Can I get cash on a Royal Caribbean cruise?

There are ATM services onboard and limited currency conversion services. There is a withdrawal fee to use the ATMs onboard.



Yes, you can access cash on a Royal Caribbean cruise through several methods. Every ship is equipped with at least one ATM, typically located in or near the Casino Royale, which dispenses U.S. Dollars for a transaction fee (usually around $5–$6). For those who prefer to avoid ATM fees, you can get a cash advance at the Casino Cashier desk. This amount is charged to your SeaPass account (the ship's "cashless" credit system); however, be aware that a convenience fee (typically 5%) is often applied to these transactions. If you have a "Points Choice" loyalty status (new for 2026) or a high tier in Club Royale, some fees may be waived. Additionally, you can break larger bills at the Guest Services desk or the Casino, though they generally do not provide direct "cash back" from your SeaPass account without a transaction fee or casino play requirement.

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There is a $500 daily limit on cash accounts for 7+ night sailings and $300 for 2/3/4/5 night sailings. Once the daily cash limit is reached, we will call the guest and inform the guest that the limit has been reached.

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Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences, but there are a lot of variables to consider.

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Cruise Cash provides a credit to a guest's Sail & Sign account. This credit is good for any charge made to the guest's account including taxes and gratuity charges.

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Everything you pay for onboard a cruise is added to a cruise account, usually using your cruise card. This card is your room key, but it also serves as your payment card during the ship. Everything is added to an account, which you then have to pay off on the last morning of your cruise.

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Most veteran cruisers recommend that you budget between £75-£100 per day for other costs. You can cut back on spending and reduce your budget. However, you're probably going to need at least £50 a day. So, once you've booked your cruise, you'll want to set aside around £350-£700 for other costs.

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We recommend paying for on shore purchases that are over $10 with a credit card to reduce the amount of cash you need to carry when off-ship and for a good record of your purchase, and use pocket change or local currency for the rest.

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7-8 Daytime Outfits On your 7 day cruise, you'll need a casual daytime outfit for each day, plus at least one backup outfit in case you get wet.

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Never use a debit card on a cruise. In many situations you can use cash for the pre-authorisations, but just remember that you'll need to have enough to cover the full amount of this charge, which, in some cases, can be pretty steep. You'll then get your cash back at the end of your stay or cruise, minus any charges.

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If you plan to remove tips from your onboard bill, you will need to plan in advance to bring enough cash for personal tipping, then wait in a potentially long line at the guest services desk to remove the auto-gratuities and chase down all the crew members you wish to thank on the last evening.

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There are limited currency conversion options onboard, however we do accept most major currencies and convert them to US dollars with applicable conversion rates, and at a limit of $950 USD per person per day.

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