diff --git a/num2words/base.py b/num2words/base.py
index 243045ff..c0c2481e 100644
--- a/num2words/base.py
+++ b/num2words/base.py
@@ -278,6 +278,7 @@ def to_currency(self, val, currency='EUR', cents=True, separator=',',
         Returns:
             str: Formatted string
 
+        Handles whole numbers and decimal numbers differently
         """
         left, right, is_negative = parse_currency_parts(val)
 
@@ -294,17 +295,31 @@ def to_currency(self, val, currency='EUR', cents=True, separator=',',
 
         minus_str = "%s " % self.negword.strip() if is_negative else ""
         money_str = self._money_verbose(left, currency)
-        cents_str = self._cents_verbose(right, currency) \
-            if cents else self._cents_terse(right, currency)
-
-        return u'%s%s %s%s %s %s' % (
-            minus_str,
-            money_str,
-            self.pluralize(left, cr1),
-            separator,
-            cents_str,
-            self.pluralize(right, cr2)
-        )
+
+        # Explicitly check if input has decimal point or non-zero cents
+        has_decimal = isinstance(val, float) or str(val).find('.') != -1
+
+        # Only include cents if:
+        # 1. Input has decimal point OR
+        # 2. Cents are non-zero
+        if has_decimal or right > 0:
+            cents_str = self._cents_verbose(right, currency) \
+                if cents else self._cents_terse(right, currency)
+
+            return u'%s%s %s%s %s %s' % (
+                minus_str,
+                money_str,
+                self.pluralize(left, cr1),
+                separator,
+                cents_str,
+                self.pluralize(right, cr2)
+            )
+        else:
+            return u'%s%s %s' % (
+                minus_str,
+                money_str,
+                self.pluralize(left, cr1)
+            )
 
     def setup(self):
         pass
diff --git a/tests/test_am.py b/tests/test_am.py
index 58709c37..2712f6e7 100644
--- a/tests/test_am.py
+++ b/tests/test_am.py
@@ -73,7 +73,7 @@ def test_to_currency(self):
         )
         self.assertEqual(
             num2words('0', lang='am', to='currency', separator=' እና',
-                      cents=True, currency='ETB'), 'ዜሮ ብር እና ዜሮ ሳንቲም'
+                      cents=True, currency='ETB'), 'ዜሮ ብር'
         )
 
         self.assertEqual(
diff --git a/tests/test_en.py b/tests/test_en.py
index 4ab267c6..48abc588 100644
--- a/tests/test_en.py
+++ b/tests/test_en.py
@@ -86,7 +86,7 @@ def test_to_currency(self):
         self.assertEqual(
             num2words('0', lang='en', to='currency', separator=' and',
                       cents=False, currency='USD'),
-            "zero dollars and 00 cents"
+            "zero dollars"
         )
 
         self.assertEqual(
diff --git a/tests/test_en_ng.py b/tests/test_en_ng.py
index 6d7e72e5..6e5343b7 100644
--- a/tests/test_en_ng.py
+++ b/tests/test_en_ng.py
@@ -51,7 +51,7 @@ def test_to_currency(self):
                 separator=separator,
                 kobo=False
             ),
-            "zero naira and 00 kobo"
+            "zero naira"
         )
 
         self.assertEqual(
diff --git a/tests/test_hu.py b/tests/test_hu.py
index d0c159dc..5041e03e 100644
--- a/tests/test_hu.py
+++ b/tests/test_hu.py
@@ -169,7 +169,7 @@ def test_to_currency(self):
         self.assertEqual(
             num2words('0', lang='hu', to='currency', separator=' és',
                       cents=False, currency='HUF'),
-            "nulla forint és 00 fillér"
+            "nulla forint"
         )
 
         self.assertEqual(
diff --git a/tests/test_nl.py b/tests/test_nl.py
index 95c690f4..56af50f7 100644
--- a/tests/test_nl.py
+++ b/tests/test_nl.py
@@ -77,7 +77,7 @@ def test_to_currency_eur(self):
         self.assertEqual(
             num2words('0', lang='nl', to='currency', separator=' en',
                       cents=False, currency='EUR'),
-            "nul euro en 00 cent"
+            "nul euro"
         )
 
         self.assertEqual(
@@ -100,7 +100,7 @@ def test_to_currency_usd(self):
         self.assertEqual(
             num2words('0', lang='nl', to='currency', separator=' en',
                       cents=False, currency='USD'),
-            "nul dollar en 00 cent"
+            "nul dollar"
         )
 
         self.assertEqual(