How Does Currency Exchange Work On A Cruise Ship?

Have you ever wondered how currency exchange works on a cruise ship? Well, let me tell you all about it! When you’re on a cruise, you’ll most likely be visiting different countries with different currencies, and you’ll need to have the local currency to make purchases or to explore the destinations. But fear not, because cruise ships usually make it easy for you to exchange your money onboard.

On most cruise ships, you can exchange your currency at the purser’s office or the guest services desk. They will have a specific exchange rate that they use and will be able to convert your money into the local currency of the country you’re visiting. It’s important to note that the exchange rates on a cruise ship may not always be the most favorable, so it’s a good idea to do some research beforehand to get an idea of the current exchange rate.

If you don’t want to exchange your money onboard, you can also use your credit or debit card in most places. Just keep in mind that some countries may have a preference for cash, so it’s always a good idea to have some local currency on hand. In some cases, you may be able to withdraw cash from an ATM onboard the ship, but be aware that there may be fees associated with this.

So, now you know the basics of how currency exchange works on a cruise ship! In our next article, we’ll dive deeper into the benefits and drawbacks of exchanging money on board versus doing it on land. Stay tuned for more information on this topic!

Currency Exchange on a Cruise Ship

Overview of Currency Exchange on Cruise Ships

Currency exchange on a cruise ship allows passengers to convert their money into the currency accepted onboard. This service is essential for travelers who want to have local currency for expenses during their cruise. Whether it’s purchasing souvenirs, dining at specialty restaurants, or participating in shore excursions, having the right currency can make your cruise experience more convenient.

Why Currency Exchange is Necessary on Cruise Ships

Currency exchange is necessary on cruise ships because they visit various destinations around the world, each with its own local currency. While some cruise lines accept major currencies like the US dollar or the Euro, it’s still important to have the local currency of the country you are visiting. This ensures that you can easily pay for goods and services without any hassle or confusion. Additionally, having the local currency may also help you negotiate better prices during your stay.

Types of Currency Accepted on Cruise Ships

Most cruise ships accept major currencies such as the US dollar, Euro, British pound, and Canadian dollar. These currencies are widely accepted onboard and can be used for most transactions. However, it’s important to note that only US dollars are accepted on US-based cruise lines sailing within the US. For example, if you are cruising in the Caribbean with a US-based cruise line, US dollars will be the main currency used onboard.

Currency Exchange Rates on Cruise Ships

Currency exchange rates on cruise ships can vary depending on the cruise line and the destination. It’s important to keep in mind that cruise ship currency exchange rates may not be as favorable as those offered by banks or local currency exchange offices. Cruise lines may add a commission or charge a higher exchange rate to cover administrative costs. It’s a good idea to check the current exchange rates before your cruise to have an idea of what to expect.

Currency Exchange Options on Cruise Ships

There are two main options for currency exchange on a cruise ship: onboard currency exchange services and currency exchange facilities at ports of call.

Onboard Currency Exchange Services

Most cruise ships offer onboard currency exchange services where you can convert your money into the local currency or the currency accepted onboard. These services are usually available at the purser’s desk or the guest services desk. To exchange your currency, you will need to present your cruise ship card and provide the amount you would like to exchange. The exchanged currency will be added to your onboard account, and you can withdraw it as needed.

Currency Exchange Facilities at Ports of Call

Another option for currency exchange is to use currency exchange facilities at the ports of call. When the ship docks at each destination, there may be currency exchange offices or ATMs available where you can withdraw local currency. However, it’s important to be cautious when using these facilities as they may have higher fees or less favorable exchange rates than what you can find on the ship. Research the exchange rates and fees in advance to make an informed decision.

Tips for Currency Exchange on Cruise Ships

Here are some tips to make the currency exchange process on a cruise ship more convenient:

  1. Plan ahead: Research the local currencies of the destinations you will be visiting and exchange some currency before your cruise to avoid any inconvenience upon arrival.

  2. Use local currency for small purchases: While major currencies like the US dollar may be accepted onboard, using the local currency for small purchases can help you avoid any confusion or inconvenience.

  3. Be mindful of exchange rates: Keep an eye on the exchange rates offered on the ship and compare them to rates offered at local banks or currency exchange offices. If the rates on the ship are not favorable, consider exchanging small amounts for immediate needs and exchange the rest at ports of call.

  4. Consider using credit cards: In addition to cash, credit cards are widely accepted on cruise ships and at ports of call. Check with your credit card provider for any foreign transaction fees to ensure you’re aware of any additional charges.

Benefits of Using Currency Exchange on a Cruise Ship

Using currency exchange on a cruise ship offers several benefits:

  • Convenience: Currency exchange services are easily accessible onboard, allowing you to convert your money as needed without having to search for local currency exchange offices.

  • Peace of mind: Having the local currency on hand gives you peace of mind, knowing that you can easily pay for goods and services during your cruise without any hassle.

  • Negotiating power: When you have the local currency, you may have more negotiating power when it comes to prices or bargaining in local markets.


Currency exchange on a cruise ship is an essential service that allows passengers to convert their money into the currency accepted onboard. It provides convenience, peace of mind, and the ability to make purchases and transactions without any hassle. Whether you use onboard currency exchange services or utilize facilities at ports of call, it’s important to plan ahead and be mindful of exchange rates. With the right currency in hand, you can enjoy a seamless cruise experience and make the most of your time at each destination.