Infinitely many.
Choose any number X such that 0 < X < sqrt(20) and let Y = 20/X.
Then X*Y = X*20/X = 20 and since X was selected arbitrarily, there are infinitely many possible answers to the question.
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20 nickles
about 8
10 ways.10 ways.10 ways.10 ways.
how many ways to make 25p using 1p 2p 5p 10p 20 coins
It depends on the currency and so the coinage. For example, there are 20 (Euro) cent coins but not 20 US cents.