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| 正面描述 | Printed in dark purple-brown on plain paper, the obverse centres on a guilloche oval vignette enclosing the bold numeral '20', flanked by two smaller oval guilloche panels each repeating the denomination, with the Hungarian Royal coat of arms positioned at top centre. Below the central vignette, letterpress text reads 'HÚSZ FILLÉR.' followed by a five-line redemption notice in the name of the Magyar Királyi Postatakarékpénztár, dated Budapest, 1920. Október 2-án, with a manuscript signature of the Állami Titkár Kormánybiztos at lower centre. An anti-counterfeiting notice runs along the bottom margin. |
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| 背面铭文 | 20 HÚSZ FILLÉR. |
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Hungary's postwar disintegration — territorial losses under Trézianon, rampant inflation, and the collapse of the Austro-Hungarian krone system — created an acute shortage of small-denomination coinage. The Postal Savings Bank stepped in to fill the gap with these low-value paper fillérs, essentially emergency fractional currency issued by a savings institution rather than a central bank, which was itself an extraordinary administrative arrangement.
The fillér denominations from this 1920 series are among the smallest-format notes Hungary ever put into general circulation, and they were handled accordingly — heavy wear and edge damage are nearly universal on surviving examples.