AED 20

Obverse: Dubai Creek Golf & Yacht Club Building
Signatures: Sheikh Hamdan bin Rashid al-Maktoum
(Minister of Finance); Muhammad Eid al-Muraikhi (Chairman of the Board of Directors).

Reverse: Sparrowhawk; Local Dhow (sailboat) called Sama'a.
Watermark: Sparrowhawk's head in profile.

Lettering:
UNITED ARAB EMIRATES CENTRAL BANK
TWENTY DOLLARS