Is it safe to use debit card on cruise?

In most cases, you can simply explain that you do not have a credit card and they'll come back to you with a Plan B (they want your money so there will definitely be a Plan B). Never use a debit card on a cruise.



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In most cases, you can simply explain that you do not have a credit card and they'll come back to you with a Plan B (they want your money so there will definitely be a Plan B). Never use a debit card on a cruise.

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I generally recommend using credit cards when traveling. Find out if your card has any foreign transaction fees. Also, when you contact the customer service line you should notify them of your travel dates and countries you plan on visiting so any charges do not get flagged as potentially being fraudulent.

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What payment methods are accepted to pay for on-board purchases?
  • Credit card. This is the simplest and most used method of payment. ...
  • Cash or traveller's cheques. If you don't have a credit card, you can pay with cash, traveller's cheques or a debit card. ...
  • Debit card. This method of payment is not recommended.


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Using a debit card is safer than carrying cash and more convenient than writing checks. That's especially true when traveling. Following some simple guidelines will help insure a safe, worry-free trip. Keep your bank informed.

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While you're traveling:
  1. Have multiple payment options. Keep an alternate form of payment in a different bag in case your wallet is lost or stolen. ...
  2. Only use secure Wi-Fi networks. ...
  3. Don't post selfies until you get home. ...
  4. Limit your use of Bluetooth. ...
  5. Report your lost card quickly.


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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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There is no need for cash. The same goes for most gratuities. Cruise lines now offer prepaid options for gratuities to your room steward and dining room waiters. So you can pay them before you even get on the ship.

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If you're not able to wait for ports of call (or don't have international data on your phone), it might be worthwhile to pay for a Wi-Fi package. Although prices have decreased over the years, it can still be pretty costly to purchase Wi-Fi for your cruise.

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The major disadvantage of using a debit card instead of a credit card is that if it is compromised or stolen, the money in your bank account could be in danger. If you don't have a backup credit card, your entire trip could be distorted while you wait for everything to be resolved and your finances to become available.

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Bring your favorite water bottle with you that can keep your beverage cool all day (we love HydroFlask and Swell bottles). The cruise water at the buffet is perfectly safe to drink. If you don't like the taste, throw a lemon or a few strawberries into it.

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Using your cell on the ship For most people, the best piece of advice is to put your phone on airplane mode before your ship sets sail out of port. This prevents your cell from trying to stay connected, thereby eliminating roaming 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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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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Having your luggage sent to your room is not required. If you'd rather keep it with you, that is an option. However, your stateroom is generally unavailable for several hours after boarding, so you'll need to carry your luggage around on the ship — and that can be highly inconvenient.

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In short, how many bags you can take on a cruise will depend heavily on your cruise line. Some have no limits, while others restrict the number of bags and set weight limits. Before packing, check with whichever cruise line you're sailing to ensure you have the latest information.

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