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The story takes place in Victorian London, where two very rich, eccentric brothers give the penniless story protagonist, Henry Adams, one million pounds of money in the form of a single peerless bank note. Henry would not be easily able to exchange that note in the bank without being questioned about how he had come to it, charged with theft and arrested. He would also not be able to spend it since no ordinary person would be able to change it.

When the young American Henry Adam accidentally finds himself alone and penniless in London, he unwittingly becomes the subject of an astounding bet between two brothers. He is presented with a bank note for one million pounds, to use as he pleases for a month. One brother believes the note will prove useless to him. The other believes that, even though nobody will be able to offer him change, the American’s mere possession of the bank note will mean that plenty of people will offer him credit.

Two wealthy gentlemen decide to give a poor stranger a million-pound bank note to see what he will do with it. The results are very unexpected.

Henry Adams is a poor American who ends up penniless in London after a boating accident swept him out to sea. One day he stumbles upon two brothers who hand him a suspicious envelope. What Henry does not know is that it contains a million pound bank note and that he is the subject of a bet. One of the brothers thinks that the bank note is completely useless since it cannot be exchanged for cash. The other brother has the opposite opinion. They are giving Henry one month to prove them right or wrong.