How do you spend money on a cruise?

How do I pay for purchases onboard? All onboard purchases are paid for using your cruise card, which doubles as your room key. This card is set up before boarding and serves as your ID to get on and off the ship, provides you access to your cabin and makes for easy swiping when you decide you need a pina colada.



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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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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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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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Cruise ships have cellular service that you can connect to. However, it's usually considered international roaming and means you'll be charged high rates to access. You likely know that instead of using a cell signal, you can hook your phone up to wi-fi and use the Internet to make calls, send texts, and surf the web.

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Your cruise fare always includes food for breakfast, lunch and dinner on a cruise ship. However, not all venues that offer food will be free. The main dining room and cruise ship buffet will always be included in your cruise fare, though a few specialty items might cost extra.

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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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As a general rule, plan to have $50 to $100 each day in the local currency. Also, you may want to bring an extra $20 a day for tipping crew members. Make sure to include smaller bills for tips. Fifty to a hundred dollars a day should be enough to cover small purchases, tips and snacks at each port.

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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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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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In other words, if you spend $1,000 per person on your cruise fare, then you can expect to spend between $340-$420 per person once on the ship. Some of the big factors in what you spend will include alcohol (which is expensive on the ship) and gambling.

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An Onboard Expense Account, also known as your Seapass® onboard account, is the cashless system used for all onboard purchases and services. Depending on your ship, SeaPass cards are handed out at the pier or will be in your stateroom waiting for you.

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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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Keep a watchful eye on your airplane mode setting, ensuring it's always on when you're on board your cruise ship. If you forget, you won't be charged for incoming calls you don't accept, but some service providers will charge for unread text messages that arrive while your phone is roaming.

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To ensure you are not charged by your phone company on your cruise, you have two choices: Turn off your phone as soon as your cruise ship leaves port, or, if you want to use offline applications, put your phone into airplane mode.

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Can You Still Text for Free in the Cruise Line's App if you Bring Your own HotSpot? Yes, of course! As long as you have the app downloaded on your phone and you're on their free wifi, you can use the app to text on a cruise ship for free.

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For bartenders and housekeepers, you may also want to offer a generous tip at the beginning of the cruise (again, $20 or more, depending on your needs) to ensure great service while on board. As for daily housekeeping gratuity, $2 to $5 per person per day is a good rule of thumb.

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There aren't any hard-and-fast guidelines for this type of tip since it's contingent on your experience, but $25 to $40 on behalf of a couple roughly works out to an extra $2 to $3 per person, per day, for a seven-night cruise.

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