The commemorative banknote is vertically oriented. On the front of the banknote at top is the national emblem of the People's Bank of China and a seal with the character "马" (horse). A decoratively adorned horse gallops to the right across the banknote. At bottom is the gold-to-green color-changing denomination number 20 and the Chinese characters "贰拾圆" (twenty yuan), a dynamic holographic stripe, a transparent window, tactile marks for the blind and the serial number.
The holographic stripe displays multicolored dynamic effects as the note is tilted, revealing "Ruyi cloud patterns," "camellia flowers," and the character "福" (meaning "good fortune"). A three-dimensional, dynamic, high-gloss ring effect is visible within the "田" character (meaning "field") component at the bottom of the "福" character.
The back of the banknote is rather simplistic in design, showing three children celebrating the new year by dancing with gongs and drums. Decorative patterns of round nomadic yurts are shown in the background. At top, one sees the denomination numeral 20 and the Chinese pinyin letters for "YUAN". At bottom, flowers and a dynamic holographic pattern are included. The transparent window at the bottom of the banknote contains the decorative pattern of the character "福" (meaning "blessing") within the "Octagonal Flower Window" in gold. Beside the year of issue (2026), the Governor's seal is shown. The text at the very bottom is the "The People's Bank of China" in Chinese pinyin and the four ethnic languages of Mongolian, Tibetan, Uyghur and Zhuang.
