Hello!

What do I read the money, please ? For instance, in English we say
$ 12.05 (twelve dollars and five cents), but in Portuguese e.g. this same value we say:
R$ 12, 05 (
doze reais e cinco centavos) - cents = centavos. My question is: what to read it in English? Should I say:
R$ 12,05 = "
twelve reais and five centavos" ? or R$ 12,05 = "
twelve reais and five cents" (if the latter is the correct form, why do I have to mix reais with cents and not "centavos"?)
Thanks,
Gabi