Converting money on a cruise in 2026 is largely handled digitally or via Guest Services, though it is rarely the best value. Most modern ships have a Bureau de Change at the Front Desk/Purser’s Office where you can swap major currencies like USD, EUR, or GBP for the local currency of the next port of call. However, the exchange rates are notoriously poor and often include a service fee. Many ships also have onboard ATMs, but these typically dispense only the "Ship’s Currency" (usually USD or EUR) and charge high transaction fees (often $6.00 or more). In 2026, the recommended method is to use a travel-focused credit card (like Revolut, Monzo, or a Sapphire Preferred) that offers "Mid-Market" exchange rates with zero foreign transaction fees. You can use these cards at ATMs in port for better rates. For small incidental cash needs, some ships offer "currency packs" for purchase, but for the modern traveler, your smartphone’s digital wallet and a "No-Fee" physical card are the most efficient tools for conversion.