Do I need local currency on a cruise?

Local Currency on a Cruise: Is it Necessary?

When embarking on a cruise, it’s essential to plan your financial needs adequately. While credit cards are widely accepted onboard and in most ports of call, carrying a modest amount of local currency can be advantageous for certain situations.

Advantages of Local Currency:

• Smaller Purchases: Local vendors at ports of call often prefer payments in the local currency, especially for small purchases.
• Souvenirs and Gifts: Artisanal souvenirs and unique gifts may not be available for purchase with credit cards.
• Transportation: Public transportation, such as taxis and buses, might not accept credit cards.
• Tipping: In some cultures, tipping service personnel and local guides is customary, and local currency is often the preferred method.
• Emergencies: Having local cash on hand can provide peace of mind in case of unexpected emergencies or financial inconveniences.

Convenience of Credit Cards:

Despite the advantages of local currency, credit cards remain the most convenient and secure payment method for larger transactions on a cruise. They offer:

• Widely Accepted: Credit cards are accepted almost everywhere, onboard and ashore.
• Security: They provide protection against fraud and theft, and transactions are easily disputed.
• Tracking: Credit card statements offer detailed records for easy expense management.

Recommendation:

Based on these factors, it’s advisable to carry a modest amount of local currency for smaller purchases ashore while relying primarily on credit cards for larger transactions. This approach balances convenience and practicality, ensuring you have the necessary funds for diverse situations.

Remember to check the currency exchange rates before your cruise and notify your bank of your travel dates to avoid any potential issues with using credit cards or exchanging currency.