I have no ready money

[Xinfu]

Situation:

I usually pay for goods by credit card, so I just have $1000/500 notes, which are large denomination notes in my area and not commonly used in daily retail transactions, but not coins and $10/20/50/100 notes. I think saying

-I don't have coins and $10/20/50/100 notes.

is too cumbersome; can I convey the meaning by this?:

-I have no ready money.

[chileno]

In Chile we would say "No tengo sencillo" meaning lower denomination bills and/or coins. I don't think it is like that in other Hispanics countries.

[Rusty]

... can I convey the meaning by this?:

-I have no ready money.No, 'ready money' is used to mean that you have the amount needed, and you do, indeed. The real question is can the merchant accept a large denomination note. (Can they make change?)

You could say, "The smallest note I have is ____. Will you accept that?"

[Xinfu]

Thank you, Rusty~

How about if a man asks me 'Could you give me change for a $500 note?'? Is it natural English to say?:

-Sorry, I don't usually keep coins and small denomination notes.

[poli]

Thank you, Rusty~

How about if a man asks me 'Could you give me change for a $500 note?'? Is it natural English to say?:

-Sorry, I don't usually keep coins and small denomination notes.
The most common way to say I have no ready money in English is to say
I have no cash.
Ready money usually means a very large amount in the bank as opposed to money invested in things.

Can you change a $100 bill? or Do you have change for a $100 bill?
This is American English. British English used notes instead of bills

Do you need the term in Spanish? Chileno provided you with one term. There are others.

[ROBINDESBOIS]

How can we say ready money in Spanish.?

[poli]

metálico