20 Pounds Clydesdale Bank

Clydesdale Bank's long interwar and wartime series of £20 notes occupies an awkward position in Scottish banknote collecting — high face value meant restricted circulation, with most examples passing through commercial rather than retail hands. The practical consequence is that genuinely worn examples are harder to find than one might expect; notes of this denomination were typically handled carefully and returned to the bank promptly, leaving a survival pattern skewed toward lightly used rather than heavily circulated pieces.

The twenty-five year date span reflects reissue continuity rather than a single print run — Clydesdale retained the authority to issue its own notes under the Currency and Bank Notes Act 1928, which brought English notes under stricter control but left Scottish banks largely intact.