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How do you convert money on a cruise?

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.



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.

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Many of the larger cruise lines will have the facilities to change your currency onboard. However you may want to avoid this option as your required currency might be unavailable or there could be long queues. You're also not guaranteed to get the best exchange rates.

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As US Dollars are so widely used across the Caribbean, a secure currency card can be really handy for your holiday spends. Simply load it with dollars before you go and you can top up while you're travelling, withdraw money from cash machines and make contactless payments.

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You will most likely need cash while you're off the ship, especially in foreign ports. Not only can it save you money in foreign transaction fees that most credit card companies charge, but if you're traveling to certain parts of the world, you may encounter places where credit cards aren't accepted.

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Never have anything in your back pockets, as this makes it very easy for pickpockets to target you. Some prefer to have fanny packs in leu of a crossbody during their shore excursions, which can be a great solution for carrying valuables and keeping money in a safe place.

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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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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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Use the ship's safe, or bring your own. When not in use, your jewelry and cash should be kept in a safe. Every cruise ship cabin comes with a safe; there also are portable safes you can purchase for added security. (Crewmembers, like any hotel staff, have the ability to open your safe in the event you're locked out.)

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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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10 Ways to Cruise When You're Totally Broke
  1. Learn how to hunt for deals. ...
  2. Sail close to home. ...
  3. Look at budget-friendly cruise lines. ...
  4. Go during peak hurricane season. ...
  5. Don't bet on seven days. ...
  6. Book an inside cabin. ...
  7. Eat only in free dining venues. ...
  8. Fill up on free drinks.


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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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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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You can get better rates by ordering foreign currency from your local bank or credit union before you start your trip. Correct! Banks and credit unions generally offer the best exchange rates, and many won't charge extra fees to exchange currency. Remember to order the foreign currency before you start your trip.

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Ensure cabin safety and make sure the door and balcony are properly locked at all times. Consider storing your travel documents and other valuables in a secure spot, such as a room or ship's safe.

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On most cruises, you'll be able to use both cash and your cruise card. At the tables, your cash will be turned into chips or you can charge the price of the chips on your cruise card. Most slot machines will just take your cruise card, but some will also take cash.

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61% tip their stateroom attendant an additional $20–$40 per couple per week, 26% tip $40–$70, and 13% tip an additional $70–$140. The average amount tipped to the head waiter was an additional $20–$50 per week per couple.

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If your cruise steward goes above and beyond, a cash tip at the end of your stay to show your appreciation. We recommend tipping your cruise steward $3-5 per person daily.

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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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If you're bringing the whole family, a 5 or 7 day cruise might be the best way to make sure everyone has an awesome getaway. And for those lucky folks with even more time to spare, a cruise of 10 days or more will give you an incredible experience of all the best things a cruise has to offer.

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