Duncan 's model was rapidly adopted across Scotland , the rest of the UK and continental Europe .
The first true savings bank was established by Rev. Henry Duncan in the Dumfriesshire village of Ruthwell in 1810 .
Rev. 's model was rapidly adopted across Scotland , the rest of the UK and continental Europe .
The first true savings bank was established by Rev. Henry Duncan in the Dumfriesshire village of Ruthwell in 1810 .