Are there ATMs on Cruise Ships?

Are there ATMs on Cruise Ships? Welcome aboard, fellow cruise enthusiasts! As you embark on your next adventure at sea, it’s natural to have questions about the facilities and services available onboard. One common query that often comes up is whether cruise ships have ATMs. After all, it’s important to have convenient access to your funds while enjoying the luxuries of life on the high seas.

In this article, we’ll dive into the world of cruise ship ATMs and provide you with all the information you need. We’ll explore the availability and accessibility of ATMs on different cruise lines, ship sizes, and itineraries. From the bustling casino to the welcoming atrium, we’ll uncover the usual spots where you can find these money machines.

But that’s not all – we’ll also address the issue of currency exchange rates and the compatibility of your cards with onboard ATMs. So, whether you’re a seasoned cruiser or setting sail for the first time, join us as we unravel the mystery of ATMs on cruise ships. Let’s ensure you have peace of mind when it comes to managing your finances while cruising the open waters.

Are there ATMs on Cruise Ships?

Are there ATMs on Cruise Ships?

As you set sail on your dream cruise vacation, it’s natural to wonder about the practicalities of everyday life onboard, such as managing your finances. One common question that arises is whether cruise ships have ATMs. Rest assured, most cruise ships do have ATMs available for your convenience. However, keep in mind that the existence and accessibility of these ATMs may vary depending on the cruise company, ship size, and itinerary.

On most cruise ships, you’ll find at least one ATM to cater to your cash needs. They are strategically placed in high-traffic areas, making them easily accessible for passengers. Typically, you’ll find ATMs in locations such as the ship’s casino, near the welcome desk, or in the atrium. Larger ships often feature multiple ATMs at various points throughout the ship, ensuring you can access cash whenever you need it.

It’s important to note that when using ATMs onboard, the currency exchange rate might not be the most favorable. The rates offered by onboard ATMs are often set well in advance, which means they may not reflect the current market rates. This is something to keep in mind when planning your finances for the cruise.

For the convenience of accessing ATMs on cruise ships, it’s advisable to have a chip and pin card with a 4-digit pin. While 4-digit pins are the standard in most of Europe, some parts of the world, like the US, still have cards that require a signature. Having a chip and pin card ensures a smoother and hassle-free experience when using the onboard ATMs.

Cruise ships do offer ATMs for the convenience of their passengers. It’s important to be aware that the currency exchange rates at these ATMs might not be the most favorable. Having a chip and pin card will make it easier for you to access cash onboard. So, whether it’s for a shopping spree in a port city or for any other expenses during your cruise vacation, you can rest assured that ATMs are available to meet your financial needs.

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Where to Find ATMs on the Ship

Where to Find ATMs on the Ship

When it comes to finding ATMs on a cruise ship, you’ll generally come across one or maybe two machines available. These ATMs are strategically placed in high-traffic areas of the ship to ensure easy accessibility. Here are some common locations where you can find ATMs on most cruise ships:

  1. Main Decks: Look for ATMs near the elevators on the main decks of the ship. These areas tend to have a lot of foot traffic, making them a convenient spot for passengers to withdraw cash if needed.
  2. Casino: Another place to find an ATM is near the ship’s casino. Cruise ships often have a vibrant onboard casino, and having an ATM nearby allows passengers to access cash for their gambling activities or any other expenses.
  3. Welcome Desk or Atrium: Many cruise ships have ATMs located near the welcome desk or in the ship’s atrium. These areas serve as the central hub of the ship, making them easily accessible to passengers who need to withdraw money.

The availability and exact location of ATMs may vary depending on the cruise line, ship size, and itinerary. Smaller ships may have only one ATM, while larger ships may feature multiple ATMs spread out in different areas for the convenience of passengers.

Remember, while ATMs are available, it’s important to note that you may incur fees for using them onboard. These fees can range from $5 to $10 per transaction. To avoid unnecessary fees, it’s advisable to withdraw a larger amount of money in one transaction instead of making multiple smaller ones.

It’s worth considering other options to avoid ATM fees altogether. On most modern cruise ships, you can use the casino to your advantage. By adding funds to your onboard casino account, you can avoid ATM fees and simply cash out when needed.

So, whether you need cash for a day on shore or want to try your luck at the casino, rest assured that most cruise ships offer ATMs in easily accessible locations. Plan ahead and consider alternatives to minimize fees, ensuring you have the funds you need for a smooth sailing vacation.

Alternatives to ATMs on Cruise Ships

If you’re looking for alternatives to using ATMs on cruise ships, there are several options that can help you avoid fees and make your trip more convenient. Here are a few alternatives to consider:

Prepaid Travel Cards

Using prepaid travel cards can be a great way to manage your expenses while on a cruise ship. These cards are pre-loaded with a specific amount of money and can be used just like a debit or credit card. They are accepted at most onboard locations and offer the convenience of not having to carry cash. Additionally, prepaid travel cards often have the added benefit of no foreign transaction fees, making them a cost-effective option for international cruises.

Credit Cards

Credit cards are widely accepted on cruise ships and offer a convenient and secure way to make payments. It’s important to choose a credit card with little to no foreign transaction fees to avoid unnecessary charges. Before you embark on your cruise, make sure to inform your credit card company of your travel plans to prevent any holds or rejections due to suspected fraudulent activity. Using a credit card also allows you to earn rewards or cash back, providing additional benefits for your purchases onboard.


While it’s true that many onboard expenses can be paid with credit or debit cards, it’s still a good idea to have some cash on hand for certain situations. Some examples include tipping the crew, making small purchases in port, or gambling in the ship’s casino. While most cruise lines provide the option to charge these expenses to your shipboard account, having cash readily available can give you more flexibility and may be preferred by some individuals.

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Tips for Managing Money on a Cruise Ship

Tips for Managing Money on a Cruise Ship

Set a Budget

Before embarking on your cruise, it’s important to set a budget for your trip. Determine how much money you’re willing to spend on various aspects, such as dining, entertainment, and excursions. This will help guide your spending and ensure that you don’t overspend during your vacation.

Notify Your Bank

Before setting sail, it’s crucial to notify your bank of your travel plans. Inform them of the dates and destinations of your cruise to ensure that your credit and debit cards are not flagged for potential fraud. This will prevent any inconvenience of having your cards declined while on the cruise ship.

Keep Track of Expenses

While on your cruise, it’s essential to keep track of your expenses to avoid any surprises when you receive your bill at the end of the trip. Make note of any purchases made using your room keycard, whether it’s for drinks, meals, or activities. This way, you can monitor your spending and make adjustments accordingly.

Remember, managing your money wisely on a cruise ship can help you stay within your budget and make the most of your vacation. By setting a budget, notifying your bank, and keeping track of expenses, you can enjoy your cruise without any financial stress.

Please continue reading the article for more information on where to find ATMs on cruise ships and alternatives to using them to avoid fees.

Can You Exchange Money on a Cruise Ship?

As a seasoned cruiser, you might be wondering if it’s possible to exchange money on a cruise ship. The good news is that most cruise lines do have ATM machines and currency exchanges onboard for guests to use. However, it’s important to note that the exchange rates offered on cruise ships are often unfavorable for guests. While it might be the easiest option, relying solely on the ship’s currency exchange is not recommended if you want to get the most value for your money.

Keep in mind that not all ships will have currency exchange options available, especially smaller cruise lines. In addition, these currency exchanges may be closed for certain periods of time, making it inconvenient to exchange money as needed. What’s more, they often have a limited amount of money available and only offer a limited range of currencies. So, it’s always wise to have a backup plan when it comes to obtaining local currency during your cruise.

Another thing to consider is the fees associated with using ATM machines on cruise ships. Along with the unfavorable exchange rates, these ATMs often charge a hefty fee for withdrawals. This can quickly add up and eat into your vacation budget, so it’s important to be mindful of these additional costs.

One alternative to exchanging money on a cruise ship is to use currency exchange shops in the ports of call that you’ll be visiting. While the most conveniently located shops near the cruise ships may offer less favorable rates, taking a short walk into town can often lead you to better options with more competitive rates. To make things easier, consider downloading a currency app on your phone so you can compare rates and ensure you’re getting the best deal possible.

Remember, while most cruise lines have transitioned to a cashless payment system, there may be situations where cash is king, especially in remote or less developed areas. It’s always a good idea to have a small amount of local currency on hand for any unexpected expenses or situations where cards may not be accepted.

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So, while it is possible to exchange money on a cruise ship, it’s important to weigh the convenience against the potentially unfavorable exchange rates and fees. Consider exploring alternative options such as currency exchange shops in port, and always be prepared with some local currency just in case it’s needed. By planning ahead and making informed decisions, you can ensure a smooth and financially savvy cruise experience.


Managing your money on a cruise ship is crucial for a smooth and financially savvy experience. By setting a budget, notifying your bank of your travel plans, and keeping track of your expenses, you can stay in control of your finances throughout your trip.

While most cruise ships have ATM machines and currency exchanges, it’s important to be aware that the exchange rates offered may not be favorable. Instead, consider exploring alternative options, such as currency exchange shops in port, to get the best rates for your money.

Having a small amount of local currency on hand can also come in handy for unexpected expenses during your cruise. By planning ahead and being prepared, you can avoid unnecessary fees and ensure that you have the necessary funds for any situation that may arise.

Remember, the goal is to make informed decisions and have a financially savvy cruise experience. By following these tips, you can enjoy your vacation without any money-related worries. Bon voyage!

Read more: Are there ATMs on Cruise Ships?

Frequently Asked Questions

What is the best way to take money on a cruise?

We recommend paying for onshore purchases over $10 with a credit card and using pocket change or local currency for the rest.

Where can I get cash for a cruise?

There are kiosks on Deck 2 near Guest Services and the Casino. ATM facilities are also available on board.

Is it better to take cash or card on a cruise?

Credit cards are widely accepted, but cash can be useful for small vendors or taxis in foreign countries.

How much cash should you carry on a cruise?

As a general rule, plan to have $50 to $100 each day in the local currency. Consider bringing extra for tipping.

How do I cash out my Carnival cruise?

Winnings must be cashed out from the Casino Cashier’s Desk by the last night. Table players can exchange cash for chips at the table or the Casino Cashier’s Desk.

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