Planning a cruise means thinking about all the details, including how you’ll handle money at sea. A common question for first-time cruisers is whether they need to bring cash or if there will be an ATM on board. It’s an important detail to consider because managing money on a cruise is different from managing it on land.
Cruise ships have a unique way of handling payments, which affects how and when you might need cash. Understanding the system can help you avoid problems and make your trip smoother. By knowing the best practices for using cash and cards, you can relax and focus on enjoying your vacation without any financial worries.
TL;DR
Most large cruise ships have ATMs. You should know that they have high fees and may dispense only one type of currency. It is a good idea to get cash before you board. Most ships use a cashless system with your room key card. Cash is mainly for tipping or for use at ports.
The Cashless System at Sea: How Cruise Ship Payments Work
When you get on a cruise ship, you enter a world that is mostly cashless. The cruise line sets up a special account for you, and your room key card acts like a credit card for all your purchases on the ship. This system makes buying things simple and quick. You don’t have to carry your wallet around the ship.
Your room key card is used for almost everything, like:
- Buying drinks at the bar
- Paying for meals at specialty restaurants
- Shopping for gifts and clothes in the shops
- Booking tours or spa treatments
All of these charges go directly to your personal onboard account. At the end of your trip, you’ll get a statement with a list of everything you bought. You can then pay this bill with your credit card or with cash.
This cashless system is designed for your comfort. It removes the need for you to carry large amounts of cash while on the ship. This keeps your money safe and makes transactions fast. While this system is convenient, there are times when cash is necessary. This is especially true when you leave the ship to visit a port of call.
Why You Should Plan Your Cash Needs Before You Sail
Even though cruise ships have ATMs, it’s smart to get cash before you start your journey. This simple step can save you from high costs and inconvenience. Here are a few things to keep in mind about using ATMs on a cruise ship:
High Fees and Extra Costs
Onboard ATMs typically charge much higher fees than ATMs on land. These fees are in addition to any charges your own bank might add for using an ATM that isn’t in its network. These small fees can add up quickly. Getting your cash before you leave can help you avoid these extra costs.
Currency and Availability
The ATM on the ship will most likely give out the official currency of the cruise line, which is usually U.S. dollars. This can be a problem if you’re going to different countries that use other currencies, like the Euro or the Mexican Peso. You’d have to exchange the money later, which can also come with a bad exchange rate. It’s a better idea to get the right currency for your trip before you leave or from a bank in a port of call.
Also, a cruise ship ATM might not always be available. It could be out of service, especially when the ship is far out at sea and the satellite internet isn’t working well. A larger ship may have more than one ATM, but this isn’t guaranteed. It’s not wise to rely on a single ATM for all your cash needs.
Smart Ways to Get Cash During Your Trip
Since using an ATM on a cruise ship is often not the best option, here are some other good ways to get cash while traveling:
- Guest Services or Casino Cash Advance: Some cruise lines may allow you to get a cash advance from the guest services desk or the casino cashier. This amount is then added to your onboard account. This can be a helpful option in an emergency. You should check with your cruise line beforehand, as policies can be different.
- Land-Based ATMs: When you visit a port, you can use an ATM on land. These often have better exchange rates and lower fees than the ones on the ship. This is a smart way to get the right local currency for shopping or tipping in a new city.
- Carry a Small Amount of Cash: You should carry some cash before you even get on the ship. You can use it for small things like tips for porters at the port or for a taxi. Having a small amount of cash on hand can give you peace of mind.
- Using a Credit Card: For larger purchases in ports, like at a nice restaurant or a jewelry store, using a credit card is often a good choice. Most places that cater to tourists accept them. This can also save you from carrying a lot of cash and gives you a record of your spending. Be sure to tell your bank about your travel plans so your card doesn’t get declined for unusual activity.
- Currency Exchange at the Port: In some ports, you’ll find currency exchange centers. These can be a good option if you need a specific currency and do not want to use an ATM. However, compare the exchange rates to make sure you get a good deal.
The True Value of Planning
Luxury travel is about having every detail handled perfectly. This includes having a plan for your money. When you travel with Labbe Travel, we think of everything. We take the work out of planning so you can focus on making memories. Our goal is to make your trip as smooth as possible.
We believe that true luxury is not just in the places you go, but in the peace of mind you have along the way. Knowing your money is taken care of is a big part of that. We help you create a journey that is unique to you, and that means looking at every part of your trip, big or small.
A New Chapter Awaits You
Imagine a trip where every moment is filled with joy and wonder, not with worrying about money. Our team helps you go on a journey that is as special as you are. We work with you to create a trip that fits your style. Whether you are looking for a quiet beach vacation or an exciting adventure, we handle all the details.
When you work with Labbe Travel, you’re not just booking a trip. You are starting a journey designed just for you. Our founder, Caroline Labbe, has traveled the world to find the very best experiences. She has a deep passion for exclusive, world-class travel. Our team uses this knowledge to create trips that are a perfect mix of elegance, adventure, and fun.
We believe that the best journeys start with a single step. Let us guide you on your next trip. To learn more about how we create our amazing vacations, contact us today. We can help you start planning a journey that you will remember forever.