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Assuming you have two €20 notes, which have no other purpose, making change from €50 is no different to making change from €10.

It's more likely a concern about a counterfeit note, although I've never had that problem with a €50.

Right, but if at the start of the day you've got no €20s but 4x€10 in your till, that could be change for 4 customers with €20s - or a single customer with a €50.

And a policy of "no €50s" is simpler and clearer than a policy of "€50s accepted only if we have at least 2 €20s in the till" which means customers won't know if they can pay until they reach the till.

The reasons a small business might not keep a large float of €20s in their till is probably obvious!

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