- Undine Spragg, a young woman, the protagonist
- Mr. Abner E. Spragg, a financier; he is manipulated by Moffatt to invest in his career
- Mrs. Leota B. Spragg, a housewife
- Elmer Moffatt, a cunning financier from Apex whom Undine marries, then divorces, and remarries
- Ralph Marvell, a New York society gentleman who marries Undine, has a son with her and is divorced by her
- Peter Van Degen, a man with whom Undine has an affair
- Clare Van Degen, married to Van Degen, unhappy with their marriage; she is Ralph Marvell's cousin who is deeply in love with him
- Charles Bowen, an elderly man from New York City, who acts as a kind of observer; friend of Laura Fairford
- Raymond De Chelles, a French aristocrat who marries Undine after she is widowed; he is her third husband
- Paul Marvell, Undine's and Ralph's child, Raymond's stepson
- Laura Fairford, Ralph Marvell's sister; due to the customs of the era, she needed to invite Undine to dinner in order for Ralph to indirectly see her again
- Henley Fairford, the husband to Laura Fairford
- Claud Walsingham Popple, a painter who paints a portrait of Undine
- Mrs. Heeny, a masseuse who initially keeps company with Undine and Mrs. Spragg and later with Undine and her son; she also keeps clippings of all high society events
- Celeste, the Spragg family's French maid
- Jim Driscoll, an American ambassador to England, whom Undine wishes to marry
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