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| 正面铭文 | Главна Државна Благајна исплатиће доносиоцу ове упутнице Двадесет Перпера ДВАДЕСЕТ ПЕРПЕРА Вриједи за годину дана. Цетиње, 25. јула 1914. Предсједник Главне Државне Контроле, Министар финансија, (Translation: Glavna Državna Blagajna isplatiće donosiocu ove uputnice Dvadeset Perpera DVADESET PERPERA Vrijedi za godinu dana. Cetinje, 25. jula 1914. Predsjednik Glavne Državne Kontrole, Ministar finansija. IN ENGLISH: The General State Treasury will pay the bearer of this note Twenty Perper TWENTY PERPER Valid for one year. Cetinje, 25 July 1914. President of the General State Control, Minister of Finance.) |
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Montenegro's 1914 issue came at the worst possible moment — the country had barely concluded the Balkan Wars when the First World War broke out, and these notes circulated under conditions of acute financial stress and eventual Austrian occupation. The Glavna Državna Blagajna was not a central bank in any formal sense; it was a state treasury issuing paper against silver perpera that increasingly could not be produced in the required quantities.
The thin paper used throughout the series is a known vulnerability — surviving examples frequently show fold breaks and edge fragility disproportionate to their apparent circulation wear.