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20 Pounds Clydesdale Bank
| Issuer | Clydesdale Bank |
|---|---|
| Year | 2009-2015 |
| Type | Log in to see details |
| Value | 20 Pounds |
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| Composition | Log in to see details |
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| Obverse description | Log in to see details |
|---|---|
| Obverse lettering | CLYDESDALE BANK TWENTY POUNDS STERLING Clydesdale Bank PLC promise to pay to the Bearer on demand Twenty Pounds Sterling at their office here By order of the Board of Directors |
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| Reverse lettering | Clydesdale Bank £20 New Lanark - Scottish World Heritage Site inscribed 2001 |
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| Comments |
Clydesdale Bank is one of three Scottish commercial banks retaining the right to issue their own sterling banknotes — a privilege rooted in the Bank Notes (Scotland) Act 1845, which grandfathered existing issuers rather than creating new ones. Every Scottish pound note in circulation must be backed one-for-one by either Bank of England notes held in reserve or, for amounts above £1 million, by gold deposited at the Bank of England. The system is legally unambiguous but persistently misunderstood by the English public.
With just over 12 million printed across a six-year window, this issue ran at a modest annual volume — consistent with the £20 being a workhorse denomination but Clydesdale holding a smaller market share than the clearing banks south of the border.