How much money should you take on a cruise?

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.



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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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You probably won't need much actual cash while onboard, as many cruise lines will just charge purchases to your account. Even ship casinos these days have cashless credit systems. On nearly all cruises, passengers are given an itemized bill at the end of the trip listing all charged expenses.

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According to data provided by the cruise industry (CLIA: Cruise Line Industry Association), the average cruise duration is seven days and the average cost is around $1700. Cruise lines charge between $800 and $8,000 for a 7-night Caribbean trip in a balcony stateroom.

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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.

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Sodas priced individually on the ship are between $2-$4. If you buy more than two, you have spent way more than you would have with the soda package. Plus if you buy the soda outright there is no refills.

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Sail & Sign® is Carnival's cashless on board credit program, which allows guests to charge onboard purchases and gratuities directly to a personal account for convenience. The Sail & Sign Card must be utilized for all money transactions on board as cash will not be an accepted form of payment.

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To help you plan, we suggest you limit your luggage to a maximum of one bag per person if you're travelling on a cruise of 3-5 nights, and to no more than two bags per person, for cruises of 6 days or longer.

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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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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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The time when you'll need the most cash on a cruise vacation is when you're in port. Whether in Mexico, St. Maarten, Italy, or Vanuatu, having cash is recommended. Although cards are widely accepted, you may still encounter establishments that do not accept card payments.

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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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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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Carnival Cruise Line recommends guests bring two pieces of luggage per person, with each piece weighing no more than 50 pounds. In addition, guests are allowed to bring a carry-on bag. Any alcohol brought onboard must be in unopened, sealed bottles and limited to one bottle of wine or champagne per adult.

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Casual Looks: Pack at least 4 pairs of shorts, 5 – 7 t-shirts, 3 pairs of pants, 3 skirts, and a couple of day dresses. Dinner Attire: Bring enough smart-casual looks for 7 nights.

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Cruise ships are good at making food available 24/7, so if you're hungry, there's usually no one to blame but yourself. The main dining room usually has set meal times, but sections of the buffet will always be open, and you'll usually be able to find a diner, cafe, or pizza shop that's open at all hours.

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So to cut a short story even shorter, whether visiting for a day off a cruise or taking a short break on one island, the best currency for the Caribbean is the US dollar. You shouldn't need any of the local currency.

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There is a USD$500 daily spend limit for sailings seven nights or longer and a USD$300 daily spend limit for sailings 6 nights or less on cash accounts. All cash accounts are reviewed on a daily basis. The ship will inform you once your daily cash limit is reached.

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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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Most slot machines will just take your cruise card, but some will also take cash. Very few cruise ship casinos are cash-only but a few do exist. (Windstar and Silversea are examples.)

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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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