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| 正面描述 | At left of centre, an intaglio bust portrait of Vuk Stefanović Karadžić — Serbian linguist and language reformer — is set within an oval frame against a fine guilloche underprint in blue. The denomination numeral '20' appears in large figures at both the left and right margins, with bank name, value, and date inscriptions in Cyrillic letterpress across the upper and central registers. An anti-counterfeiting warning legend runs along the lower edge in smaller Cyrillic text. |
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| 背面描述 | The reverse is printed in blue on a plain paper ground with an overall guilloche border pattern. At centre right, a large vignette presents the Serbian double-headed eagle coat of arms within an ornate cartouche, while to the left the bank name and denomination are arranged in a stacked Cyrillic composition with the numeral '20' repeated at the left and right corners. |
| 背面铭文 | СРПСКА НАРОДНА БАНКА ПЛАЋА ДОНОСИОЦУ ДВАДЕСЕТ СРПСКИХ ДИНАРА |
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