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| 正面描述 | Blue-tinted note with an intricate guilloche underprint and geometric border. At centre, the royal coat of arms of Montenegro is set within the guilloche field, flanked on either side by the numeral 5 in each corner. The upper portion carries the issuing legend in Cyrillic followed by the denomination in large Cyrillic letters; the date 'Цетиње, 25. јула 1914' appears in the lower portion alongside two manuscript signature lines for the President of the Main State Control and the Minister of Finance. |
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| 背面铭文 | 5 КРАЉЕВИНА 5 ЦРНА ГОРА ПЕТ ПЕРПЕРА Упутница издана на основу закона од 25. јула 1914. |
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Montenegro's 1914 paper issues were produced under severe fiscal pressure — the Perpera had only been established as the country's currency unit in 1906, and by the outbreak of the First World War the government had neither a central bank nor the infrastructure to manage a sustained paper currency. The Ministry of Finance issued these notes directly, bypassing any banking intermediary entirely.
When Austro-Hungarian forces occupied Cetinje in January 1916, remaining stocks of Montenegrin paper money became largely worthless almost overnight. Surviving circulated examples frequently show the creasing and wear consistent with notes that passed through many hands in a very short window before the occupation ended their practical use.