For the vast majority of cruisers, using a credit or debit card linked to an onboard account offers superior convenience and security compared to relying solely on cash. While cash still holds a limited purpose, the modern cruise experience is designed to be cashless, streamlining transactions and minimizing the risks associated with carrying large sums of money.
Cruising has evolved. Once upon a time, stacks of dollars exchanged hands at every bar, casino, and boutique. Today, most cruise lines operate on a cashless system. This means you establish an onboard account, typically linked to a credit or debit card, and use your cruise card (or a wearable device) for all onboard purchases. Think of it as a temporary credit line exclusively for your floating vacation. This system simplifies spending and tracking, providing a detailed record of your expenditures accessible through the cruise line's app or website.
While the transition to cashless cruises is nearly complete, cash still has some relevance, particularly for tipping crew members in person and for specific excursions where local vendors may prefer or even require cash. However, carrying large amounts of cash is generally unnecessary and can pose a security risk.
The key to a successful and stress-free cruise from a financial perspective is understanding how onboard accounts function. When you check in, you'll be prompted to set up your account. You'll provide a credit or debit card, and the cruise line will typically place a temporary hold on your card to ensure sufficient funds. This hold is not a charge, but it reduces your available credit. As you make purchases throughout your cruise, they're added to your onboard account balance. At the end of your cruise, the final balance is charged to your card.
It's crucial to monitor your spending throughout the cruise, either through the ship's app, dedicated kiosks, or by requesting a printout at guest services. This prevents any unexpected surprises when you receive your final bill.
The advantages of using a card-based system are significant:
While card usage is dominant, cash still has its place:
Here are frequently asked questions to further clarify the cash vs. card debate:
Yes, most cruise lines accept debit cards. However, be aware that using a debit card can place a hold on your funds, potentially limiting your access to cash in your bank account. Check with your bank to understand their policies regarding debit card holds.
The cruise line will likely contact you and request that you increase your credit limit or provide an alternative payment method. Failure to do so could result in the suspension of charging privileges.
Yes, most cruise lines allow you to pay off your onboard account with cash at guest services. This can be a good option if you prefer to use cash for a portion of your expenses.
Some cruise lines offer options for passengers without credit or debit cards, such as depositing a cash security deposit. However, this is becoming increasingly rare, and the amount required can be substantial. It's best to contact the cruise line directly to inquire about their specific policies.
Yes, most cruise ships have ATMs, but they typically charge high fees for withdrawals. It's best to avoid using them unless absolutely necessary.
Yes, it's always a good idea to notify your bank and credit card companies of your travel plans. This helps prevent them from flagging your transactions as suspicious and potentially blocking your card.
Foreign transaction fees are charges assessed by your bank or credit card company for transactions made in a foreign currency. To avoid them, use a credit card that doesn't charge foreign transaction fees.
Traveler's checks are largely obsolete and are rarely accepted on cruise ships or in ports.
The amount of cash you need depends on your spending habits and itinerary. As a general guideline, $200-$300 per person should be sufficient for tipping, shore excursions, and small purchases.
If you deposit cash into your onboard account, any remaining balance at the end of the cruise will be refunded to you in cash.
No, your cruise card is typically only valid for onboard purchases. You'll need to use cash or a credit/debit card to make purchases in port.
If you notice an incorrect charge on your onboard account, immediately contact guest services to file a dispute. Keep a copy of any documentation related to the dispute.
Ultimately, the best approach to cruise finances is a blend of preparation and common sense. While the convenience and security of a card-based system make it the preferred method for most onboard transactions, a small amount of cash can still be useful for specific situations. By understanding how onboard accounts work, managing your spending, and planning ahead, you can ensure a smooth and enjoyable cruise experience without any financial surprises.