Ruthwell is a village on the Solway Firth between Annan and Dumfries in Dumfries and Galloway in Scotland.
Ruthwell's most famous inhabitant was the Rev. Dr. Henry Duncan. He was a minister, author, antiquarian, geologist, publisher, philanthropist, artist and businessman. In 1810, Dr Duncan opened the world's first commercial savings bank, paying interest on its investors' modest savings.
In 1818, Duncan restored the Ruthwell Cross, one of the finest Anglo-Saxon crosses in the United Kingdom, now in Ruthwell church, which had been broken up in the Scottish Reformation.