20 Pfennig Bezirkssparkasse

Bezirkssparkasse Hofheim in Mainfranken was one of hundreds of district savings banks that resorted to Notgeld during the acute small-change shortages of 1917–1922, when hoarding and metal requisitioning had stripped coins from everyday commerce almost entirely. These local emergency issues were authorized under a patchwork of Bavarian and Reich-level tolerances rather than any single coherent policy — which is why denominations, designs, and redemption conditions varied so sharply from one issuer to the next, even within the same district.

Hofheim itself is a small market town in Lower Franconia. That a savings bank at this scale was producing its own paper scrip is a fair measure of just how badly the monetary system had fragmented by the early Weimar period.