What does the letter "s" mean at the end of the number and why?
A: Do you have any change?
B: Oh, sorry. I only have 20s.

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It's the plural of "a 20"  
Do you have change of a 20?
Yes, would you like 10s, 5s, or 1s.

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Thank you everyone

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You can read it as "I only have 20( dollar bill)s".

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You can also say “I’ve only got a 20”. It just means the person has a stack of 20s. More than one.

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Dependent on situation do they mean 20p or £20?