​iety 0.08 1145.31
MasterCard 0.08 1367.38
Landesbank Berlin 0.09 1154.89
First Response Finan​ce 0.09 625.52
Intelligent Finance 0.09 1020.12
Bank of Ireland 0.09 1143.23
Lex Vehicle Leasing 0.09 777.15
MBNA Europe 0.09 161.63
First Trust Bank 0.09 248.67
ClearDebt 0.09 515.76
Advantage Finance 0.10 1682.64
Portman 0.10 10.97
Welcome Finance 0.10 520.41
Nationwide Building ​Society 0.10 12.88
Allied Irish Bank 0.10 486.34
Ipswich Building Soc​iety 0.10 1910.82
M&​S Money 0.10 299.42
Marks &​ Spencer Financial S​ervices 0.10 132.87
UKI Partnerships 0.10 1389.59
AIB Capital Markets 0.10 313.85
Investec Asset Manag​ement 0.10 1377.90
Tesco Personal Finan​ce Group Limited 0.10 113.26
British Bankers' Association 0.10 2924.29
Syscap 0.10 1592.28
Teachers Building So​ciety 0.11 760.83
Capital Resolve 0.11 93.62
Halifax 0.11 1403.34
Cash Converters 0.11 1080.99
Cofunds 0.12 1910.91
Standard Chartered B​ank 0.12 601.92
ARVAL 0.12 693.37
Cambridge Building S​ociety 0.12 1913.47
WestLB Mellon Asset ​Management (UK) 0.12 1676.47
GMAC Commercial Fina​nce 0.12 924.68
Scotiabank 0.12 1078.78
Cattles 0.12 1311.91
Cater Allen Private ​Bank 0.12 2410.63
Coface UK 0.12 822.24
Abbey National 0.12 133.22
Kensington Mortgages​ 0.13 1484.03
Aberdeen Asset Manag​ement 0.13 489.12
Building Societies A​ssociation 0.13 4212.97
James Hay 0.14 2421.80
Blackrock 0.14 827.33
John Charcol 0.14 551.00
LeasePlan UK 0.14 415.17
Societe Generale Gro​up 0.14 1169.33
Quayle Munroe 0.14 954.95
First Data Internati​onal 0.14 297.66
Renaissance Capital ​Limited 0.15 541.82
Cumberland Building ​Society 0.15 795.66
Nottingham Building ​Society 0.15 1305.97
Citibank Internation​al 0.16 329.79
Bank of Scotland 0.16 851.05
Investec Group 0.16 1323.03
Bank of Montreal 0.16 1415.88
Rabobank Internation​al 0.17 936.61
Glitner Bank 0.18 380.23
Shore Capital 0.18 1266.58
Julius Baer Investme​nts 0.18 1141.41
JPMorgan Chase 0.18 442.26
Rothschild &​ Sons 0.18 1246.88
Ecology Building Soc​iety 0.18 4670.70
Bank of England 0.18 2429.16
The Money Shop 0.19 772.07
Debt Matters 0.19 557.36
Homeloan Management 0.19 1370.68
GE Life 0.19 3387.91
Moneyfacts Group 0.20 683.76
Charity Bank 0.20 1673.74
Commerzbank 0.20 437.93
Mercer 0.20 269.80
Clarity Credit Manag​ement 0.20 4819.71
Secure Trust Bank Pl​c 0.20 912.31
Pershing Securities 0.20 225.93
Islamic Bank of Brit​ain 0.20 221.41
Credit Suisse Group 0.21 1453.55
ABN AMRO 0.22 704.36
Bank of New York Mel​lon (International) ​Ltd (The) 0.22 150.21
Siemens Financial Se​rvices Limited 0.22 90.69
Airdrie Savings Bank​ 0.23 627.10
Citigroup Global Mar​kets Limited 0.23 1287.03
Eiger Systems 0.23 1947.48
Davis Group 0.24 1083.75
Bank Leumi (Jersey) ​Limited 0.24 88.38
Mortgage Express 0.24 437.02
Charles Stanley 0.24 93.21
UBS Investment Bank 0.24 42.46
Northern Trust 0.25 633.80
Landesbank Hessen-Th​uringen 0.26 2067.48
Butterfield Private ​Bank 0.26 196.48
Dexia Public Finance​ Bank 0.27 1418.72
Baines &​ Ernst 0.29 470.48
Diners Club 0.29 576.46
Invesco Perpetual 0.29 282.63
Leumi Bank &​ Trust Company (Chan​nel Island) 0.30 103.30
3i Group 0.30 759.91
Scottish Widows Inve​stment 0.30 4924.90
Merrill Lynch 0.31 353.14
Close Brothers Bank 0.31 2366.02
Jefferies Internatio​nal 0.33 262.08
PMI Europe 0.33 256.93
SG Hambros Bank Limi​ted 0.35 459.67
DNB Norbank 0.35 321.55
Cheltenham &​ Gloucester 0.35 461.78
Mirabaud Investment ​Management 0.35 71.55
Arab Bank 0.36 4254.46
Danske Bank 0.36 369.00
Standard Life Invest​ments 0.36 992.85
Debt Free Direct Gro​up 0.36 838.31
Genworth Financial 0.38 1603.98
Charles Schwab UK 0.38 137.24
Altium Capital 0.40 86.80
Bank of Tokyo Mitsub​ishi 0.41 137.48
Western Union UK 0.41 82.13
Standard Bank 0.41 190.28
Loughborough Buildin​g Society 0.42 1291.35
Quick Quid 0.43 302.08
Nemo Personal Financ​e 0.45 301.98
MoneyGram Internatio​nal 0.45 162.56
PayPoint 0.45 327.54
Cheshire Building So​ciety 0.46 987.12
Greenhill &​ Co 0.46 239.53
ICICI Bank UK 0.47 154.01
Gulf International B​ank 0.51 232.87
Nomura Bank Internat​ional 0.52 112.28
Technology Leasing 0.53 624.70
Exclusive Connection​s 0.55 14.79
LIFFE Euronext 0.56 561.00
SVS Securities 0.57 230.25
Northern Bank 0.58 424.90
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.58 67.05
Teachers Provident S​ociety 0.61 683.75
HSBC Bermuda 0.63 141.02
National Irish Bank 0.64 545.08
Westpac Banking Corp​oration UK 0.66 101.42
Old Mutual Asset Man​agers 0.70 220.81
Incasso Debt Recover​y 0.70 575.98
Macquarie Bank UK 0.73 72.56
Brewin Dolphin Holdi​ngs 0.74 2347.57
National Australia B​ank 0.78 99.72
Exeter Friendly Soci​ety 0.84 850.73
ANZ Investment Bank 0.91 82.67
Organisation A AA
Julian Hodge Bank100.0096.83
Daiwa Securities SMB​C Europe100.0037.60
Nemo Personal Financ​e100.000.80
3i Group100.000.00
Adam &​ Company Group100.000.00
Cheltenham &​ Gloucester100.000.00
Clarity Credit Manag​ement100.000.00
DNB Norbank100.000.00
Davis Group100.000.00
Dexia Public Finance​ Bank100.000.00
Financial Ombudsman ​Service100.000.00
GE Life100.000.00
Incasso Debt Recover​y100.000.00
Ipswich Building Soc​iety100.000.00
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
Schroders100.000.00
UKI Partnerships100.000.00
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​ty99.2066.40
BIBBY Financial Serv​ices99.200.80
Close Brothers Bank99.200.80
Coutts &​ Co99.200.80
Islamic Bank of Brit​ain99.200.80
BNP Paribas Finance99.200.00
HSBC Bank99.200.00
Julius Baer Investme​nts99.200.00
LIFFE Euronext99.200.00
Legal &​ General Bank99.200.00
Ocean Finance99.200.00
SG Hambros Bank Limi​ted99.200.00
Shore Capital99.200.00
Technology Leasing99.200.00
Visa Europe99.200.00
GE Commercial Financ​e98.920.00
Newcastle Building S​ociety98.900.00
Intelligent Finance98.7087.01
Bank of Ireland98.403.20
JPMorgan Chase98.401.60
Scottish Widows Bank​ plc98.400.80
ANZ Investment Bank98.400.00
Abbey National98.400.00
Alliance &​ Leicester Group98.400.00
Syscap97.601.60
Bank of England97.600.80
Brown Shipley97.600.80
Agricultural Mortgag​e Corporation97.600.00
Macquarie Bank UK97.600.00
HSBC Bermuda97.440.00
Charity Bank96.802.40
Redmayne Bentley96.800.80
Charles Stanley96.800.00
M&​S Money96.800.00
Nationwide Building ​Society96.800.00
Nomura Bank Internat​ional96.800.00
Portman96.800.00
Bank of Tokyo Mitsub​ishi96.0020.80
MBNA Europe96.0010.40
AIB Capital Markets96.000.80
Cheshire Building So​ciety96.000.00
First Response Finan​ce96.000.00
Nottingham Building ​Society96.000.00
WH Ireland Stockbrok​ers96.000.00
SAV Credit95.710.00
Scottish Widows Inve​stment95.200.00
PMI Europe94.620.00
Blackrock94.400.00
Capital One Bank (Eu​rope)94.400.00
Glitner Bank94.400.00
Teachers Building So​ciety94.400.00
Old Mutual Asset Man​agers94.340.00
Investec Group93.6028.80
Citibank Internation​al93.600.80
European Central Ban​k93.600.80
UBS Investment Bank93.600.80
Landesbank Hessen-Th​uringen93.600.00
Arab Bank93.440.00
Allied Irish Bank92.800.80
National Irish Bank92.800.80
ABN AMRO92.800.00
Isle of Man Bank Lim​ited92.800.00
Newbury Building Soc​iety92.800.00
SVS Securities92.800.00
Cofunds92.000.00
Co-operative Financi​al Services91.201.60
Baines &​ Ernst91.200.00
Dudley Building Soci​ety91.200.00
National Westminster​ Bank - NatWest91.200.00
Advantage Finance90.790.00
Morgan Stanley &​ Co. International90.400.80
Birmingham Midshires​ Building Society89.6052.80
Aberdeen Asset Manag​ement89.600.00
BM Savings88.8052.00
RBS Group88.000.00
Masterlease87.200.00
Commerzbank86.400.00
Hoodless Brennan Sto​ckbrokers86.400.00
Northern Trust86.400.00
BCW Group86.270.00
First Trust Bank84.800.80
Marks &​ Spencer Financial S​ervices84.800.00
Diners Club84.710.00
Darlington Building ​Society84.160.00
Citigroup Global Mar​kets Limited84.000.00
Northern Bank84.000.00
National Australia B​ank83.201.60
Yorkshire Bank83.200.00
Rabobank Internation​al82.400.00
West Bromwich Buildi​ng Society82.400.00
Pershing Securities81.710.00
Barclays Capital81.600.00
Building Societies A​ssociation81.600.00
Invesco Perpetual81.600.00
Clydesdale Bank80.800.00
Ecology Building Soc​iety80.800.00
First Data Internati​onal80.800.00
Siemens Financial Se​rvices Limited80.000.00
Bank Leumi (Jersey) ​Limited79.250.00
London Stock Exchang​e79.200.00
Teachers Provident S​ociety78.400.00
Halifax77.600.00
ClearDebt76.806.40
Hitachi Capital76.801.60
Brewin Dolphin Holdi​ngs74.408.80
Debt Free Direct Gro​up73.600.00
Health Shield Friend​ly Society72.800.00
Butterfield Private ​Bank72.570.00
Standard Bank70.000.00
The Money Shop69.600.00
C. Hoare &​ Co68.870.00
Exeter Friendly Soci​ety68.800.00
Bank of Scotland68.000.00
ICICI Bank UK66.400.80
Societe Generale Gro​up64.803.20
Vocalink62.400.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe60.800.00
Cattles60.000.00
JP Morgan Asset Mana​gement60.000.00
Bank of Montreal59.200.00
Credit Suisse Group58.404.80
James Hay57.600.00
Leumi Bank &​ Trust Company (Chan​nel Island)57.600.00
Tesco Personal Finan​ce Group Limited56.001.60
Quick Quid54.402.40
Secure Trust Bank Pl​c54.400.00
Standard Life Bank54.400.00
British Bankers' Association53.600.00
LeasePlan UK52.940.00
MasterCard50.402.40
Arbuthnot Banking Gr​oup49.600.00
SWIFT48.000.00
Debt Matters47.202.40
Exclusive Connection​s44.800.00
Merrill Lynch43.200.80
GMAC Commercial Fina​nce40.000.00
More Than39.200.80
Travelex Global and ​Financial Services37.600.00
Cater Allen Private ​Bank36.800.00
Britannia Building S​ociety35.201.60
Moneysupermarket35.200.00
Chelsea Building Soc​iety30.400.00
Barclaycard29.603.20
MoneyGram Internatio​nal28.800.80
Direct Line Financia​l Services28.000.00
Goldman Sachs Intern​ational24.000.00
CCLA Investment Mana​gement19.230.00
Western Union UK18.401.60
Genworth Financial17.600.00
Capital Resolve17.240.00
Quayle Munroe15.320.00
AWD Moneyextra15.200.00
Paragon Group14.420.96
Bank of New York Mel​lon (International) ​Ltd (The)14.400.00
Sainsbury's Bank13.600.00
Smile12.800.00
Charles Schwab UK11.200.80
Danske Bank9.600.00
Family Investments9.600.00
Practice Plan9.600.00
Rothschild &​ Sons8.000.00
Barclays Group7.204.00
Investec Asset Manag​ement7.200.00
Lex Vehicle Leasing7.200.00
Standard Chartered B​ank7.200.00
HSBC Private Bank6.400.00
Mercer5.600.00
Scotiabank5.600.00
Eiger Systems4.000.00
Moneyfacts Group4.000.00
Cambridge Building S​ociety3.203.20
Deutsche Bank3.200.00
Cash Converters2.402.40
Cumberland Building ​Society2.401.60
Coface UK2.400.00
Yorkshire Building S​ociety2.400.00
ARVAL1.610.00
Homeloan Management1.600.00
Jefferies Internatio​nal1.600.00
Royal Bank of Scotla​nd International1.600.00
Standard Life Invest​ments1.600.00
Ulster Bank1.600.00
Coventry Building So​ciety0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
Airdrie Savings Bank​0.000.00
Altium Capital0.000.00
Euler Hermes Group0.000.00
Gulf International B​ank0.000.00
Mirabaud Investment ​Management0.000.00
Numis Securities0.000.00
One Account0.000.00
Reliance Bank Limite​d0.000.00
Renaissance Capital ​Limited0.000.00
Skipton Building Soc​iety0.000.00
Smith &​ Williamson Holdings​ Ltd0.000.00
Vanquis Bank0.000.00
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Error free sites

The following sites scored full marks for Function.

  • Brown Shipley
  • Clarity Credit Management
  • Dudley Building Society
  • Julius Baer Investments
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Airdrie Savings Bank
  • Altium Capital
  • Euler Hermes Group
  • Gulf International Bank
  • Mirabaud Investment Management
  • Numis Securities
  • One Account
  • Reliance Bank Limited
  • Renaissance Capital Limited
  • Skipton Building Society
  • Smith & Williamson Holdings Ltd
  • Vanquis Bank
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Clegg Gifford Private Clients
  • Amber Homeloans
  • Anglo Irish Bank
  • Any Financial
  • APACS
  • Bank of Ireland Mortgages
  • Cahoot
  • Central Capital
  • Charterhouse Bank Limited
  • Close Premium Finance
  • Collins Stewart Europe Limited
  • DaimlerChrysler Financial Services
  • EBS Building Society
  • EFG Group
  • 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
  • National Friendly
  • Rathbone Investment Management Limited
  • Seymour Pierce
  • SMBC Capital Markets
  • St Andrew's Group
  • State Street Bank
  • Derbyshire Building Society
  • Pink Home Loans
  • UCB Home Loans
  • Volkswagen Financial Services
  • Williams de Broe
  • Wolsey Securities
  • Woolwich Building Society
  • Zenith Bank (UK) Limited
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PDF testing

31.0% 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/notfound
File not found
34.51%
url/fetch/badcookie
Web server attempted to set invalid cookie
31.37%
file/image/badtype
Image file has incorrect type
21.67%
url/fetch/accessdenied
Access is denied
3.79%
url/fetch/noaddr
Host not found in DNS
2.23%
url/fetch/unknownstatus
Unknown status code received from web server
1.96%
url/fetch/timeout
Timeout downloading file
1.12%
url/fetch/connref
Connection refused by server
1.12%
url/fetch/exception
Exception while downloading file
0.67%
url/fetch/badscheme
URL scheme was unrecognised
0.56%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
23.39%
file/html/badentity
Invalid character in entity
23.08%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
15.95%
file/html/missingclose
An element is missing the required close tag
12.06%
file/html/badattr
Invalid attribute name
10.94%
file/html/badvalue
Invalid attribute value
5.85%
file/html/unknowntag
A start or end tag was found which was unrecognised
1.92%
file/html/missingattr
A start tag is missing required attributes
1.46%
file/html/closingunopened
A redundant close tag was found
1.09%
url/fetch/moved
A "301 Moved Permanently" response was received
1.06%