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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 |
| 背面描述 | Printed in brown on a light cream ground, the reverse is dominated by a large central guilloche underprint with a paired-eagle or decorative vignette at centre. The denomination numeral '20' appears in each of the four corners within lightly ornamented frames, and an elaborate foliate border runs the full perimeter. The issuer name КРАЉЕВИНА ЦРНАГОРА and the denomination ДВАДЕСЕТ ПЕРПЕРА are set in bold Cyrillic letterpress, followed by the authorising legal clause and a warning against counterfeiting. |
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Montenegro's 1914 note issue came directly out of wartime fiscal desperation. When the First World War began, the principality — elevated to a kingdom in 1910 — lacked a proper central bank entirely. The Glavna Državna Blagajna, a state treasury office rather than a banking institution, stepped in to issue emergency paper currency, an arrangement that underscores just how rudimentary the country's monetary infrastructure was.
The 1914 series circulated through the Austro-Hungarian occupation beginning in January 1916, after which these notes lost legal tender status under the occupiers. Many were subsequently demonetized and destroyed, making intact survivors rarer than the Pick listing might suggest.