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| 背面描述 | Brown guilloche-patterned reverse with the denomination numeral 20 repeated in each of the four corners within plain framed panels. The heading КРАЉЕВИНА ЦРНАГОРА is inscribed at the top centre, below which the central vignette shows a crowned double-headed eagle, with the large Cyrillic text ДВАДЕСЕТ ПЕРПЕРА beneath it. A two-line legal clause and a penalty warning for counterfeiting appear in smaller text in the lower portion of the note. |
| 背面铭文 | КРАЉЕВИНА ЦРНАГОРА ДВАДЕСЕТ ПЕРПЕРА Улутница издана на основу закона од 25. јула 1914. Приказање и про урање лажних улутница казниће се по §. 145 и 146. кривичног закона. |
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Montenegro's State Treasury issued this note in 1914 under genuinely desperate conditions — the country had been continuously at war since 1912, first in the Balkan Wars and then sliding directly into the First World War. The Treasury, not a central bank, was responsible for emission precisely because Montenegro lacked one. These notes were a fiscal improvisation, backed by little beyond the government's stated authority.
The 1914 series was printed in Serbia before the Austrian occupation severed that option entirely. By late 1915, Montenegro was overrun, and unredeemed treasury notes became effectively worthless overnight.