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How should one read "3.24元"?
四块五毛两分 or 四块五毛二
二元、二毛、二分 are all unnatural. Use 两 when 块 毛 or 分 is followed, use 二 if not.
零 is used when there’s 0 毛 but nonzero 分 and 块.
元 角 分 are standard Mandarin, while 块 毛 分 are colloquial usage. If it is an exam or some formal occasion you need to use the corresponding, but it is perfectly understandable to mix it up on a daily basis.
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