diff --git a/packages/bcp/src/encode.spec.ts b/packages/bcp/src/encode.spec.ts
index 220d6d2e..9b5138bc 100644
--- a/packages/bcp/src/encode.spec.ts
+++ b/packages/bcp/src/encode.spec.ts
@@ -14,9 +14,9 @@ import {
 import { Encoding } from "@iov/encoding";
 
 import {
+  amountToBankCoin,
   buildSignedTx,
   buildUnsignedTx,
-  encodeAmount,
   encodeFee,
   encodeFullSignature,
   encodePubkey,
@@ -75,9 +75,9 @@ describe("encode", () => {
     });
   });
 
-  describe("encodeAmount", () => {
+  describe("amountToBankCoin", () => {
     it("encodes an amount", () => {
-      expect(encodeAmount(defaultAmount, defaultTokens)).toEqual({
+      expect(amountToBankCoin(defaultAmount, defaultTokens)).toEqual({
         denom: "uatom",
         amount: "11657995",
       });
diff --git a/packages/bcp/src/encode.ts b/packages/bcp/src/encode.ts
index 52dd0670..e0446735 100644
--- a/packages/bcp/src/encode.ts
+++ b/packages/bcp/src/encode.ts
@@ -10,7 +10,7 @@ import {
   SignedTransaction,
   UnsignedTransaction,
 } from "@iov/bcp";
-import { Decimal, Encoding } from "@iov/encoding";
+import { Encoding } from "@iov/encoding";
 
 import { BankTokens, Erc20Token } from "./types";
 
@@ -33,30 +33,20 @@ export function encodePubkey(pubkey: PubkeyBundle): types.PubKey {
   }
 }
 
-export function decimalToCoin(lookup: BankTokens, value: Decimal, ticker: string): types.Coin {
-  const match = lookup.find(token => token.ticker === ticker);
-  if (!match) {
-    throw Error(`unknown ticker: ${ticker}`);
-  }
-  if (match.fractionalDigits !== value.fractionalDigits) {
+export function amountToBankCoin(amount: Amount, tokens: BankTokens): types.Coin {
+  const match = tokens.find(token => token.ticker === amount.tokenTicker);
+  if (!match) throw Error(`unknown ticker: ${amount.tokenTicker}`);
+  if (match.fractionalDigits !== amount.fractionalDigits) {
     throw new Error(
       "Mismatch in fractional digits between token and value. If you really want, implement a conversion here. However, this indicates a bug in the caller code.",
     );
   }
   return {
     denom: match.denom,
-    amount: value.atomics,
+    amount: amount.quantity,
   };
 }
 
-export function encodeAmount(amount: Amount, tokens: BankTokens): types.Coin {
-  return decimalToCoin(
-    tokens,
-    Decimal.fromAtomics(amount.quantity, amount.fractionalDigits),
-    amount.tokenTicker,
-  );
-}
-
 export function encodeFee(fee: Fee, tokens: BankTokens): types.StdFee {
   if (fee.tokens === undefined) {
     throw new Error("Cannot encode fee without tokens");
@@ -65,7 +55,7 @@ export function encodeFee(fee: Fee, tokens: BankTokens): types.StdFee {
     throw new Error("Cannot encode fee without gas limit");
   }
   return {
-    amount: [encodeAmount(fee.tokens, tokens)],
+    amount: [amountToBankCoin(fee.tokens, tokens)],
     gas: fee.gasLimit,
   };
 }
@@ -101,7 +91,7 @@ export function buildUnsignedTx(
             value: {
               from_address: tx.sender,
               to_address: tx.recipient,
-              amount: [encodeAmount(tx.amount, bankTokens)],
+              amount: [amountToBankCoin(tx.amount, bankTokens)],
             },
           },
         ],
diff --git a/packages/bcp/types/encode.d.ts b/packages/bcp/types/encode.d.ts
index 2c84e8e9..8589e217 100644
--- a/packages/bcp/types/encode.d.ts
+++ b/packages/bcp/types/encode.d.ts
@@ -1,10 +1,8 @@
 import { types } from "@cosmwasm/sdk";
 import { Amount, Fee, FullSignature, PubkeyBundle, SignedTransaction, UnsignedTransaction } from "@iov/bcp";
-import { Decimal } from "@iov/encoding";
 import { BankTokens, Erc20Token } from "./types";
 export declare function encodePubkey(pubkey: PubkeyBundle): types.PubKey;
-export declare function decimalToCoin(lookup: BankTokens, value: Decimal, ticker: string): types.Coin;
-export declare function encodeAmount(amount: Amount, tokens: BankTokens): types.Coin;
+export declare function amountToBankCoin(amount: Amount, tokens: BankTokens): types.Coin;
 export declare function encodeFee(fee: Fee, tokens: BankTokens): types.StdFee;
 export declare function encodeFullSignature(fullSignature: FullSignature): types.StdSignature;
 export declare function buildUnsignedTx(