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| 正面铭文 | ORAȘUL ARAD. Bilet de Cassă fil. 10 fil. Cassieria orașului plătește la dorința prezentatorului acestui bilet valoarea nominală în bani legali. Consiliul comunal. |
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| 背面铭文 | 1920 fil. 10 fil. Falsificătorii acestui bilet vor fi urmăriți, ca falsificători de bani legali, conform codului penal. |
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Arad's municipal emergency notes of 1920 fill a narrow but genuinely awkward gap in Romanian monetary history. The city had passed from Hungarian to Romanian administration following the 1918 armistice, and the transition left local commerce in a currency no-man's-land — Hungarian korona still circulating, Romanian leu not yet fully penetrating the region, and small change effectively nonexistent. Municipal authorities across Transylvania and the Banat issued their own fractional notes as a stopgap, Arad among them.
The filér denomination is a telling detail: a Hungarian subunit, still in use by name even under new Romanian administration.