Cruising offers a unique opportunity to visit multiple countries in a short time, immersing yourself in a variety of cultures and experiences without the hassle of packing and unpacking. But while your onboard expenses can be conveniently charged to your cruise account, things become a bit more nuanced once you disembark. Understanding local currency and payment methods at each port of call can save you time, reduce stress, and help you avoid costly fees or awkward moments. Here’s what you need to know about handling money when docked during your cruise, whether you’re in the Mediterranean, the South Pacific, or soaking up the sun on a Southern Caribbean cruise.
Know the Local Currency Before You Go
One of the first things to check for each port on your itinerary is what the local currency is. While U.S. dollars are accepted in many tourist-heavy destinations, not every location will take them, and sometimes doing so can lead to poor exchange rates. For example, in the Southern Caribbean, islands like Aruba, Curaçao, and Bonaire use the Aruban florin and the Netherlands Antillean guilder respectively, although U.S. dollars are widely accepted. However, some vendors may give change in local currency, and others may offer less favorable prices for those paying in dollars.
It’s worth researching each destination’s currency and the general attitude toward foreign cash. Countries in Europe will most likely use the euro, while many in Asia or South America will require local currencies. Even when U.S. dollars are accepted, knowing whether it’s common practice or simply tolerated can help you decide how much local currency to carry.
Use Credit Cards Strategically
Credit cards are one of the most convenient and secure ways to pay abroad. They eliminate the need to carry large amounts of cash and often provide favorable exchange rates. Major cards like Visa and Mastercard are widely accepted in most ports, especially in larger cities and commercial areas.
However, there are a few caveats. First, always inform your bank or credit card company of your travel plans to avoid triggering fraud alerts. Second, be aware of foreign transaction fees. Some cards charge up to 3% per purchase, which can add up over a long trip. If you travel frequently, consider applying for a travel-friendly card that waives these fees and offers rewards on international purchases.
Lastly, in smaller markets or rural areas—especially on lesser-developed islands or remote coastal towns—credit cards may not be accepted. For example, while a cruise stop in St. Kitts might offer plenty of vendors who accept cards, a handmade goods stall in a village might not. In such cases, having cash on hand is essential.
ATMs and Cash Withdrawals
If you find yourself needing local currency at a port, using an ATM can be a good option. ATMs typically offer competitive exchange rates, better than what you’d get at a currency exchange booth at the port or tourist center. Still, it’s wise to use ATMs connected to reputable banks, ideally located in secure, well-trafficked areas.
Note that international ATM withdrawals may come with fees from both the local bank and your home bank. Some banks reimburse these charges, but it’s best to check ahead of time. Also, avoid withdrawing large amounts of cash just to avoid multiple ATM fees—doing so can make you a target for theft.
When possible, limit your ATM use to one or two ports where you know you’ll need cash, and plan accordingly for the rest of the trip.
Currency Exchange Services
Another option is to exchange money before you leave for your cruise. This can be done through your bank, though it may require a few days’ notice. Exchanging money at the airport or cruise terminal is also possible, but generally offers poorer rates.
On some ships, the guest services desk may provide limited currency exchange services, though this is typically available only for the most common currencies and may include a markup. Still, it can be a helpful last resort if you’re in a bind.
Currency exchange booths are also found in many cruise ports. Just be cautious—these often come with unfavorable rates or hidden fees. Always ask how much you’ll receive after fees before agreeing to an exchange.
Tipping Etiquette and Small Purchases
Tipping practices vary widely by country. In some destinations, tips are expected and even included in the bill, while in others, tipping can be seen as unnecessary or even offensive. Research the tipping culture of each port ahead of time to avoid misunderstandings.
Having small denominations of local currency or U.S. dollars is also useful for tips, quick snacks, taxi fares, and market shopping. Keep small bills and coins easily accessible so you don’t have to dig through your wallet when making minor purchases.
Mobile Payments and Apps
Digital wallets like Apple Pay, Google Pay, and Samsung Pay are becoming more accepted globally, particularly in well-developed areas. Some ports may even support contactless payments for taxis or in local shops. However, don’t assume mobile payments will work everywhere. Always have a backup plan—like cash or a physical credit card.
There are also travel apps that allow you to preload money in multiple currencies or track exchange rates in real-time. Apps like Revolut, Wise (formerly TransferWise), and XE Currency can be especially useful for managing international transactions and budgeting while abroad.
Be Security Conscious
When using any form of payment abroad, stay vigilant. Avoid flashing large amounts of cash or leaving your wallet unattended. Be cautious when entering PIN numbers at ATMs or card terminals. Use safes in your cabin to store extra money, backup cards, or your passport when not in use.
Also, keep a record of your credit card numbers and the contact information for your banks in a secure location. If your card is lost or stolen, you’ll want to be able to cancel it quickly.
Final Thoughts
A little planning can go a long way when it comes to handling money while on a cruise. Understanding currency requirements, payment options, and safety best practices ensures you can spend less time worrying about how to pay and more time enjoying the sights, sounds, and flavors of each unique port.
Whether you’re bargain hunting in a bustling Caribbean market, enjoying a seaside lunch in Europe, or picking up a handcrafted souvenir on a Southern Caribbean cruise, being financially prepared will help make every stop on your journey smooth and memorable.
Milton Ferrara is a professional blogger and writer with an experience of half a decade. Known for his amazing take on conventional matters and his boldness for writing new fresh content, he has a strong presence on the web.