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Remarks:
The 20 kwacha banknote issued by the Bank of Zambia in 2024 features an intricate design and advanced security features. It measures 124 mm in length and 69 mm in width. The front of the banknote is primarily printed in shades of purple and blue, with inscriptions in English.
Graphic elements include the Bank of Zambia logo, a floral pattern serving as a registration device, a depiction of a tractor plowing a field, and an African fish eagle in flight. A map of Zambia is also visible, rendered with optically variable ink (OVI). The Zambian coat of arms is also present. The banknote incorporates a windowed security thread with the demetalized Bank of Zambia logo and the value '20'.
The back of the banknote, also in English, features a water buffalo and a candelabra tree, as well as two standing antelopes. The Chishimba Falls are also depicted, along with a floral pattern. The watermark of the banknote depicts an African fish eagle with the electrotype '20', as well as another African fish eagle.
The banknote was printed by Giesecke+Devrient, a company located in Leipzig, Germany. The inscriptions on the front include the promise of payment to the bearer of twenty kwacha by the Bank of Zambia. The back displays the national motto 'ONE ZAMBIA ONE NATION' as well as the face value 'TWENTY KWACHA'.