It’s 20 past 3 (Official clock system).

03:20

It’s 20 past 3.

Correct answer

02:40

It’s 20 to 3.

Error: mirror minute hand about the vertical axis

03:04

It’s 4 past 3.

Error: read minutes as hours with ‘past’ or ‘to’

04:15

It’s a quarter past 4.

Error: confuse hour and minute hands