How much money should you carry on a cruise?

How Much Money Should You Carry on a Cruise?

When packing for a cruise, it’s important to consider how much money you should bring with you. While many expenses are usually pre-paid, such as lodging, meals, and entertainment, there are still a few things you need to account for during your trip. Whether you’re a first-time cruiser or a seasoned seafarer, here are some factors to consider when deciding on the amount of cash to carry on a cruise.

1. Onboard Expenses

One major consideration is the onboard expenses you might encounter during your cruise. While some cruise ships are cashless and use a card system for onboard purchases, it’s always a good idea to have some cash on hand. This can be useful for tipping crew members, purchasing souvenirs or specialty drinks, or participating in onboard activities that require cash payments.

2. Port Excursions

Another factor to consider is the port excursions you plan on participating in during your cruise. These activities are not typically included in the initial cruise fare and often require additional payment. While some ports may accept credit cards or other forms of electronic payment, smaller or remote locations might only accept cash. It’s advisable to carry enough cash to cover any excursion expenses you may have planned.

3. Shopping and Entertainment

Cruises often have onboard shops and boutiques, as well as opportunities for entertainment like casinos or spa treatments. If you plan on indulging in these activities, it’s wise to have some extra cash available. While credit cards are accepted in most cases, having cash on hand allows for easier budgeting and may come in handy for smaller purchases or tips.

4. Emergency Situations

Though rare, it’s always important to be prepared for unexpected situations or emergencies. Carrying a small amount of cash can be helpful in case of unforeseen circumstances. In some instances, credit card networks may experience temporary disruptions, or you may find yourself in a situation where cash is the only form of payment accepted. It’s better to be safe than sorry, so having some extra money tucked away for emergencies is a good idea.

5. Currency Exchange

If your cruise includes stops in multiple countries or if you plan on disembarking at international ports, it’s essential to consider currency exchange. Depending on the destination, having some local currency available can make your experiences smoother. While credit cards are widely accepted, smaller businesses and local vendors may prefer cash payments. Research the countries you’ll be visiting and estimate the amount of cash you might need for each location.

Frequently Asked Questions

1. Is it safe to carry cash on a cruise?

Carrying cash on a cruise is generally safe, as long as you take necessary precautions. Keep your cash concealed in a secure location, such as a money belt or a safe in your cabin. It’s also advisable to only carry as much cash as you need for each port of call and to keep a record of all your expenditures.

2. Can I use my credit card for all onboard expenses?

Most cruise ships today have a cashless system, where you can link your credit card to your onboard account. This allows you to charge your expenses to your card, and settle the bill at the end of your cruise. However, having some cash on hand can still be useful, especially for tipping and smaller purchases.

3. Should I exchange currency before my cruise?

While it’s not necessary to exchange currency before your cruise, it can be convenient to have some foreign currency on hand if your cruise includes international ports. However, it’s often more practical to withdraw local currency from ATMs or exchange money at ports of call, where you’ll likely get better rates.

4. Can I use my credit card internationally?

Most credit cards are accepted internationally, but it’s important to inform your credit card company of your travel plans to avoid any issues. Some credit cards may charge foreign transaction fees, so be sure to check with your provider beforehand.

5. What is the best way to carry money on a cruise?

A combination of cash, credit cards, and a secure money belt or wallet is recommended when carrying money on a cruise. This way, you have options for different situations and can keep your money safe and accessible while onboard or in port.

6. How much cash should I bring for port excursions?

The amount of cash you should bring for port excursions depends on the activities you plan to participate in and the destinations you’ll be visiting. Research the average costs of excursions and consider any additional expenses like food, drinks, or souvenirs when determining how much cash to bring.

7. Are there ATMs available on cruise ships?

Most cruise ships have ATMs onboard, but be aware that they typically charge higher fees compared to land-based ATMs. It’s advisable to withdraw cash before boarding the ship or at ports of call where you’ll likely find better ATM options.

8. Can I use foreign currency onboard the cruise ship?

Cruise ships typically operate using the currency of the country where they are registered. You can use foreign currency for certain onboard expenses, but it’s always best to check the ship’s policy or ask the staff for guidance regarding payment options.

9. Should I bring traveler’s checks on a cruise?

Traveler’s checks are no longer widely used or accepted, so it’s generally not necessary to bring them on a cruise. Credit cards and cash are more commonly preferred forms of payment during a cruise.

10. What should I do if I run out of cash onboard?

If you find yourself running out of cash while onboard, you can always visit the ship’s guest services desk and inquire about options for withdrawing or obtaining additional funds.

By keeping these factors in mind and planning ahead, you can ensure that you have enough money to cover your expenses while enjoying your cruise vacation. Remember to be mindful of your spending, keep your cash secure, and enjoy all the experiences your cruise has to offer.