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Frequently asked questions Q Why are the banknotes changing? A The new family showcase the best of Scotland - its people and its heritage. The new notes each have distinctive design elements and strong colours giving each note its own individual character while the strong portraits and sweeping views of the Scottish World Heritage Sites gives a rich imagery and personality to each note. Clydesdale Bank is committed to protecting the public from fraud by using the latest security features. The range of new security features introduced include ‘Depth imageTM’ holograms.

Q Will I still be able to use the old Clydesdale Bank notes?

Q What should I do if I think the note is counterfeit?

A Yes. The old style banknotes will continue to be used along with the new banknotes. They will be removed from circulation as they become unfit for reissue in the normal manner.

A It is a criminal offence to hold or pass a banknote which you know to be a counterfeit.

Q How can I tell a note is genuine? A There are a number of security features described in this leaflet. You should check a few of these to determine if the note is genuine - it’s important not to rely on just one. If you have doubts, compare both sides of the banknote to one that you know is genuine. If still in doubt contact your local branch. Alternatively information is available on the Committee of Scottish Clearing Banks website at

For further information contact: Tel: 0141 950 4775/6 Email: Website:

If you have a banknote that you believe to be counterfeit, and you are sure who gave you the banknote, you should take it to the police immediately for investigation purposes. You will be given a receipt for the item which will be retained for investigation. If you have no knowledge of who gave you the banknote you are required to take it to Clydesdale Bank. You will be given a receipt for the item which will be retained by the branch. You will only be reimbursed for the suspect banknote if it is found to be genuine.

This publication is also available in large print, braille and audio. Speak to a member of staff for details.

Know your new family of banknotes Design and security features

Clydesdale Bank banknotes

A new family of banknotes

Clydesdale Bank has produced banknotes since it first started

In 1989 a number of changes were made. Production of the £1 note

business, on 7 May 1838. The Bank’s notes had portrayed various

was ended while the other banknotes were resized. The Bank used

Scottish landscapes and buildings but, in 1971, it broke with

this opportunity to refresh the designs.

Why a new family of banknotes?

What do the new designs feature?

What are the new security features?

Clydesdale Bank has produced a new family

• £5 Featuring Sir Alexander Fleming, who

Clydesdale Bank has also introduced a

tradition and introduced portraits of notable Scots to its notes. These were: £1

Robert the Bruce


Robert Burns


David Livingstone


The notes featured: £5

Robert Burns on the front and a vignette of a field mouse

of banknotes in celebration of the best of

discovered penicillin, on the front and

range of new security features to the

Scotland’s heritage, people and culture.

St Kilda on the reverse

banknotes, including innovative ‘Depth

from Burns' poem To a Mouse on the reverse; Introduced to coincide with the £10

This initially featured David Livingstone but was replaced, in 1997, by Mary Slessor on the front and a vignette of a map

Lord Kelvin

of Calabar and African missionary scenes on the back.

£100 Lord Kelvin £20 It was only in 1981 that the Bank launched a £50 note - with Adam Smith on it. £50

Homecoming celebrations in 2009, the

and The Old & New Towns of Edinburgh

The new banknotes each have distinctive

on the reverse

design elements and strong colours.

and innovative Scot, while the reverse of each note features one of Scotland’s five

horseback with the Monymusk Reliquary against a

World Heritage Sites.

Adam Smith on the front and a vignette of industry tools

• £20 Featuring Robert the Bruce on the front and New Lanark on the reverse • £50 Featuring Elsie Inglis, a suffragette

A new Depth imageTM hologram security feature has been used on the banknote family.

and surgeon, on the front and the Antonine Wall on the reverse

against a background of sailing ships on the back; and,

Glasgow on the back.

The strong portrait subjects, large denomination numerals and the use of colour give each note its own individual character while the sweeping views of the Scottish World Heritage Sites gives rich imagery and personality to the reverse of

• £100 Featuring Charles Rennie £100 Lord Kelvin on the front and a vignette of the University of

imageTM’ holograms.

front of each new note honours a prominent

Robert the Bruce on the front and a vignette of the Bruce on background of Stirling Castle;

• £10 Featuring Robert Burns on the front

the notes.

Mackintosh, architect and designer, on the front and the Heart of Neolithic Orkney on the reverse.

See next page for new features.

Main security features

Features for people with visual impairments

Depth imageTM hologram

Security thread

Look at the hologram and you will see

clearly visible on the banknote. If the

As Clydesdale Bank is committed to providing excellent service to all its customers, the new banknotes have been

that behind a prominent front image

banknote is held up and looked at with

designed to ensure that everyone can use our notes with confidence. As a result, we have incorporated specific design

there is a second image that moves left

a light source behind it, it is immediately

features in our new banknotes to aid people with visual impairments. These include:

and right behind the front image. In genuine

obvious that the metal strip is continuous in

Each banknote has a metal strip that is

banknotes the second image will clearly move

the paper. If you look carefully you can also see

behind the front image.

that it carries tartan patterns and, on the £20 and upwards,

• £10 - Front image is Robert Burns, reverse image is quill pens • £20 - Front image is Robert the Bruce, reverse image is swords • £50 - Front image is Elsie Inglis, reverse image is thistles • £100 - Front image is Charles Rennie Mackintosh, reverse image is a typical Mackintosh design.


denomination numerals.

Ultra violet


Raised bars

Large and bold

Raised bars on the left-hand side of

denomination numerals.

every note (except the £5 note), which are set slightly deeper than the rest of

The banknotes have a number of

the raised print, making it more

images that are only visible when

distinguishable. The £10 note has one bar,

looked at with an ultra violet light. The

the £20 note has two bars, the £50 note has five

multi coloured ultra violet images must


be precisely printed to be genuine. Vibrant colours which distinguish

Every banknote in the family has a watermark that consists of two elements. The first is the same image as the main portrait on the banknote. This should have fine detail and should enjoy a range of shades of grey from dark to light. The second, complementing the main watermark, is a white

Other security features Paper feel: The paper should feel crisp, not limp, waxy or shiny. Numbering: Each note has a unique number which is printed twice. Once on the bottom left (horizontally) and once on the upper right (vertically) on the front of the note.

watermark showing a key element of the design. The whiteness of

Always compare both sides of a suspect note with another note you

this watermark should contrast strongly with the complex shaded

know to be genuine. Security features should always be considered

main watermark.

as a group - not in isolation.

the notes.

bars, and the £100 note has ten.

£5 Banknote

£5 banknote front

Sir Alexander Fleming

St Kilda

(6 August 1881- 11 March 1955)

(Awarded 1986 and 2005)

Fleming, the son of an Ayrshire farmer, was the Scottish biologist and

St Kilda is one of only 24 global locations to be awarded 'mixed'

pharmacologist whose unexpected discovery and isolation of

World Heritage status for its natural and cultural significance. It is

penicillin in September 1928 marked the start of modern antibiotics

situated off the coast of the Outer Hebrides and comprises the islands

and the transformation of modern medicine.

of Hirta, Dun, Soay and Boreray. The archipelago, which was

While studying influenza, Fleming noticed that mould had developed accidentally on a set of culture dishes being used to grow the


Portrait of Sir Alexander Fleming together with his name, and dates of birth and death


Depiction of a microscope


Representation of the Staphylococci germ


St Kilda Wren


Boray Cliffs


Black legged Kittiwake




evacuated in 1930, bears the evidence of more than 2,000 years of human occupation in the extreme conditions prevalent in the Hebrides.

staphylococci germ. Two other scientists built on this work and

Its islands with their exceptional cliffs and sea stacs form the most

developed penicillin further so that it could be produced as a drug.

important seabird breeding station in north-west Europe.

Fleming was knighted in 1944, while the work of all three was recognised by the award of the Nobel Prize in Medicine in 1945. It is estimated that, to date, penicillin has since saved the lives of some 200 million people.

£5 banknote reverse




£10 Banknote Robert Burns

£10 banknote front

(25 January 1759 – 21 July 1796)

Old and New Towns of Edinburgh

Robert Burns is the best-known of the poets who wrote in Scots.

(Awarded 1995)

Born in Alloway, South Ayrshire and the eldest of seven children,

Edinburgh has been the Scottish capital since the 15th century.

Burns is regarded as a pioneer of the Romantic movement and

It has two distinct areas: the Old Town, dominated by a medieval

became a great source of inspiration to the founders of both

fortress; and the neoclassical New Town, whose development from

liberalism and socialism. Also known in Scotland as The Bard, Burns

the 18th century onwards had a far-reaching influence on European

is widely regarded as the national poet of Scotland and his work is

urban planning. The blend between the organic medieval Old Town

celebrated worldwide. Burns’ birthplace is now a public museum as

and the planned Georgian New Town, is what gives the city its

is his house in Dumfries. Every year his life and work is celebrated

unique character.


Portrait of Robert Burns together with his name, and dates of birth and death


Depiction of Tam O’Shanter and his mare, with witch in pursuit


Lines taken from poem Tam O’Shanter


Depiction of Robert Burns Cottage


Depth ImageTM Hologram of Robert Burns


A view of the Old & New Towns of Edinburgh from Calton Hill


An aerial view of Edinburgh New Town


A view of Edinburgh Old Town

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around the world on the 25 January.

£10 banknote reverse

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£20 Banknote

£20 banknote front

Robert the Bruce

New Lanark

(11 July 1274 – 7 June 1329)

(Awarded 2001)

Robert the Bruce was King of the Scots (1274-1329) and led

The small 18th century village, set in Clyde Valley, New Lanark is

Scotland in the Wars of Scottish Independence, which culminated in

where the philanthropist and Utopian idealist Robert Owen built a

The Treaty of Edinburgh, 1328. This recognised Scotland as an

model industrial community in the early 19th century. The imposing

independent kingdom, and Bruce as its king. According to legend,

cotton mill buildings, the spacious and well-designed workers'

while he was on the run during the winter of 1305-06, Bruce hid

housing, and the dignified educational institute, school and public

himself in a cave on Rathlin Island off the north coast of Ireland,

buildings were designed to improve their spiritual as well as physical

where he observed a spider spinning a web. Each time the spider

needs and testify to Robert Owen's humanism. Owen’s social

failed, it started over again until it succeeded. Inspired by this, Bruce

philosophy in matters such as progressive education, factory reform,

returned to inflict a series of defeats on the occupying English force,

humane working practices, international cooperation, and garden

thus winning him more supporters and eventual victory.


Portrait of Robert the Bruce together with his name, and dates of birth and death


Depiction of Robert the Bruce on horseback


Depiction of a spider and its web


Depth ImageTM Hologram of Robert the Bruce


Vignette depicting aerial view of New Lanark


19th Century drawing of New Lanark


Image of new Lanark Cotton Mill

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cities, have had a profound influence on social developments throughout the 19th century and beyond.

£20 banknote reverse




£50 Banknote Elsie Maud Inglis

£50 banknote front

(16 August 1864 – 26 November 1917)

Frontiers of the Roman Empire – The Antonine Wall

Having trained as a doctor in Edinburgh and Glasgow, Inglis became

(Awarded 2008)

concerned at the level of care for women following her work in

The Antonine Wall was constructed in 142 AD on the orders of the

maternity hospitals. In 1894, with Jessie MacGregor, Inglis opened a

Emperor Antonius Pius as a defence against the 'barbarians' of the

maternity hospital in Edinburgh for poor women, staffed entirely by

North and constitutes the north western-most portion of the Roman

women. She was to later play an important role in founding the

Frontier. Running for 60km, the Wall stretched across the narrow

Scottish Federation of Women's Suffrage Societies. During the First

waist of Scotland from Bo'ness on the River Forth to Old Kilpatrick on

World War Inglis set up the Scottish Women's Hospitals which

the River Clyde, consisting of a turf rampart fronted by a great ditch,

eventually sent over 1000 women doctors, nurses, orderlies and

with a strategic system of forts and camps. The wall was abandoned

drivers to war zones across Europe.

after only twenty years, when the Roman legions withdrew to

In April 1915 Inglis took a women's medical unit to Serbia. During an

Hadrian's Wall in 162 AD. The Wall is part of the 'Frontiers of the

Austrian offensive in the summer of 1915, Inglis was captured but

Roman Empire World Heritage Site', which includes Hadrian's Wall

eventually, with the help of the American diplomats, British authorities

and the Upper Raetian German Limes.


Portrait of Elise Inglis together with her name, and dates of birth and death


Depictions of the front of the High Street, Edinburgh Hospice


A flag pin reading ‘Votes for Women’ and a collection box reading ‘Help the Scottish Women’s Hospitals’


Depth ImageTM Hologram of Elsie Inglis


Aerial view of Antonine Wall at Kinneil Fortlet


Defensive pit holes (Lillia) at Kinneil Fortlet


Vignette depicting aerial view of the Antonine Timber Posts

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£50 banknote reverse

were able to negotiate the release of Inglis and her medical staff.




£100 Banknote

£100 banknote front 1

Portrait of Charles Rennie Mackintosh together with his name, and dates of birth and death


A black perforated address plate reading 'The Glasgow School of Art 167'


A Rennie Mackintosh original door-light design


The front of The Glasgow School of Art


Depth ImageTM Hologram of Charles Rennie Mackintosh

occurring landscapes. He moved to London in 1927 where he died


View of the Rings of Brodgar

the following year, of throat cancer.


Aerial view of the Neolithic settlement, Skara Brae


Aerial view of the Rings of Brodgar

Charles Rennie Mackintosh

Heart of Neolithic Orkney

(7 June 1868– 10 December 1928)

(Awarded 1999)

One of eleven children, Mackintosh was born in Glasgow and is

The group of Neolithic monuments on Orkney consists of a large

celebrated around the world as one of the most creative figures of the

chambered tomb (Maes Howe), two ceremonial stone circles (the

20th century.

Stones of Stenness and the Ring of Brodgar) and a settlement (Skara

A trained architect, to assist his professional development in 1884 Mackintosh commenced evening art classes at The Glasgow School of Art. It was here that he met his future wife, Margaret MacDonald. Along with her sister Frances MacDonald and Herbert MacNair, the artists were known as "The Four" and were amongst a wider group of artists and designers who collectively created "The Glasgow Style".

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Brae), together with a number of unexcavated burial, ceremonial and 2

settlement sites. The group constitutes a major prehistoric cultural landscape which gives a graphic depiction of life in this remote archipelago in the far north of Scotland some 5,000 years ago. They are an outstanding testimony to the cultural achievements of the Neolithic peoples of northern Europe.

Although involved in an array of projects, the building that helped make his reputation international was The Glasgow School of Art. In his later life Mackintosh focussed on watercolour painting,

£100 banknote reverse

particularly the relationship between man-made and naturally




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