Should I bring cash while on a cruise?

Yes, it's a good idea to bring some cash on a cruise, even though most onboard transactions are handled electronically. Here's why having cash can still be helpful—and how much you might consider bringing:

💳 Onboard: Mostly Cashless

• Cruise ships operate on a cashless system — all purchases (drinks, spa, shops, excursions, etc.) are charged to your cruise card or wearable device, linked to your onboard account.

• Tipping onboard (such as for room service or exceptional service) is optional in cash but appreciated.

💵 When You’ll Need Cash:

1. Tips for Porters at the Terminal

• Recommended: $1–$2 per bag

• These are the crew who handle your luggage at embarkation and debarkation.

2. Gratuities for Tour Guides or Drivers

• If you’re doing a shore excursion (especially non-cruise line excursions), tipping in cash is standard.

• Recommended: $3–$10 per person, depending on tour length and location.

3. Shopping or Dining in Port

• Many shops and vendors in port accept credit cards, but small stores, markets, and taxis often prefer or require cash.

• Local currency is ideal, but U.S. dollars are widely accepted in many cruise ports (Caribbean, Mexico, Central America).

4. Casino (Optional)

• You can fund your casino account through your onboard account, but some guests prefer to bring cash for gambling to avoid added transaction fees.

💡 Pro Tips:

• Use the ship’s ATM only in emergencies — fees can be high.

• If visiting countries with different currencies, exchange small amounts before the cruise or at port (but avoid high-exchange-rate vendors).

• Keep cash in a safe place (your cabin safe or money belt).

✅ In Summary:

So yes, bring cash—just not too much. It’s best used for tipping, port purchases, and backup peace of mind.