The Word “And”
American number wording often omits “and” inside the whole number: 125 becomes “one hundred twenty-five.” British wording commonly uses “one hundred and twenty-five.” In US check wording, “and” frequently separates whole dollars from the cents fraction: “One Hundred Twenty-Five and 50/100 Dollars.”
Neither pattern should be switched halfway through a document. Follow the form, institution or house style that applies to the transaction.
Currency Vocabulary
US currency uses dollar/dollars and cent/cents. British currency uses pound/pounds and penny/pence. GBP 1.01 is “One Pound and One Penny”; GBP 2.02 is “Two Pounds and Two Pence.” A bare dollar sign is insufficient in an international agreement because it may refer to USD, CAD, AUD or another dollar currency.
American documents usually say “check,” while British documents use “cheque.” The spelling does not change the amount, but matching the receiving institution's language improves clarity.
Formatting Across Borders
State the ISO currency code beside figures and write the full currency name in words. Confirm decimal and thousands separators before conversion: 1,234.56 and 1.234,56 may express the same value in different locales. Do not copy punctuation without identifying its meaning.
When a contract includes both forms, define which representation controls if they conflict. That is a drafting decision for the parties or their adviser, not something a converter can decide.