Financial capitals and the spoken reading, for invoices and contracts
壹仟贰佰叁拾肆圆伍角陆分
The capitals form is what invoices and cheques require — 12.5 becomes 壹拾贰圆伍角整, with 整 appended when the fen digit is zero. The spoken form reads digit by digit after 点. Anything beyond two decimals is rounded to fen.