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20 Kwacha

Issuer Bank of Zambia
Year 2015-2022
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Printer Giesecke+Devrient (Giesecke & Devrient), Leipzig, Germany (1852-date)
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Obverse description An African fish eagle perched on a branch occupies the right portion of the note, set against a vignette of a leafy tree rendered in intaglio. To the left, a holographic security patch and the Zambian coat of arms appear above the year date, with guilloche underprint in pink and green tones across the entire field. The denominations "K20" appear in the upper corners and lower right, with the legend "BANK OF ZAMBIA" arching across the top.
Obverse lettering BANK OF ZAMBIA, PROMISE TO PAY THE BEARER ON DEMAND, TWENTY KWACHA, FOR THE BANK OF ZAMBIA, Governor
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Signature(s) Denny Kalyalya
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