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As far as I know, damaged money is still usable as long as it's not torn in two (or more) pieces. I've personally paid with damaged euro, Norwegian crowns, Canadian dollar, American dollar bills and many other bills (before the euro came.) If not you could simply use transparent tape and fix it yourself.

In the matter of currency it is still valid as long it's in one piece, you should be able to use it as payment or exchange it

If this is not the case or if the bill is in two (or more) pieces I would simply suggest asking the bank them self, and demand a different bill as is your right if the money can't be used as payment. ( if it's two or more pieces, heavily stained ea. for the currencies I have had experience with.)

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