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1. Finding a phony paper or polymer note

Polymer ₤ 5 and ₤ 10 notes have actually totally replaced paper notes considering that 2018, while this year has seen the release of polymer ₤ 20 notes into blood circulation.

All notes will be polymer by the end of 2021, when the Bank of England anticipates to have issued a ₤ 50 polymer note.

But with paper notes still in circulation and polymer notes having additional safety functions to make them harder to counterfeit, what should you be watching out for to find if your money is phony?

First, let's take a look at how to find a phony paper banknote. If you're particularly interested in identifying phony plastic notes, scroll straight to point eight.

These are printed on an unique material, so make certain you examine how the paper feels.

A real banknote has a cloth-like feel, while a phony note will feel more like standard paper.

₤ 50 banknote (Image: Bank of England).

2. Raised print.

Run your finger throughout the paper note and if it's real, you should be able to feel the raised print on areas such as the words 'Bank of England' on the front.

If it's a counterfeit, the note is unlikely to have a textured feel to it and will feel flat all over.

3. Inspect the metal thread.

A metal thread is embedded in every paper banknote.

This looks like silver dashes on the back of paper ₤ 20 and ₤ 50 notes (see more information on spotting fake paper ₤ 20 notes on this Bank of England page).

The thread is woven through the paper-- not just printed on-- so when you hold it as much as the light it ought to look like a constant dark line.

This appears as brilliant green dashes on the front of ₤ 50 notes.

Each dash is really a window which includes pictures of the '₤' symbol and the number '50'. When the note is tilted from side to side, the images move up and down.

When the note is tilted up and down, the images move from side to side and the number '50' and '₤' symbol swap places.

4. Check the watermark.

If you hold a genuine note up to the light, you should see a picture of the Queen's picture.

Nevertheless, if you can still see the watermark when the note is flat and not held up to the light, it's most likely to be a dodgy note.

5. Inspect the print quality.

The printed lines and colours on genuine notes will be detailed and sharp and devoid of spots or blurred edges. So ensure you check the information carefully.

If the quality is bad or untidy, you've got yourself a fake!

6. Examine under ultra-violet light.

This isn't so convenient if you have actually simply been provided a banknote in a store, however if you're really identified to discover whether your note is phony or real, put it under ultra-violet light.

If it's the genuine offer, its value will appear in brilliant red and green numbers while the background will be dull in contrast.

The paper ₤ 20 and counterfeit money for sale ₤ 50 notes likewise have brilliant red and green flecks randomly topped the front and back of the note.

7. Use a magnifying glass.

Utilize a magnifying glass to look closely at the lettering below the Queen's portrait. On a genuine note, ornamental swirls spell out the worth of the note in little letters and numerals.

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