The phrase "breaks a bill" typically refers to exchanging a large denomination currency note for smaller ones. Antonyms, or opposite words, for this phrase could include "cashes a check," which refers to converting a check into cash, or "exchanges coins," which means swapping one form of currency for another. Another antonym could be "makes change," which involves providing smaller denominations of currency in exchange for larger ones. Additionally, "withdraws funds" could be an antonym for "breaks a bill," as it involves taking out money from an account in smaller increments rather than exchanging a large bill.