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1 Guinea Dumfries Commercial Bank
| Issuer | Dumfries Commercial Bank |
|---|---|
| Year | 1805 |
| Type | Local banknote |
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| Composition | Log in to see details |
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| In circulation to | Log in to see details |
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|---|---|
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| Protection type | Watermark |
| Protection description | Text DUMFRIES COMMERCIAL BANK |
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| Comments |
The Dumfries Commercial Bank was a short-lived provincial concern — it collapsed in 1808, just a few years after this note was issued, leaving creditors and noteholders in a difficult position. Scottish free banking in this period produced dozens of such institutions, many of them undercapitalised and dependent on local merchant networks that could unravel quickly.
The guinea denomination is a telling detail. Scotland's reluctance to fully abandon pre-decimal monetary conventions meant guinea-denominated instruments persisted in commercial use well after they had largely disappeared from English banking practice.