20 Dirhams

This series ran across a decade that saw the UAE's economy shift dramatically on the back of accelerating oil revenues and early diversification spending — but the note itself was never a policy statement, just a workhorse denomination that handled mid-range retail transactions in a cash-heavy economy. The pairing of Sheikh Hamdan bin Rashid al-Maktoum as Finance Minister alongside Central Bank Governor Muhammad Eid al-Muraikhi places this firmly within the long institutional stability that characterized UAE monetary administration through this period.

Security provision is minimal by later standards — watermark only, no security thread. The Central Bank moved toward significantly upgraded security features in subsequent issues, making this series the last of the relatively simply protected UAE notes before modern anti-counterfeiting demands reshaped the currency program.