It is still 20 cents. A decimal representation does not imply a change in the measurement units. If this is required then you need to specify the units into which the quantity is to be converted.
0.20
O.20
One and a half cents in decimals is 0.015
Five and one half cents in decimals is 0.055
it is in simplest form unless you want to write in decimals.....
$0.05
2.2 cents
0.01
0.555
0.565
0.505
You write it as 3.5 cents.
Without decimals there would be no difference between dollars and cents.
$0.045