How Much Cash Should You Take On A Cruise?

AvatarByFrancis Mortimer General Cruise Queries

Setting sail on a cruise is an exciting adventure filled with stunning destinations, delicious dining, and endless entertainment. But as you prepare for your voyage, one important question often arises: how much cash should you bring along? While many aspects of cruising have become increasingly cashless, having the right amount of physical money on hand can make your trip smoother and more enjoyable.

Navigating the world of cruise finances involves understanding what expenses can be covered by credit or cruise cards, and which situations might still require cash. From tipping and onboard purchases to excursions and port stops, the role of cash varies widely. Striking the right balance ensures you’re prepared for unexpected moments without carrying unnecessary bulk.

In this article, we’ll explore the nuances of cruise cash needs, helping you determine the ideal amount to bring. Whether you’re a first-time cruiser or a seasoned traveler, gaining clarity on this topic will enhance your peace of mind and allow you to focus on the fun that awaits.

Determining How Much Cash to Bring

When deciding how much cash to bring on a cruise, consider the duration of the trip, the cruise line’s policies, and your personal spending habits. Most cruise lines operate a cashless system onboard, using a cruise card linked to a credit card or a prepaid account. However, having some cash on hand is still advisable for certain situations.

Typically, it is recommended to bring between $100 and $200 in cash for incidental expenses. This amount should cover tips for crew members, small purchases at ports of call, or emergency needs. If you plan to participate in shore excursions or dine at specialty restaurants that prefer cash payment, you might want to increase this amount accordingly.

Factors influencing the amount of cash to bring include:

  • Number of ports visited: More stops may require more cash for local vendors or taxis.
  • Type of cruise: Luxury cruises may include gratuities, reducing the need for cash tips.
  • Personal preference: Some travelers prefer to avoid cards altogether for small purchases.
  • Destination currency: Consider whether you need local currency or if U.S. dollars are widely accepted.

Cash vs. Credit and Debit Cards Onboard

Although cash is useful, credit and debit cards are generally the preferred payment methods on cruises. Cruise ships use a cashless system where all onboard purchases, including drinks, spa treatments, and dining, are charged to your onboard account. At the end of your cruise, you settle the balance with your linked card.

Advantages of using cards onboard include:

  • Convenience: No need to carry large amounts of cash.
  • Security: Lost or stolen cards can be canceled, unlike cash.
  • Tracking: Easier to monitor spending through statements.
  • Currency exchange: Cruise lines handle currency conversions automatically.

However, some expenses may require cash, such as:

  • Tipping crew members directly.
  • Small purchases at port markets or street vendors.
  • Gratuities where cash is preferred or mandatory.

Budgeting Tips for Cruise Cash

To avoid carrying too much cash while ensuring you have enough for your needs, follow these budgeting tips:

  • Estimate daily expenses: Calculate expected costs for tips, souvenirs, and incidentals.
  • Prepay gratuities: Many cruise lines allow you to prepay tips, reducing cash needs.
  • Use a prepaid cruise card: Load funds in advance to control spending and avoid carrying excess cash.
  • Bring small bills: Have a mix of $1, $5, and $20 bills for tipping flexibility.
  • Keep cash secure: Use a money belt or safe in your cabin to protect your cash.

Typical Cash Needs Breakdown

The following table illustrates a sample cash budget for a 7-night cruise, highlighting common expenses where cash is useful:

Expense Category Estimated Amount (USD) Notes
Daily Tips for Housekeeping and Dining Staff $70 $10 per day recommended if not prepaid
Port Market Purchases $30 Souvenirs, snacks, or small items
Taxi or Local Transport $20 Cash often required for short rides
Miscellaneous Expenses $30 Emergencies or unplanned purchases
Total Estimated Cash $150

Determining the Right Amount of Cash to Bring on a Cruise

When preparing for a cruise, deciding how much cash to bring depends on several factors including the cruise line’s policies, the destinations visited, and your personal spending habits. While most cruise ships operate on a cashless system using onboard charge accounts linked to your credit or debit card, having some cash on hand remains essential for specific situations.

Here are key considerations to help determine the appropriate amount of cash:

  • Onboard Expenses: Most purchases, from drinks to shore excursions, can be charged to your cabin account. These are usually settled at the end of the cruise via credit card, minimizing the need for cash onboard.
  • Port Visits and Shore Excursions: Many ports accept credit cards, but smaller vendors, taxis, local markets, or tips often require cash. The availability of ATMs or currency exchange kiosks at ports varies widely.
  • Currency Requirements: Cruises visiting multiple countries may require different local currencies. It’s important to have the correct currency or US dollars, which are widely accepted in many cruise ports.
  • Emergencies and Miscellaneous: Having cash for unexpected situations like medical needs, last-minute purchases, or places that do not accept cards is advisable.

Given these factors, a typical range of cash to bring is between $100 and $300 per person for the entire trip, supplemented by credit or debit cards for larger expenses.

Expense Category Cash Needed Recommended Payment Method
Onboard Purchases (drinks, spa, specialty dining) Minimal to none Credit/Debit Card linked to cabin account
Port Taxis and Local Transport $20–$50 per port Cash preferred
Tips for Crew and Guides $10–$20 per day Cash or pre-paid gratuities
Souvenirs and Small Purchases $30–$70 per port Cash or card depending on vendor
Emergency Funds $50–$100 Cash and accessible credit card

Keep in mind that carrying large amounts of cash can pose security risks. Use a secure money belt or onboard safe to store your cash, and only carry what you expect to use during daily excursions.

Expert Advice on How Much Cash to Take on a Cruise

Linda Martinez (Travel Finance Consultant, Global Cruise Advisors). When planning how much cash to bring on a cruise, I recommend carrying between $100 and $200 in small bills. This amount covers incidental expenses such as tipping, local purchases at ports, and emergencies. Most onboard services are cashless, but having some cash ensures flexibility without carrying excessive amounts.

Dr. Michael Chen (Cruise Industry Analyst, Maritime Travel Institute). The optimal cash amount depends on the cruise itinerary and personal spending habits. For most Caribbean or Mediterranean cruises, $150 to $250 in cash is sufficient. This allows passengers to handle vendor transactions at ports that may not accept cards, while relying primarily on onboard accounts for other expenses.

Sophia Reynolds (Senior Cruise Travel Advisor, Oceanic Voyages). I advise clients to bring a modest amount of cash—typically $100—broken into small denominations. Many cruise lines encourage cashless transactions, but having cash on hand is essential for tipping crew members, purchasing souvenirs at smaller ports, or any unexpected needs. Always consider the cruise destination’s currency requirements as well.

Frequently Asked Questions (FAQs)

How much cash should I bring on a cruise?
It is advisable to bring between $100 and $200 in cash for incidental expenses, tips, and small purchases where cards may not be accepted.

Are credit or debit cards accepted on cruises?
Most cruise lines accept major credit and debit cards for onboard purchases, but having cash is useful for ports of call and gratuities.

Can I use cash to pay for tips on a cruise?
Yes, cash is often preferred for tipping crew members directly, although many cruises also allow tipping through onboard accounts.

Is it safe to carry a large amount of cash on a cruise?
Carrying large amounts of cash is not recommended due to the risk of loss or theft; use onboard accounts and cards when possible.

Do I need local currency for shore excursions?
Yes, it is helpful to have some local currency for small purchases, transportation, or vendors at ports where cards may not be accepted.

Can I exchange money onboard the cruise ship?
Most cruise ships offer currency exchange services, but rates may be less favorable than at banks or exchange offices onshore.
When determining how much cash to take on a cruise, it is essential to consider various factors such as the cruise line’s cashless payment system, onboard expenses, port activities, and personal spending habits. Most modern cruises operate on a cashless system where charges are billed to your onboard account, reducing the need for large amounts of cash. However, having some cash on hand is advisable for tips, small purchases, and excursions at ports where card payments might not be accepted.

It is generally recommended to carry a modest amount of cash, typically between $100 and $300, depending on the length of the cruise and the destinations visited. This amount should cover incidental expenses, gratuities, and emergency needs without exposing you to unnecessary risk. Additionally, travelers should consider the availability of ATMs on the ship and at ports, as well as the potential fees associated with using credit or debit cards internationally.

Ultimately, careful planning and understanding the cruise’s payment policies can help optimize your onboard experience and financial convenience. Balancing the use of onboard accounts, cards, and cash ensures that you remain prepared for all scenarios while minimizing the burden of carrying excessive cash. This approach enhances security and provides flexibility throughout your cruise journey.

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Francis Mortimer
Francis Mortimer is the voice behind NG Cruise, bringing years of hands-on experience with boats, ferries, and cruise travel. Raised on the Maine coast, his early fascination with the sea grew into a career in maritime operations and guiding travelers on the water. Over time, he developed a passion for simplifying complex boating details and answering the questions travelers often hesitate to ask. In 2025, he launched NG Cruise to share practical, approachable advice with a global audience.

Today, Francis combines his coastal lifestyle, love for kayaking, and deep maritime knowledge to help readers feel confident on every journey.