3 ways to get cash on a cruise ship
If there’s one thing I always forget to do before I cruise, it’s to stop at the ATM. Cruises largely operate on a cashless system, so traveling without cash is not a big deal. You attach a credit card to your onboard account and use your keycard to make purchases on board.
But sometimes you need dollar bills or foreign currency. Fortunately, in those situations, you can find ways to get cash on most cruise ships.
Occasionally, I need a few U.S. dollars to tip a porter, a tour guide or the person who delivers my room service, and I always leave an extra cash tip for my room steward, beyond the auto-gratuities. Plus, in certain destinations abroad, vendors only accept cash in local currency. If you’re hoping to shop when you’re in port, you'll want to have some cash handy.
The best time to get cash is before you leave home, either from an ATM (if you need U.S. dollars) or from your local bank, which can almost always obtain foreign currency on your behalf at a better rate than you’d find at an airport currency exchange counter. Local ATMs in foreign countries are also a solid option; complete the transaction in local currency instead of U.S. dollars to avoid bad exchange rates.
But, if — like me — you happen to forget or run out of time in your rush to make it to the airport, you can still get cash after boarding your cruise ship.
At an onboard ATM
Many large cruise ships have ATMs on board, and they’re the quickest and easiest way to grab cash while you’re sailing. The biggest drawback is that they often charge exorbitant fees — upward of $10 per transaction. If you must withdraw cash, calculate how much you’ll need for the entire voyage so you only need to make one withdrawal.
At the front desk
If you’re on a ship that doesn’t have an ATM, ask the front desk if they can give you cash and charge the amount to your onboard bill. In most cases, the transaction will post as a credit card purchase rather than a cash advance, so you won’t have to worry about additional charges from your card issuer or bank. Be sure to double-check with guest services if you're concerned.
This is only an option on certain ships, so don’t count on every cruise ship offering cash at the front desk.
At the casino
Another option for finding cash on a cruise is the onboard casino if your vessel has one. (And, no, I’m not talking about gambling with the intention of winning to obtain money.)
Head to the cashier, and ask to preload the money you need onto your keycard or have it given to you in chips, depending on how your ship handles gaming. Find the least expensive slot machine or table game, play the smallest amount of credits, and when you’re finished, go back to the desk to cash out.
Because you’re likely to lose the amount you play in the slot machine, this is a tactic you should only use in a pinch.
Bottom line
Although cruising is a largely cashless endeavor, you might need paper money in certain circumstances. It’s ideal to take cash out from your bank or a no-fee ATM before you head to your embarkation port, but that’s not always possible. If you need cash for tips or purchases ashore, these options might work for you in a pinch if you don't mind potential fees and other charges.
Learn more about cruising with these TPG resources:
- Packing for a cruise? These items aren't allowed on board
- Man overboard: Cruise ship overboards and how they happen
- What is baked Alaska, and why is it paraded around cruise ships?
- What are the largest cruise ships in the world?
- What is the Jones Act, and how does it affect cruise ships?
- What is a lido deck on a cruise ship?
- What's a cruise cabin guarantee — and will it save you money?
- What's the difference between a cruise ship concierge and a butler?
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Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.