20 Pounds Clydesdale Bank

Clydesdale Bank's move to polymer for this denomination followed a broader UK push toward the substrate, though Scottish commercial banks operate under a distinct note-issuing regime that makes their polymer transition a separate procurement exercise from the Bank of England's. Clydesdale sources its polymer notes through the same De La Rue supply chain, but each series requires independent authorisation under the terms of the Scottish banknote regulations — a legal framework unchanged since the Bankers (Scotland) Act 1765.

Scottish commercial banknotes are not legal tender even in Scotland, a technicality that surprises most people who handle them daily without issue.