Legal Decimal Style

By default, decimals are read digit by digit. For legal and banking output you often need positional wording instead, such as Forty-Five Hundredths. Use decimalStyle: 'fraction' for that.

Digit Style vs Fraction Style

import { ToWords } from 'to-words';

const tw = new ToWords({ localeCode: 'en-US' });

tw.convert(0.45); // "Zero Point Four Five"
tw.convert(0.45, { decimalStyle: 'fraction' });
// "Forty Five Hundredths"

Currency and Cheque Flows

tw.convert(1234.56, { decimalStyle: 'fraction' });

tw.convert(1234.56, {
  currency: true,
});

decimalStyle: 'fraction' affects plain decimal conversion. It does not currently turn currency output into slash notation like 56/100, so cheque-specific xx/100 formatting still belongs in your document layer.

Slavic Fraction Rules

Some locales such as Polish and Russian apply a singular rule to fractional wording. The library handles that internally when the locale defines it.

import { ToWords } from 'to-words';

const pl = new ToWords({ localeCode: 'pl-PL' });
pl.convert(0.21, { decimalStyle: 'fraction' });

When To Use It

• Cheque or check printing
• Legal contracts and financial paperwork
• Formal invoice wording
• Regions where positional fractional phrases are standard

Related

• Cheque printing
• Currency guide
• Polish locale