Many thanks for all your help guys.
As some of you pointed out, this is a strange request as 1.99999999 is clearly nearer 2 than 1, but apparently this is how the banks work it - gotta get every penny out of you!!
I eventually used the ((int)*100)/100.
This seemed to work, but after rounding down 4 different amounts and adding them together a strange thing happened.
The amounts added together were 20.74, 5.00, 5.00, 5.00. This should have totalled 35.74, but instead it came back with 35.73!! Can't understand it. I tried it with just the first 3 calculations and it came back with 30.74 - which is right!
As I said . . . WEIRD! I shall persevere
Thanks again though