Charles (“Charley”) Wykeham: An Oxford undergraduate student, Charley is in love with Amy Spettigue.
Jack Chesney: An Oxford undergraduate student and Charley’s friend, Jack is in love with Kitty Verdun.
Colonel Sir Francis Chesney: Jack Chesney’s father, Colonel Chesney is visiting his son at Oxford. He first falls for Charley’s aunt’s money, but then makes another discovery.
Stephen Spettigue: Amy’s uncle and Kitty’s guardian, Spettigue is a greedy and irritable solicitor, the “villain” of the story.
Lord Fancourt Babberley (“Babbs”): An Oxford undergraduate student and Charley and Jack’s friend, Babbs grudgingly plays a part in Jack and Charley’s ruse by impersonating Charley’s aunt. He falls in love with Ela.
Brassett: Jack’s manservant
Donna Lucia d’Alvadorez: Charley’s wealthy aunt from Brazil, “where the nuts come from.”
Kitty Verdun: Mr. Spettigue’s ward, Kitty is in love with Jack.
Amy Spettigue: Mr. Spettigue’s niece, Amy is in love with Charley.
Ela Delahay: An orphan, Ela is the adopted niece and traveling companion of Donna Lucia d’Alvadorez. She is loved by Babbs.