Murat was in no hurry to commence his reign, and his subjects showed no great anxiety to see their new ruler. But when King Joachim Napoleon, to give him his new title, arrived at Naples he was received with unexpected warmth. The new monarch, with his striking personality and good looks, at once captivated the hearts of his fickle Southern subjects. Joseph had been prudent and cold, Joachim was ostentatious and fiery. The Neapolitans had never really cared for their Bourbon sovereigns. Some of the noblesse had from interest clung to the old dynasty, but the greater part of the nobility cared little who ruled them so long as their privileges were not interfered with. Among the middle class there was a strong party which had accepted the doctrines of the French Revolution. The lower class were idle and lazy, and willing to serve any sovereign who appealed to them by ostentation. The people who really held the key of the hearts of the mass of the population were the clergy. Joseph, with his liberal ideas, had attempted to free the people from clerical thraldom. Joachim, however, with his Southern instincts, refused to deny himself the use of such a powerful lever, and quickly ingratiated himself with his new subjects. From the moment that he arrived at Naples the new King determined, if not to rule Naples for the Neapolitans, at least, by pretending to do so, to rule Naples for himself and not for Napoleon. It is not, therefore, surprising that before the close of the year 1808 friction arose, which was further increased by the intrigues of Talleyrand and Fouché. These ministers, firmly convinced that Napoleon would never return from the Spanish war, had decided that in the event of his death they would declare Murat his successor rather than establish a regency for the young son of Louis Napoleon, the King of Holland.
In pursuance of the plan of winning his subjects' affections Joachim had at once called to his aid Agar, who had so successfully managed the finances of the Grand Duchy of Berg. The difficulties of finance in Naples were very great, and with Agar the King had to associate the subtle Corsican, Salicetti, who had so powerfully contributed to the rise of Napoleon. Taxation in Naples was heavy, for the Neapolitans had to find the money for the war with their old dynasty, which was threatening them from Sicily, aided by the English fleet. To secure the kingdom against the Sicilians and English, a large Neapolitan army of thirty thousand troops had to be maintained along with an auxiliary force of ten thousand French. Moreover, the Neapolitans had to pay for having a King like Joachim and a Queen Consort like Caroline. The royal household alone required 1,395,000 ducats per annum. To meet this heavy expense the ministers had to devise all sorts of expedients to raise money. Regular taxation, monopolies, mortgages, and loans barely sufficed to provide for the budget. Still the King managed to retain his popularity, and in his own way attempted to ameliorate the lot of his subjects. He introduced the Code Napoleon. He founded a military college, an artillery and engineer college, a naval college, a civil engineer college and a polytechnic school. He also instituted primary schools in every commune, and started an École Normale for the training of teachers. He expanded the staff of the University and established an Observatory and Botanical Garden at Naples. He attempted to conciliate the Neapolitan noblesse by gradually dismissing his French ministers and officers and appointing Neapolitan nobles in their place. At the same time he abolished feudal dues and customs. He also attempted to develop industries by giving them protection. Above all, by the strict measures of his minister Manhes he established peace in the interior by breaking down the organised system of the freebooters and robbers. As time went on he found that the clergy and monks were too heavy a burden for his kingdom to bear, and, at the expense of his popularity, he had to cut down the numbers of the dioceses and parishes and abolish the religious orders.
From the first the new King grasped the fact that his kingdom would always be heavily taxed, and his throne insecure as long as the Bourbons, backed by the English, held Sicily. His plan of campaign, therefore, was to drive his enemy out of the smaller islands, and thereafter to demand the aid of French troops and make a determined effort against Sicily. In October, 1808, by a well-planned expedition, he captured the island of Capri, and caused the English commander, Sir Hudson Lowe, to capitulate. It was not till the autumn of 1810, however, that he was ready for the great expedition. Relying on the traditional hatred of the people of Messina for the Bourbons, he collected a strong force on the Straits, and waited till the moment when, after a gale, the English fleet had not yet arrived from the roads of Messina. On the evening of September 17th he sent away his advance guard of two thousand men in eighty small boats. Cavaignac, the commander of this force, secured the important villages of Santo Stefano and Santo Paolo. But at the critical moment the commander of the French division, acting according to the Emperor's orders, refused to allow his troops to cross. Before fresh arrangements could be made the English fleet reappeared on the scene, and Cavaignac and his force were thus sacrificed for no purpose. Joachim, as time showed, never forgave the Emperor for the failure of his cherished plan.
By the commencement of 1812, the coming Russian campaign overshadowed all other questions. Murat, who had earnestly begged to be allowed to share the Austrian campaign of 1809, was delighted to serve in person. But as King of Naples he refused to send a division of ten thousand men to reinforce the Grand Army, "as a Frenchman and a soldier he declared himself to the core a subject of the Emperor, but as King of Naples he aspired to perfect independence." It was this double attitude which, from the moment Murat became King, clouded the relations between him and Napoleon. But nevertheless, once he rejoined the Emperor at Dantzig, he laid aside all his royal aspirations and became the faithful dashing leader of cavalry.
During the advance on Moscow the cavalry suffered terribly from the difficulties of constant reconnaissances and want of supplies, but in spite of this Murat urged the Emperor not to halt at Smolensk, but to push on, as he believed the Russians were becoming demoralised. Scarce a day passed without some engagement in which the King of Naples showed his audacity and his talent as a leader. Notwithstanding, Napoleon, angry at the constant escape of the Russians, declared that if Murat had only pursued Bagration in Lithuania he would not have escaped. This reproach spurred on the King of Naples to even greater deeds of bravery, and so well was his figure known to the enemy that the Cossacks constantly greeted him with cries of "Hurrah, hurrah, Murat!" At the battle of Moskowa he and Ney completely overthrew the Russians, and if Napoleon had flung the Guard into the action, the Russian army would have been annihilated. In spite of the losses during the campaign, when the French evacuated Moscow Murat had still ten thousand mounted troops, but by the time the army had reached the Beresina there remained only eighteen hundred troopers with horses. When the Emperor deserted the Grand Army, he left the King of Naples in command, with orders to rally the army at Vilna. But Murat saw that it was impossible to re-form the army there, and accordingly ordered a retirement across the Niemen, a line which he soon found it was impossible to hold. On January 10, 1813, came the news that the Prussians had actually gone over to the enemy. It seemed as if Napoleon was lost, and Murat thereupon at once deserted the army, and set out in all haste for Italy, thinking only of how to save his crown.
The King arrived in Naples bent on maintaining his crown and on allowing no interference from the Emperor. But in spite of this he could not decide on any definite line of action. He was afraid the English and Russians would invade his country, but on the other hand his old affection for Napoleon, and a sort of sneaking belief in his ultimate success, prevented him from listening to the insidious advice of the Austrian envoy, whom the far-seeing Metternich had at once sent to Naples. If Napoleon had not in his despatch glorified Prince Eugène's conduct to the disparagement of the King of Naples, if he had only vouchsafed some reply to the King's persistent letters of inquiry whether he still trusted his old comrade and lieutenant, Murat would have thrown himself heart and soul into the mêlée on the side of his old friend. But in April Napoleon quitted Paris for the army in Germany without sending one line in reply to these imploring letters. Meanwhile on April 23rd came a letter from Colonel Coffin suggesting the possibility of effecting an entente between the English and Neapolitan Governments, or at any rate a commercial convention. Thereupon Murat sent officers to enter into negotiations with Lord William Bentinck, who represented the English Government in Sicily. All through the summer the negotiations were continued, but Murat, in spite of the guarantee of the throne of Naples which the English offered, could not break entirely with his Emperor and benefactor. Still Napoleon, in his blindness, instead of attempting to conciliate his brother-in-law, allowed articles to his disparagement to appear in the Moniteur. Nevertheless Murat at bottom was Napoleon's man. Elated by the Emperor's success at Lützen and Bautzen, although he refused to allow the Neapolitan troops to join the Army of Italy under Prince Eugène, he hurried off in August to join the French army at Dresden. There a reconciliation took place between the brothers-in-law. But after the defeat at Leipzig King Joachim asked and obtained leave to return to his own dominions.
His presence was needed at home, for in Italy also the war had gone against the French. Prince Eugène had had to fall back on the line of the Adda, and the defection of the Tyrol had opened to the Allies the passes into the Peninsula. Murat, in his hurry, had to leave his coach snowed up in the Simplon Pass and proceed on horseback to Milan, where he halted but a few hours to write a despatch to the Emperor, which practically foretold his desertion. He declared that if he, instead of Eugène, was entrusted with the defence of Italy, he would at once march north from Naples with forty thousand men. He had indeed never forgotten the slight put upon him by the article in the Moniteur, after the Russian campaign, and he was ready to sacrifice even his kingdom if only he could revenge himself on his enemy, Eugène. As Napoleon would not grant him this request, he determined to humiliate Eugène, and, at the same time, to save his crown by negotiating with the enemy. On reaching Naples, he found that his wife, who hitherto had been an unbending partisan of the French, had entirely changed her politics and was now pledged to an Austrian alliance. The King was ever unstable, vanity always governed his conduct: the Queen was always determined, governed solely by a cold, calculating ambition. Negotiations were at once opened with the Austrians. The King protested "that he desired nothing in the world so much as to make common cause with the allied Powers." He promised that he would join them with thirty thousand troops, on condition that he was guaranteed the throne of Naples, and that he should have the Roman States in exchange for Sicily. Meanwhile he addressed an order of the day to his army, stating that the Neapolitan troops should only be employed in Italy. This of course did not commit him either to Napoleon or the Austrian alliance. Meanwhile the Emperor had despatched Fouché to try to bind his brother-in-law to France, but that distinguished double-dealer merely advised the Neapolitan King to move northwards to the valley of the Po with all his troops, and there to wait and see whether it would be best to help the French, or to enter France with the Allies, and perhaps the Tuileries as Emperor.
Joachim Napoleon quietly occupied Rome and pushed forward his troops towards the Po, using the French magazines and depôts, but still negotiating with the Austrians, and, at the same time, holding out hopes to the purely Italian party. For the national party of the Risorgimento were striving hard to seize this opportunity to unite Italy and drive out the foreigner, and no one seemed more capable of carrying out their policy than the popular King of Naples. The Austrians flattered the hopes of "young Italy" by declaring in their proclamation that they had only entered Italy to free her from the yoke of the stranger, and to aid the King of Naples by creating an independent kingdom of Italy. Still Murat hesitated on the brink. As late as the 27th of December he wrote to the Emperor proposing that Italy should be formed into two kingdoms, that he should govern all the peninsula south of the Po, and that the rest of the country should be left to Eugène. Three days later the Austrian envoy arrived with the proposals of the Allies. But he could not yet make up his mind, and, moreover, the English had not yet guaranteed him Naples. In January, however, these guarantees were given, and against his will he had to sign a treaty. Scarcely was the writing dry when he began to negotiate with Prince Eugène. He used every artifice to prevent a collision between the French and Neapolitan troops. When the campaign opened his troops abandoned their position at the first shot, while he himself took good care not to reach the front until the news of Napoleon's abdication arrived.
But Murat's conduct had alienated everybody. The French loathed him for his duplicity; the Allies suspected him of treachery, and the party of the Risorgimento looked on him as the cause of their subjection to the foreigner; for the Austrian victory had not brought Italy unity and independence, but had merely established the fetters of the old régime. During the remainder of 1814 the lot of the King of Naples was most unenviable. The restored Bourbons of France and Spain regarded him as the despoiler of the Bourbon house of Sicily. Russia had been no party to the guarantee of his kingdom. England desired nothing so much as his expulsion. Austria alone upheld him, for she had been the chief party to the treaty; but Metternich was waiting for him to make some slip which might serve as a pretext for tearing up that treaty. Even the Pope refused the bribe which the King offered him when he proposed to restore the Marches in return for receiving the papal investiture. In despair Murat once again entered into negotiations with the Italian party. A general rising was planned in Lombardy, but failed, as the Austrians received news of the proposed cession of Milan. With cruel cunning they spread the report that the King of Naples had sold the secret. Henceforward Murat had no further hope. Foreigners, Italians, priests, carbonari and freemasons, all had turned against him.
Such was the situation when on March 8, 1815, the King heard that Napoleon had left Elba. As usual he dealt double. He at once sent a message to England that he would be faithful, while at the same time he sent agents to Sicily to try to stir up a revolt against the Bourbons. As soon as the news of Napoleon's reception in France arrived, he set out at the head of forty thousand troops, thinking that all Italy would rise for him. But the Italians mistrusted the fickle King; the Austrian troops were already mobilised, and accordingly, early in May, the Neapolitan army fled homewards before its enemies. King Joachim's popularity was gone. A grant of a constitution roused no enthusiasm among the people. City after city opened its gates to the enemy. Resistance was hopeless, so on the night of May 19th the King of Naples, with a few hundred thousand francs and his diamonds, accompanied by a handful of personal friends, fled by sea to Cannes. But the Emperor refused to receive the turncoat, though at St. Helena he bitterly repented this action, lamenting "that at Waterloo Murat might have given us the victory. For what did we need? To break three or four English squares. Murat was just the man for the job." After Waterloo the poor King fled before the White Terror, and for some time lay hid in Corsica. There he was given a safe conduct by the Allies and permission to settle in Austria. But the deposed monarch could not overcome his vanity. He still believed himself indispensable to Naples. Some four hundred Corsicans promised to follow him thither. The filibustering expedition set out in three small ships on the 28th of September. A storm arose and scattered the armada, but in spite of this, on October 7th, the ex-King decided to land at Pizzo. Dressed in full uniform, amid cries of "Long live our King Joachim," the unfortunate man landed with twenty-six followers. He was at once arrested, and on October 13th tried by court martial, condemned to death, and executed a few hours later.