Yes, cruise staff are generally allowed to keep additional cash tips handed to them directly by passengers, but this is separate from the "automatic gratuities" or "service charges" billed to a guest's onboard account. In 2026, most major lines (like Royal Caribbean, Carnival, and Disney) use an automated pooling system for the daily service charges, which are distributed among dining staff, stateroom attendants, and "behind-the-scenes" crew members. If you hand a specific crew member a cash tip, they typically keep it as a personal reward for exceptional service, though some lines may have internal policies requiring them to report or pool cash if the guest has opted out of the daily automatic gratuity. For the best impact, it is widely recommended to keep the automatic tips in place to support the entire crew and use cash as a supplemental "thank you" for your specific steward or waiter.