Translation guide
How to express having money readily available, from cash in your wallet to funds at your disposal.
I don't have enough money on hand.
How much money do you have on hand?
Means 'cash'. Often used when contrasting with credit cards or digital payments.
I have some cash on me.
Refers to the money you happen to have with you at the moment. Often used in the phrase 持ち合わせがない (I don't have enough on me).
Sorry, I don't have any money on me.
The speaker wants to talk about money they can access quickly, such as in a bank account or wallet app.
The speaker wants to confirm or state they have sufficient funds for something.
Pattern meaning 'have enough money for ~'. Replace 〜 with the amount or purpose.
I have enough money on hand for the trip.
手持ち (てもち) strongly implies physical cash you are carrying. 手元 (てもと) is broader and can include money in a nearby account or wallet app. Use 手持ち for 'cash in my wallet' and 手元 for 'funds at my disposal'.
I don't have cash on me, so I'll go to an ATM.
I have enough money on hand, so it's fine.
Do not translate 'money on hand' word-for-word as 手のお金 or 手の上のお金. These are unnatural. Use the phrases above.
How much money do you need on hand?