If a customer wants to break a koban into ichibunkin (a quarter of a koban) or tobangin into copper coins, that is, if he wants to change a large currency for smaller ones which are more usable, he had to pay a commission called 'kirichin' which was usually more expensive than one for which small change was converted into a large currency.
小判を一分金に、あるいは豆板銀を銭に換えるなど、より使い勝手の良い小額の貨幣に両替する場合は切賃（きりちん）と呼ばれる手数料が発生し、少額貨幣から高額貨幣への両替手数料より割増されるのが普通であった。