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| 正面描述 | The obverse is executed in reddish-brown on a light ground, with an elaborate symmetrical border of ornate arabesque and foliate scrollwork enclosing the central text field. The Montenegrin state coat of arms — a double-headed eagle — appears in a vignette at upper left, flanked by decorative vertical panels with interlaced strapwork. The central text in Cyrillic announces the denomination 'ДВАДЕСЕТ ПЕРПЕРА' in large bold letterpress, with manuscript-style signatures of the President of the Main State Control and the Minister of Finance below, and the serial number and series letter printed in the lower margin. |
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| 背面描述 | The reverse is printed in pale grey-brown with a dense all-over guilloche underprint incorporating repeated numeral '20' in each corner within octagonal frames. The issuer's name 'КРАЉЕВИНА ЦРНАГОРА' is set in bold Cyrillic capitals across the upper portion, with the denomination 'ДВАДЕСЕТ ПЕРПЕРА' in large letters below. A central vignette of a double-headed eagle is surrounded by fine lathe-work patterns, and two lines of legal warning text in smaller Cyrillic script appear at the foot of the note. |
| 背面铭文 | КРАЉЕВИНА ЦРНАГОРА ДВАДЕСЕТ ПЕРПЕРА Упутница издана на основу закона од 25. јула 1914. Прављење и протурање лажних упутница казниће се по § з. 145 и 140. кривичног закона. |
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