2013 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    15 Jul 2013

  • Total URLs tested:

    295,611

  • Total tests run:

    96,524,415

  • Total number of PDF's:

    17,340

  • URLs failing functional tests:

    4.42%

  • Pages failing code standards:

    89.67%

  • Pages missing a title:

    3.55%

  • Pages failing accessibility level A:

    36.59%

  • Pages failing accessibility level AA:

    97.86%

  • Poorest code quality:

    Santander (http://www.santander.co.uk/) - 126,707 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 0.01 179.57
HSBC Private Bank 0.01 102.88
European Bank 0.01 2994.35
Morgan Stanley &​ Co. International 0.01 297.54
Coutts &​ Co 0.02 206.40
Daiwa Securities SMB​C Europe 0.02 3523.07
Yorkshire Bank 0.02 1690.93
Citibank Internation​al 0.02 797.41
Julian Hodge Bank 0.02 1063.86
Adam &​ Company Group 0.02 158.77
Hitachi Capital 0.02 2840.53
CCLA Investment Mana​gement 0.02 3328.70
Smile 0.03 713.25
SAV Credit 0.03 2420.58
Scottish Widows Bank​ plc 0.03 301.70
Monmouthshire Buildi​ng Society 0.03 1774.88
Health Shield Friend​ly Society 0.03 1804.90
JP Morgan Asset Mana​gement 0.03 1139.26
Barclaycard 0.03 1966.86
Lloyds TSB 0.03 441.39
Reliance Bank Limite​d 0.04 1045.79
UKI Partnerships 0.04 640.55
Britannia Building S​ociety 0.04 419.31
Redmayne Bentley 0.04 726.05
Clydesdale Bank 0.04 800.46
AWD Moneyextra 0.04 167.14
Newbury Building Soc​iety 0.04 555.97
HSBC Bank 0.04 411.07
BM Savings 0.04 344.37
GE Commercial Financ​e 0.04 83.83
More Than 0.04 465.86
Sainsbury's Bank 0.04 794.68
WH Ireland Stockbrok​ers 0.04 3176.53
Direct Line Financia​l Services 0.04 615.44
Brown Shipley 0.05 678.93
Leeds Building Socie​ty 0.05 323.36
Newcastle Building S​ociety 0.05 568.62
Coventry Building So​ciety 0.05 470.16
Paragon Group 0.05 456.68
Agricultural Mortgag​e Corporation 0.05 1114.58
Ocean Finance 0.05 270.94
Yorkshire Building S​ociety 0.06 522.27
Family Investments 0.06 344.07
Isle of Man Bank Lim​ited 0.06 533.17
C. Hoare &​ Co 0.06 1338.24
Legal &​ General Bank 0.06 356.41
Santander 0.06 22.93
Ulster Bank 0.06 879.31
Chelsea Building Soc​iety 0.06 210.79
M&​S Money 0.06 675.93
Vocalink 0.06 3772.82
Syscap 0.06 1346.32
Kensington Mortgages​ 0.06 976.40
Standard Life Bank 0.06 360.79
Co-operative Financi​al Services 0.06 482.02
BIBBY Financial Serv​ices 0.07 1202.24
Bank of Ireland 0.07 1578.50
West Bromwich Buildi​ng Society 0.07 538.61
Moneysupermarket 0.07 137.22
Vanquis Bank 0.07 1675.97
Smith &​ Williamson Holdings​ Ltd 0.07 2665.79
The Money Shop 0.07 124.69
James Hay 0.07 2153.38
engage Mutual Assura​nce 0.07 843.83
London Stock Exchang​e 0.08 507.31
Arbuthnot Banking Gr​oup 0.08 744.16
Intelligent Finance 0.08 1115.14
Deutsche Bank 0.08 948.48
BNP Paribas Finance 0.08 178.29
Welcome Finance 0.08 460.23
Royal Bank of Scotla​nd International 0.08 296.17
Teachers Building So​ciety 0.09 842.63
Goldman Sachs Intern​ational 0.09 1728.92
Numis Securities 0.09 644.10
Allied Irish Bank 0.09 218.93
ARVAL 0.09 460.66
MasterCard 0.09 534.00
MBNA Europe 0.09 94.07
Darlington Building ​Society 0.09 206.08
RBS Group 0.09 565.31
Marks &​ Spencer Financial S​ervices 0.09 42.66
Travelex Global and ​Financial Services 0.10 253.92
Rothschild &​ Sons 0.10 941.64
Standard Chartered B​ank 0.10 809.75
AIB Capital Markets 0.10 162.93
Practice Plan 0.10 135.29
GMAC Commercial Fina​nce 0.10 669.66
First Response Finan​ce 0.10 232.64
European Central Ban​k 0.10 2066.59
Nationwide Building ​Society 0.10 9.92
Skipton Building Soc​iety 0.10 930.53
Building Societies A​ssociation 0.10 3357.15
Barclays Group 0.10 1690.79
British Bankers' Association 0.11 845.21
Nottingham Building ​Society 0.11 894.28
M&​G Investments 0.11 3393.39
National Westminster​ Bank - NatWest 0.11 381.80
Landesbank Berlin 0.12 838.68
Schroders 0.12 3017.41
Aberdeen Asset Manag​ement 0.12 301.15
Capital One Bank (Eu​rope) 0.12 262.37
Scotiabank 0.12 801.21
Tesco Personal Finan​ce Group Limited 0.12 679.53
Lex Vehicle Leasing 0.12 544.54
Cater Allen Private ​Bank 0.13 2230.94
Capital Resolve 0.13 80.23
Cambridge Building S​ociety 0.13 1609.39
Commerzbank 0.13 281.79
Glitner Bank 0.13 344.88
Advantage Finance 0.13 827.35
First Trust Bank 0.13 50.87
Cheshire Building So​ciety 0.14 807.38
Siemens Financial Se​rvices Limited 0.14 1093.51
Dudley Building Soci​ety 0.14 698.83
ABN AMRO 0.14 737.86
Shore Capital 0.14 1027.29
Bank of Montreal 0.14 707.28
Quayle Munroe 0.15 881.45
Ipswich Building Soc​iety 0.15 1261.62
Halifax 0.15 944.59
Investec Group 0.15 2292.25
Euler Hermes Group 0.16 1584.24
Societe Generale Gro​up 0.16 672.47
ClearDebt 0.16 429.51
SWIFT 0.16 2275.25
Bank of New York Mel​lon (International) ​Ltd (The) 0.16 197.80
Debt Free Direct Gro​up 0.16 625.97
Cumberland Building ​Society 0.18 590.66
Coface UK 0.18 307.74
JPMorgan Chase 0.18 330.67
GE Life 0.18 2139.58
Rabobank Internation​al 0.18 1192.04
Bank of Scotland 0.18 561.90
Ecology Building Soc​iety 0.18 5471.10
Barclays Capital 0.18 1222.69
Blackrock 0.19 453.46
Charles Stanley 0.19 120.20
Cattles 0.19 1078.91
Islamic Bank of Brit​ain 0.19 346.72
Financial Ombudsman ​Service 0.19 391.51
Rathbone Investment ​Management Limited 0.19 1462.04
Charles Schwab UK 0.20 98.42
Mercer 0.20 182.32
Mirabaud Investment ​Management 0.20 806.01
Charity Bank 0.20 1410.23
Renaissance Capital ​Limited 0.20 508.54
Julius Baer Investme​nts 0.21 597.63
Investec Asset Manag​ement 0.21 1047.79
Homeloan Management 0.21 1100.55
UBS Investment Bank 0.21 322.27
Credit Suisse Group 0.22 1206.02
Landesbank Hessen-Th​uringen 0.22 1315.63
Nemo Personal Financ​e 0.23 274.20
Citigroup Global Mar​kets Limited 0.23 929.76
Pershing Securities 0.23 194.93
Northern Trust 0.24 327.16
Moneyfacts Group 0.25 311.27
First Data Internati​onal 0.25 213.81
John Charcol 0.26 539.12
Clarity Credit Manag​ement 0.27 4447.15
3i Group 0.28 611.38
Butterfield Private ​Bank 0.28 170.46
Dexia Public Finance​ Bank 0.28 1761.55
Airdrie Savings Bank​ 0.30 437.73
Close Brothers Bank 0.30 1807.24
Merrill Lynch 0.30 248.31
SG Hambros Bank Limi​ted 0.31 430.44
Diners Club 0.31 487.71
Leumi Bank &​ Trust Company (Chan​nel Island) 0.31 66.35
PMI Europe 0.32 236.93
Jefferies Internatio​nal 0.32 191.22
Invesco Perpetual 0.33 308.83
Baines &​ Ernst 0.33 395.50
Danske Bank 0.33 379.94
Scottish Widows Inve​stment 0.36 2103.67
Arab Bank 0.36 3408.74
Standard Life Invest​ments 0.39 952.03
WestLB Mellon Asset ​Management (UK) 0.39 145.79
Bank of England 0.40 231.05
Altium Capital 0.42 24.20
ICICI Bank UK 0.43 156.14
Standard Bank 0.44 179.23
Bank of Tokyo Mitsub​ishi 0.44 99.14
Technology Leasing 0.44 632.57
Brewin Dolphin Holdi​ngs 0.47 2593.14
Western Union UK 0.47 115.33
MoneyGram Internatio​nal 0.48 106.30
PayPoint 0.49 170.00
Loughborough Buildin​g Society 0.49 1081.93
Greenhill &​ Co 0.49 168.12
Secure Trust Bank Pl​c 0.50 412.94
Gulf International B​ank 0.51 210.40
Nomura Bank Internat​ional 0.51 109.93
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.56 178.07
LIFFE Euronext 0.60 374.72
SVS Securities 0.63 105.22
Macquarie Bank UK 0.63 78.55
Old Mutual Asset Man​agers 0.64 478.50
HSBC Bermuda 0.68 141.55
Incasso Debt Recover​y 0.68 338.62
Westpac Banking Corp​oration UK 0.69 92.80
Quick Quid 0.70 192.80
Genworth Financial 0.72 932.27
Cash Converters 0.73 949.17
National Australia B​ank 0.74 98.95
Exeter Friendly Soci​ety 0.85 699.60
ANZ Investment Bank 1.04 66.08
Cheltenham &​ Gloucester 2.37 491.12
Organisation A AA
Julian Hodge Bank100.0096.97
Leeds Building Socie​ty100.0081.60
Daiwa Securities SMB​C Europe100.0047.20
Cheltenham &​ Gloucester100.003.20
Nemo Personal Financ​e100.000.80
Schroders100.000.80
engage Mutual Assura​nce100.000.80
3i Group100.000.00
Adam &​ Company Group100.000.00
BNP Paribas Finance100.000.00
Clarity Credit Manag​ement100.000.00
Darlington Building ​Society100.000.00
Dexia Public Finance​ Bank100.000.00
Dudley Building Soci​ety100.000.00
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
Monmouthshire Buildi​ng Society100.000.00
PayPoint100.000.00
Scottish Widows Inve​stment100.000.00
Welcome Finance100.000.00
WestLB Mellon Asset ​Management (UK)100.000.00
Westpac Banking Corp​oration UK100.000.00
BIBBY Financial Serv​ices99.200.80
Close Brothers Bank99.200.80
Bank of Ireland99.200.00
Coutts &​ Co99.200.00
HSBC Bank99.200.00
Julius Baer Investme​nts99.200.00
LIFFE Euronext99.200.00
Legal &​ General Bank99.200.00
Nottingham Building ​Society99.200.00
Ocean Finance99.200.00
SG Hambros Bank Limi​ted99.200.00
Santander99.200.00
Shore Capital99.200.00
Technology Leasing99.200.00
GE Commercial Financ​e98.920.00
Newcastle Building S​ociety98.911.09
Intelligent Finance98.7087.01
Islamic Bank of Brit​ain98.403.20
JPMorgan Chase98.401.60
Scottish Widows Bank​ plc98.401.60
Charity Bank98.400.00
Syscap97.602.40
Yorkshire Bank97.602.40
ANZ Investment Bank97.600.80
Bank of England97.600.80
Agricultural Mortgag​e Corporation97.600.00
Brown Shipley97.600.00
Investec Group97.600.00
Macquarie Bank UK96.800.80
Blackrock96.800.00
Nomura Bank Internat​ional96.800.00
HSBC Bermuda96.150.00
Bank of Tokyo Mitsub​ishi96.0016.80
AIB Capital Markets96.000.80
European Central Ban​k96.000.80
Capital One Bank (Eu​rope)96.000.00
First Response Finan​ce96.000.00
Halifax96.000.00
WH Ireland Stockbrok​ers96.000.00
SAV Credit95.590.00
Redmayne Bentley95.200.80
Bank of Scotland95.200.00
Clydesdale Bank95.200.00
Teachers Building So​ciety95.200.00
Cheshire Building So​ciety95.040.00
Old Mutual Asset Man​agers94.740.00
Citibank Internation​al94.400.80
Glitner Bank94.400.00
Newbury Building Soc​iety94.400.00
Mirabaud Investment ​Management94.120.00
PMI Europe93.900.00
Allied Irish Bank93.600.80
UBS Investment Bank93.600.80
SVS Securities93.600.00
Arab Bank93.440.00
Nationwide Building ​Society92.800.00
Paragon Group92.412.53
Landesbank Hessen-Th​uringen92.000.00
ABN AMRO91.200.00
Aberdeen Asset Manag​ement91.200.00
Isle of Man Bank Lim​ited91.200.00
M&​S Money91.200.00
Advantage Finance90.910.00
Morgan Stanley &​ Co. International90.400.80
Baines &​ Ernst90.400.00
BM Savings89.6054.40
Charles Stanley89.600.00
UKI Partnerships88.808.80
National Westminster​ Bank - NatWest88.800.00
West Bromwich Buildi​ng Society88.000.00
RBS Group86.400.00
Northern Trust85.600.00
Diners Club84.710.00
National Australia B​ank82.401.60
Hitachi Capital81.601.60
Building Societies A​ssociation81.600.00
Citigroup Global Mar​kets Limited81.600.00
Commerzbank81.600.00
Rathbone Investment ​Management Limited81.600.00
Pershing Securities81.180.00
First Trust Bank80.800.80
Ecology Building Soc​iety79.200.00
First Data Internati​onal79.200.00
Bank of New York Mel​lon (International) ​Ltd (The)78.400.80
Siemens Financial Se​rvices Limited76.000.00
Brewin Dolphin Holdi​ngs74.4010.40
Health Shield Friend​ly Society74.400.00
Debt Free Direct Gro​up71.200.00
Marks &​ Spencer Financial S​ervices71.200.00
Societe Generale Gro​up70.403.20
Standard Bank70.000.00
Tesco Personal Finan​ce Group Limited69.602.40
C. Hoare &​ Co68.870.00
Exeter Friendly Soci​ety68.800.00
Invesco Perpetual68.800.00
Co-operative Financi​al Services68.001.60
Butterfield Private ​Bank67.520.00
ICICI Bank UK66.400.80
Credit Suisse Group63.204.80
Vocalink61.600.00
Leumi Bank &​ Trust Company (Chan​nel Island)60.800.00
Cattles60.000.00
Barclays Capital59.200.00
Sumitomo Mitsui Bank​ing Corporation Euro​pe59.200.00
JP Morgan Asset Mana​gement58.400.00
James Hay58.400.00
Standard Life Bank56.800.00
British Bankers' Association53.600.00
Bank of Montreal52.800.00
Arbuthnot Banking Gr​oup49.600.00
MasterCard47.201.60
SWIFT46.400.00
Merrill Lynch43.200.80
Quick Quid40.0014.40
GMAC Commercial Fina​nce40.000.80
Moneysupermarket36.800.00
Britannia Building S​ociety35.201.60
Chelsea Building Soc​iety34.400.00
Cater Allen Private ​Bank33.600.00
MoneyGram Internatio​nal29.600.80
Western Union UK27.2012.80
More Than27.200.80
Barclaycard26.401.60
Goldman Sachs Intern​ational22.400.00
Direct Line Financia​l Services21.600.00
M&​G Investments19.200.00
Rabobank Internation​al17.600.00
CCLA Investment Mana​gement17.110.00
Barclays Group16.804.80
ClearDebt15.204.00
AWD Moneyextra15.200.00
Genworth Financial15.200.00
Capital Resolve14.040.00
Euler Hermes Group13.600.80
Quayle Munroe13.600.00
The Money Shop12.800.00
Charles Schwab UK12.001.60
Practice Plan12.000.00
Travelex Global and ​Financial Services11.960.00
Smile11.200.00
Sainsbury's Bank10.400.00
Moneyfacts Group8.800.80
Lex Vehicle Leasing8.800.00
Standard Chartered B​ank8.800.00
Rothschild &​ Sons8.000.00
Family Investments7.200.00
Danske Bank5.600.00
HSBC Private Bank5.600.00
Investec Asset Manag​ement5.600.00
Scotiabank5.600.00
Jefferies Internatio​nal4.000.00
Mercer4.000.00
ARVAL3.330.00
MBNA Europe3.200.00
Standard Life Invest​ments3.200.00
Cambridge Building S​ociety2.402.40
Cash Converters2.402.40
Deutsche Bank2.400.00
Yorkshire Building S​ociety2.400.00
Royal Bank of Scotla​nd International1.600.00
Ulster Bank1.600.00
Cumberland Building ​Society0.800.80
Coventry Building So​ciety0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
Homeloan Management0.800.00
London Stock Exchang​e0.800.00
Airdrie Savings Bank​0.000.00
Altium Capital0.000.00
Coface UK0.000.00
Gulf International B​ank0.000.00
Numis Securities0.000.00
One Account0.000.00
Reliance Bank Limite​d0.000.00
Renaissance Capital ​Limited0.000.00
Secure Trust Bank Pl​c0.000.00
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.

  • Clarity Credit Management
  • Dudley Building Society
  • Julius Baer Investments
  • The Money Shop
  • Old Mutual Asset Managers
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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
  • Coface UK
  • Gulf International Bank
  • Numis Securities
  • One Account
  • Reliance Bank Limited
  • Renaissance Capital Limited
  • Secure Trust Bank Plc
  • 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
  • BCW Group
  • 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
  • LeasePlan UK
  • Bank Leumi (Jersey) Limited
  • LMS Holdings
  • Masterlease
  • Mortgage Force
  • Mortgage Next
  • Mortgages plc
  • Mortgage Trust
  • National Friendly
  • 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
  • DNB Norbank
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PDF testing

32.5% 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
37.97%
url/fetch/notfound
File not found
32.56%
file/image/badtype
Image file has incorrect type
19.40%
url/fetch/accessdenied
Access is denied
3.13%
url/fetch/noaddr
Host not found in DNS
2.10%
url/fetch/unknownstatus
Unknown status code received from web server
1.40%
url/fetch/timeout
Timeout downloading file
1.13%
url/fetch/badscheme
URL scheme was unrecognised
0.54%
url/fetch/connref
Connection refused by server
0.50%
url/fetch/exception
Exception while downloading file
0.48%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
21.69%
file/html/badentity
Invalid character in entity
21.30%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
17.36%
file/html/missingclose
An element is missing the required close tag
12.90%
file/html/badattr
Invalid attribute name
11.96%
file/html/badvalue
Invalid attribute value
5.40%
file/html/unknowntag
A start or end tag was found which was unrecognised
2.20%
file/html/missingattr
A start tag is missing required attributes
1.38%
file/html/closingunopened
A redundant close tag was found
1.14%
url/fetch/moved
A "301 Moved Permanently" response was received
1.12%