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no the 20$ doesnt come with it lol,. 20 is for size comparison this beautiful bill is 89 yrs old ; 1923; SILVER CERTIFICATE !this is also unique because if you look most silver certificates federal reserve saves upon demand in silver this one says SILVER DOLLAR is being held on demand the back of the bill is shockingly differnt then what we are acustomed to, the note is huge compared to what we are acustomed to. the rest discribes itself in the photos, somethings are worth owning heres one of em,..no#V9895684B GOOD LUCK ILL LIST IT FAST FOR YA GET GOING!