The widely accepted term is minor currency unit. Also often referred to as sub-currency, minor unit or subunit.
The internationally recognized nomenclature and technical descriptions of currencies, are codified in the International Organization for Standardization (ISO) standard ISO_4217.
At the above link you will find a tabulation of the currencies of the world, with a column to indicate how many digits (if any) are after the decimal separator.
There you will see that among the most commonly exchanged currencies, EUR, USD, GBP etc have 2 digits after the decimal separator. This is probably what you refer to as decimalised, although that term (in the context of world currencies ) is probably more associated with historical transitions, most recently the change from the more arcane LSD system to decimal pennies in 1971, ref Decimal_Day. JPY is most commonly exchanged currency having no digits after the decimal separator. So Japan is an example of a country whose currency has no minor currency unit.
For your usage example, if your original wording was of the format
: "This number describes cents, but it needs to be converted to dollars", it would be possible to rephrase as say : "This number describes cents which are dollar minor currency units, but it needs to be converted to dollars",
but that is surely less clear that your original, to any person even minimally conversant with US currency.
If your context is indeed US dollars, the first version above will IMO, be more easily comprehensible, because the US$ is the most well known currency on the planet. On the other hand, if your context is say a travelogue and you are in a more exotic currency, it might indeed be clearer to say something like : "This number describes fils, but it needs to be converted to Dinar (given that the fils is the minor currency unit of the Iraqi dinar, such that 1 dinar is subdivided into 1,000 fils)".