20 Kwacha

Beschrijving voorzijde	Portrait of Dr. Hastings Kamuzu Banda in an oval vignette at right, set against an intricate guilloche underprint. At centre, a pastoral lakeside scene shows fishermen in a traditional dugout canoe beneath a palm tree, with distant hills along the shoreline. Denomination values in K20 appear at upper left and lower right corners, with serial number and date of issue printed below the central vignette.
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Beschrijving keerzijde	The Reserve Bank of Malawi headquarters building rendered as a central vignette, framed by intricate guilloche lacework borders in green and red tones. Denomination indicators K20 appear at upper left and upper right, with the bank title and value inscriptions arranged across the top and lower registers. The overall design employs a multicolour underprint with rosette ornaments at the corners.
Opschrift keerzijde	RESERVE BANK OF MALAWI PROMISE TO PAY THE BEARER ON DEMAND THE SUM OF TWENTY KWACHA
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