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| 正面铭文 | SLOBI KRALI GRAD KARLOVAC FILIRA 50 FILIRA |
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| 背面铭文 | Gradska blagajna u Karlovcu isplaćuje na ovu novčanicu u zakonitoj krunskoj vrijednosti filira 50 filira Ova novčanica izdana je dozvolom Ministra financija od 24. listopada 1919. broj 3009 i vrijedi samo za područje grada Karlovca do konca lipnja 1920. Patvorenje se kazneno progoni. U Karlovcu, dne 15. studenoga 1919. Gradonačelnik (signature) (Translation: The city treasury in Karlovac pays on this banknote in legal crown value fillirs 50 fillirs This banknote was issued with the permission of the Minister of Finance from October 24, 1919, number 3009 and valid only for the area of the city of Karlovac until the end of June 1920. Forgery is prosecuted. In Karlovac, on November 15, 1919. Mayor (signature)) |
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Karlovac's City Treasury issued these small-denomination emergency notes in 1919 to address the acute coin shortage that followed the collapse of Austro-Hungarian monetary infrastructure. Municipal and local-authority issues of this type proliferated across the former empire's successor territories in 1918–1919, filling the vacuum before the new Kingdom of Serbs, Croats and Slovenes could establish stable fractional coinage. Karlovac, sitting at a historic crossroads of four rivers and multiple administrative jurisdictions, had particular logistical reasons to act locally rather than wait.
The 50 filira denomination places this squarely in the Croatian monetary tradition — filir being the Croatian-language rendering of the Austro-Hungarian heller.