From DS9: In the Cards
Deep Space Nine wrote:
JAKE: Come on, Nog.
JAKE: Why not?
NOG: It's my money, Jake. If you want to bid at the auction, use your own money.
JAKE: I'm human, I don't have any money.
NOG: It's not my fault that your species decided to abandon currency-based economics in favour of some philosophy of self-enhancement.
JAKE: Hey, watch it. There's nothing wrong with our philosophy. We work to better ourselves and the rest of humanity.
NOG: What does that mean exactly?
JAKE: It means. It means we don't need money.
NOG: Well if you don't need money, then you certainly don't need mine.
So its just humans that don't have money? Other UFP members, say the Andorians, might use some sort of currency?