This is How Much Cash You Should Bring on a Cruise Onboard & Ashore
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It is always a good idea to carry some small bills and coins for these types of situations. Always make sure you remember your password, but don’t write it down on paper and leave it next to the safe (believe me, yes some people do this). It is relatively simple to keep your cash safe on your cruise.
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I asked our Facebook group and this is what they had to say. A cash machine is available on most Royal Caribbean® ships ($5 fee per transaction will be levied for this service). Currency exchange is available on board for a 3% surcharge – source.
A Cashless Cruise Experience
You might treat yourself to the ship’s spa and get a relaxing massage after a long flight or a day of hiking. There’s nothing wrong with pampering yourself just because you feel like it, too. Your cruise can be a chance to rest and recharge, and the spa can help immensely. Are you looking forward to lounging in a coconut-scented breeze or whale-watching in an icy fjord?
What’s the first thing I should do on the ship?
In a survey of 850 cruisers, 71% stated that they took over $100 per person per day when cruising. Jenna DeLaurentis enjoys exploring new ports of call around the world on a cruise ship, learning about new cultures, discovering beautiful landscapes, and trying diverse cuisine. She loves to get active while at port, whether cycling through mountains in the Caribbean or scuba diving under the sea. You’ll often receive change back in local currency even when paying with USD. If you buy a $5 souvenir with a $20 bill in Mexico, for example, you’ll receive change in Mexican pesos.

Even if you can charge casino spending to your account, winnings are still paid in cash. Paying extra to eat in these restaurants can be a fun experience and a change from eating in the main dining room or buffet restaurant every night. But it’s important to realize that you will be paying for this luxury. Other costs include anything over and above the fare you have paid to the cruise company up until the day you leave home for your vacation. You can even check your account through the cruise ship app or on the TV in your cabin. Shore excursions are activities that you can do during your days in port.
Shopping
One crucial aspect is the destinations you’ll be visiting during your cruise. Researching the local currency of each port of call can help you determine the amount of cash you may need. It’s also worth considering that some currencies might not be easily exchangeable on the ship, so it’s advisable to have appropriate currency before reaching those destinations. If you’re going to be spending money, then you definitely need to bring a wad of bills, right? On the cruise ship, you’ll need very little cash day-to-day.

Daily Expenses on a Cruise
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If you need help, sign up for price drop alerts -- Cruise Critic, Cruise Watch, Cruiseline and Cruise Fish offer them -- that will tell you when fares have decreased. Whether you're on a strict vacation planning budget or have unlimited funds, it's great to feel like you've scored the most bang for your buck. But if you need to see the ship doctor, get a prescription or even get treatment, then this can be an unexpected and unplanned event.
When you get off the cruise ship in port, it’s a good idea to have cash on hand for small purchases. Think of things like food from the snack bar at the beach, hair braiding or even souvenir items at a market. For the ship we'll probably bring about $100 just for tips and such and a couple hundred to finish paying off our shore excursions..
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Check out the answers below, and find out how to hold on to more of your hard-earned cash. Get travel insurance that covers sickness and illness before you start your vacation. Then you can get help and treatment when and where you need it and know that costs are covered.
I’ve been over 50 cruises to date and in this post, I explore how much cash you should bring and what you will need to budget for. Our rule of thumb is that you should simply budget as much cash as you would for any other vacation, when in port. We also know that some people love to let loose on a vacation and spend a bit more. And while you don’t need to visit a port with $1000 in your wallet, you’ll want to make sure you have enough money to account for expenses throughout the day.
If you want to pack as light as possible but still have the clothes you need, consider adding laundry services to your onboard account. With Windstar’s personal laundry service, you can leave your laundry outside of your stateroom before going to bed and find it fresh and clean when you wake up. It’s important to strike a balance when deciding on the amount of cash to bring. Carrying too much cash can be risky, while having too little may leave you unprepared for unexpected expenses or limited payment options. Assessing these factors and planning accordingly will help ensure that you have enough cash to enjoy your cruise without any financial constraints. That said, speciality restaurants on cruise ships are usually of an extremely high standard and provide additional options from those offered in the main dining room.
It’s important to note that cashless payment options are widely available on most modern cruise ships, and some ports may accept credit or debit cards as well. Before you embark, you'll either tie a set amount of cash or a credit card to your onboard account. You will then be given a room key that also functions as your onboard charge card.
While the U.S. dollar is widely accepted in many places, there are some regions where you may be better off using the local currency. The number of passengers in the cabin, as well as its size, are factors to consider. Suite guests may offer a little more, given the added square footage.
The purchases are paid at the end of the vacation when you receive the statement of transactions. Longer cruises have more port visits, where you’ll have more opportunities to shop and explore. Another trick, partiuclarly if you don't anticipate spending much time in your room, is to book a less-swanky cabin. Choose an inside or oceanview stateroom instead of a balcony, for example. We've noted your burning questions about saving money on cruises.
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