Do you have to exchange money on a cruise?

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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You could always withdraw local currency from ATMs when you arrive, and some cruise ships offer a Bureau de Change and ATMs onboard. Most ships offer a currency conversion programme on major credit cards or, alternatively, your card issuer will convert currency for you.

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Most ports of call we visit on domestic cruises accept U.S dollars. In addition, while in port, guests may visit local banks to obtain currency exchange or use local Automatic Teller Machines (ATM) to withdraw money. We do not offer a currency exchange service on board.

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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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So how much money do you need? The answer to this question varies a lot by person, their travel habits, spending preferences, length of the cruise and destination. 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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How much should you tip cruise waiter? The cruise gratuities cover the wait staff, so you're not obligated to give them any more of a cash tip. However, if you received outstanding service from a waiter and would like to show them your appreciation with a cash tip, $5 per day per passenger is the suggested amount.

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Tips & Gratuities While some cruise lines include tips in your fare, on some lines it isn't mandatory if you aren't satisfied with their service. Generally though, most cruise lines where gratuities aren't included, we suggest tipping $10 to $15 per day per passenger.

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Debit card This method of payment is not recommended. If you use a debit card, a request for pre-authorization will be made by the cruise line to ensure the availability of funds. This request will freeze the pre-authorized amount for up to 30 days.

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You are certainly welcome to bring cash to enjoy your vacation experience. There are ATM services onboard and limited currency conversion services. There is a withdrawal fee to use the ATMs onboard.

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Strictly speaking, you don't need cash on a cruise ship. All onboard purchases are made using your onboard account, and then cleared at the end of the cruise, which you can do with your card. Some people choose to take cash for tips, or to spend while visiting ports. It's up to you whether you take cash with you.

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(1). You have the right to refuse this automatic gratuity charge and may compensate cruise staff on your own terms. However, you will need to notify the front desk of this desire. Otherwise it will appear on your bill when your cruise ends and it will be charged to your credit card on file.

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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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If you do not prepay cruise gratuities before sailing, the cruise line will add them to your onboard bill. The cruise line will then charge your credit card for the gratuity amount at the end of the sailing – along with other purchases you made with your cruise card (drinks, souvenirs, spa treatments, tours, etc.).

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While the automatic service charges will cover their basic gratuities, it's generally considered good form to tip them a bit extra for a job well done, especially if you have made any special requests. Should you choose to, for a seven-night cruise, consider tipping about $2 to $3 per person, per day.

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Benefits of Prepaying Gratuities Another advantage is that cruise lines regularly raise gratuity amounts. So if you book a cruise for a year from now, the gratuity price may be higher when you sail. People that pay beforehand are grandfathered in under the rate they've already paid.

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Most guests bring $50-$120 cash per day to spend during the cruise. You will have many opportunities to purchase duty free goods, take exciting shore excursions, buy local souvenirs, play your chance in the casino, or enjoy some pampering in the spa.

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How to Get Free Stuff on a Cruise: 8 Tips to Know
  1. Be Brave and Get Onstage for Free Prizes. ...
  2. A Spa Tour Just Might Come With Free Perks. ...
  3. Proving Your Cruise Line Loyalty for Free Stuff. ...
  4. Score Freebies Shopping on Your Cruise. ...
  5. Win Prizes at Onboard Trivia and Other Games. ...
  6. Attend an Art Auction for Free Bubbles.


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“I always want you to pay for a cruise with a credit card, never with a debit card,” Clark says. Aside from the better consumer protections credit cards offer, Clark points to another reason why you'd want to use a credit card to pay for your cruise.

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Prices for cocktails on cruise ships usually run about $10-14 per drink, before gratuity. So expect to spend about $12 to $16.50 per beverage when gratuity is added. Here is a sample menu from a recent Carnival cruise to give you an idea of what's offered.

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7 Night Cruises - Usually on Day 2 and 6. 8 - 10 Night Cruises - 2 Formal Nights, Days vary by ship and sailing. 11 - 14 Night Cruises - 3 Formal Nights, Days vary by ship and sailing. 15+ Night Cruises - 3 or 4 Formal Nights, Days and number vary by ship and sailing.

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ATMs are typically available on board cruise ships belonging to major cruise lines like Carnival, Royal Caribbean, Norwegian, Celebrity, Holland America, Princess (& many others). However, most charge considerably higher fees for use in addition to any charges assessed by your bank.

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