Hi Vmac -- You have a silver 1896 20 cent coin from the Canadian province of Newfoundland. It is worth perhaps $50 US dollars or so in catalog value for an average circulated coin, as long as it is not damaged, e.g., scratched, stained, cleaned, or gouged. Our picture shows an average circulated specimen. Worn coins are worth less; coins with less wear are worth more; damaged coins are worth zero. Here is a run-down of approximate catalog values for Newfie 5, 10, 20, and 50 cent coins. They all look very similar, differing only in size and the number of cents on the back.
The coin in the photo comes from eBay seller tradingcardsnsupplies and is in nice shape. CoinQuest thanks tradingcardsnsupplies for use of their image.
If you have a nice-looking specimen of one of these coins, you should seek out a knowledgeable collector or coin dealer for an in-person appraisal. The information below is very general and imprecise.
worn: $40 US dollars approximate catalog value
average circulated: $80
well preserved: $250
fully uncirculated: $700
5 cent coins dated after 1890 are more common and worth less
worn: $50 US dollars approximate catalog value
average circulated: $150
well preserved: $400
fully uncirculated: $900
10 cent coins dated 1865 or 1872 are more common and worth less - divide the above values by 2
10 cent coins dated after 1888 are more common and worth less - divide the above values by 5
10 cent coins dated 1873 or 1888 are scarce and catalog at $4000 in fully uncirculated condition
worn: $30 US dollars approximate catalog value
average circulated: $100
well preserved: $250
fully uncirculated: $800
20 cents dated 1900 are more common and worth less
worn: $35 US dollars approximate catalog value
average circulated: $120
well preserved: $500
fully uncirculated: $1500
50 cents dated after 1894 are more common and worth less
These are catalog values. See our Important Terminology link for a definition of what 'catalog value' means.
The 'nicks or gouges' in Vmac's description is disturbing. That sort of damage lowers the value of collectible coins considerably. If your coin looks like the one in the picture, it is worn but not damaged and collectors will buy it. But if it has significant scratches, nics, gouges, cleanings, stains or other detractions, then collectors won't buy the coin at any price.