从语法上讲有区别,但从意思上讲没区别,
don't have 否定的是have,所以翻译成没有,
have no 否定的是no后面的名词,如你题中的money.
但在回答疑问句时,Do you have money?
按习惯应该回答：No,I don't (have).不应回答成：No,I have no money.