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Finding the perfect balance can seem tricky, but we’ll help you determine the right amount of money to bring on your cruise. Regent Seven Seas is known as the one of the world's most all-inclusive cruise lines. Which currency you should bring with you on a cruise depends on your departure port and itinerary.
How Much a Cruise Costs in 2024
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While the U.S. dollar is widely accepted in many places, there are some regions where you may be better off using the local currency. On average, expect to need more cash for port days than sea days. In fact, you'll need very little cash on your sea days, but a fair amount for days ashore. On embarkation day, it's customary to tip the porters at the cruise terminal with cash.
What is a Carnival Sail & Sign Card?
All of your cruise expenses are taken care of with your onboard account. You will already have paid your cruise fare and may have added pre-paid gratuities, and such things as a drinks package and excursions to the amount prior to sailing. In some ports, the local currency is at par with the U.S. dollar, as in the case in Bermuda and Cayman Islands. U.S. dollars are accepted in Aruba, but the local currency is the florin, worth $.056 U.S. dollars, and many vendors prefer to provide change in the local currency. In Europe, the euro is a common currency with the exception of places like the U.K., which uses the pound sterling.
So where should you get cash if you didn’t bring any?
Of course, this all means that the amount of cash you need to carry depends on your own spending habits. If you are a big spender, then you’ll want to bring more money. But in general, you just need money for those things you’re doing off the ship. If you are on the ship, then there are a few places where it is helpful to have cash, mainly for tipping. For example, room service should be tipped $3-5 per delivery.
Gratuities (Tips)
Many cruise ships have begun allowing guests to charge casino purchases to their onboard accounts. Before you embark, you'll either tie a set amount of cash or a credit card to your onboard account. You will then be given a room key that also functions as your onboard charge card. If you take a taxi to the pier, you may be able to pay for the ride and tip with your credit card if you’re in the United States. However, if you’re beginning your journey in a foreign country, it’s better to have cash in the local currency to pay for your ride in case they don’t accept credit cards.
It is important to keep the Sail & Sign card with you at all times during the cruise, as it is essential for various onboard activities and services. But as you can see, on a per-person basis the cost for a 7-day cruise can run around $2,000 when you factor in everything you’ll spend. Then your cruise fare can be considerably less than average. As a rule of thumb, the more ports of call, the higher these fees can be. On some cruises they can definitely be more than $200, but we’ve rarely seen them below $100 — except for some of the shortest trips with only one or two stops.
If you enjoy visiting the casino while on your cruise, you should definitely give some thought to how much you would like to spend. If you're taking our advice of flying in a day early for your cruise, you could benefit from having cash as you travel around leading up to boarding the cruise. Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences. The answer to this question varies a lot by person, their travel habits, spending preferences, length of the cruise and destination.
When you check-in for your cruise, you will be asked to provide a method of payment to use for onboard charges. If you provide a credit card, that card will be linked to your overall account – and, importantly, to your cruise card. Overall, while you can use cash for some onboard expenses on a Carnival cruise, it’s most convenient and efficient to link your Sail & Sign account to a credit card or debit card. This allows you to easily track your expenses and settle your account at the end of the cruise. But you should know that this doesn’t mean you’ll be spending that much each day. With the accounting rules used by the cruise lines, sometimes money spent before you get on the ship is actually classified as “onboard and other” spending.
As well, keep in mind that this is simply an average across all cruise passengers and major cruise lines. For instance, some people spend little or no money on the ship. Others purchase drink packages, gamble in the casino, and generally live it up the entire trip. You can use your cruise card to purchase drinks, souvenirs, spa treatments, shore excursions, specialty dining, and more. Using an ATM in your destination is one of the easiest and best ways to get the local currency.
Crew members on many premium line often rely on tips from passengers to supplement their incomes. While some cruise lines include tips in your fare, on some lines it isn’t mandatory if you aren’t satisfied with their service. Generally though, most cruise lines where gratuities aren't included, we suggest tipping $10 to $15 per day per passenger. Ultimately, the amount of cash you should bring on a cruise will depend on your personal spending habits, the destinations you’ll be visiting, and the activities you plan to engage in. By carefully planning and budgeting, you can ensure that you have enough cash to cover your expenses and make the most of your cruise experience.
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Consider your stateroom attendant, main dining room servers, porters, and tour operators. Some cruise lines do allow passengers to bid on cabin upgrades if there are unsold rooms available as the sailing date approaches. Paying extra to eat in these restaurants can be a fun experience and a change from eating in the main dining room or buffet restaurant every night. But it’s important to realize that you will be paying for this luxury. Often, organized ship excursions come with a guide and are more expensive than booking with a private excursion company. Other costs include anything over and above the fare you have paid to the cruise company up until the day you leave home for your vacation.
Whether you're on a strict vacation planning budget or have unlimited funds, it's great to feel like you've scored the most bang for your buck. Get travel insurance that covers sickness and illness before you start your vacation. Then you can get help and treatment when and where you need it and know that costs are covered. Some cruise ports are located far away from the destination you are visiting. For example, the Italian ports of Ravenna, Livorno, Naples, and Civitavecchia. Ask your cruise line before you travel for photography price lists to know how much this will cost you.
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