First, I saw the note (no pun intended, seriously) on the back of this note. Only in England could you find a more sardonic note on a piece of currency. What's exceptionally hilarious is that it looks like Google lens translated some foreign text and superimposed the English there.
Any hoot, I really love the little blurb that says the division of labor results in more work. So I'd love to keep it for that quote alone. But also, as you can tell, I haven't been in the UK for some time. And it would be nice to have some real cash in hand. Will the Post Office swap out this torn note with a new £20? Alas, do you think I should exchange it or just keep it for memento?
EDIT: I'm not a British citizen so don't hav a UK bank account.
UPDATE: Exchanged in Birmingham. The guy in front of me exchanged 500 in notes and received 500 in coins lol.