The article examines the early history of provident institutions or trustee savings banks in Ireland. Combining aggregate data and an archive-based study of one savings bank, it describes the growth and performance of this ‘institutional import’. By and large, Irish savings banks catered for the lower-middle and middle classes, not the poor as intended by the founders of the movement. The article also explains how the collapse of three savings banks in 1848 dealt savings banks in Ireland as a whole a blow from which they never really recovered.
