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ATMs on Cruise
ATMs on Cruise

Are there ATMs available on cruise ships?

Most cruise ships offer onboard ATMs to make your vacation more convenient. Have a worry getaway. Enjoy your time to the fullest.

By Cruise Booking Team

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Cruise holidays have long been linked with luxury, leisure, and the prospect of visiting exotic locations while sailing the high seas. As passengers board these floating paradises, they frequently have questions regarding the realities of daily living. One such question is whether cruise ships have access to ATMs so that customers may handle their funds while on board. In this post, we'll look at cruise ship facilities and address the burning question: Do cruise ships have ATMs?

Setting sail with cash

Before we get into the availability of ATMs on cruise ships, it's important to understand the financial aspects of sailing. While many cruise components, such as meals, entertainment, and certain onboard activities, are often all-inclusive, travelers still require cash or credit for certain charges.

Excursions to ports of call, onboard shopping, tipping crew members, and specialty dining all demand monetary transactions. Furthermore, travelers may require cash for personal costs or emergencies. This naturally raises the question of whether ATMs are widely available aboard cruise liners.

The cruise ship experience

Cruise companies devote significant efforts to ensuring their customers have a pleasant and smooth experience. Addressing travelers’ financial requirements is a part of this experience. While cruise ships are not floating banks, they do take steps to meet the financial needs of their guests.

ATM availability on cruise ships

ATMs are available onboard cruise ships. The existence and accessibility of ATMs, on the other hand, might vary depending on the cruise company, ship size, and itinerary. Here's what you should usually expect:

1. ATM locations:

At least one ATM is available on most cruise ships. ATMs are frequently found in high-traffic places such as the ship's casino, near the welcome desk, or in the atrium. For the convenience of passengers, larger ships may feature many ATMs in various places.

2. ATM fees:

It should be noted that utilizing ATMs on cruise ships may incur costs. These fees may be fairly high, as both the cruise company and the ATM provider frequently charge extra service fees. As a result, it's best to manage your financial needs carefully to prevent incurring unnecessary fees.

3. Currency:

ATMs on cruise ships normally accept the currency of the cruise line's native country. For example, if you're traveling on a cruise line based in the United States, the ATM would most likely issue US dollars. This might be useful if you're traveling internationally and want to avoid currency conversion complications.

4. Cash advances:

Some cruise ship ATMs also provide cash advances to guests who choose to charge their withdrawal to their onboard account. This is a convenient choice, but it is critical to understand the accompanying fees and terms.

5. Operational hours:

ATMs on cruise ships are often provided 24 hours a day, seven days a week, to meet the demands of guests at any time. Check the ship's daily bulletin or ask the onboard personnel for precise operation hours and locations.

Alternative payment methods

While cruise ship ATMs provide a convenient way to access cash, many passengers prefer alternate payment options to avoid costs and hassle:

1. Credit and debit cards:

For most onboard costs, credit and debit cards are routinely accepted aboard cruise ships. Keep your bank informed of your trip intentions to avoid card holds or rejects due to suspected fraudulent activity.

2. Cruise line account:

Many cruise companies allow guests to create an onboard account linked to their credit card. Charges for onboard purchases, excursions, and gratuities are then applied to this account automatically, removing the need for cash.

3. Foreign currency exchange:

To prevent unfavorable exchange rates, it is recommended that you convert some currency in advance or utilize currency exchange facilities at the ports of call.

Also Read: Do you need cash on a cruise?


Passengers' main priorities in the realm of cruising are convenience and accessibility. While ATMs are available on cruise ships, they do have limitations, most notably costs. While on a cruise holiday, travelers are recommended to prepare ahead of time, use alternate payment methods, and be careful of their financial demands.

Finally, the presence of ATMs aboard cruise ships means that passengers have access to cash when needed, but careful preparation may help them avoid needless expenses and have a more enjoyable vacation. So, when you go on your next cruise, you can be confident that you'll have access to financial services, enabling you to focus on the thrill and pleasure that await you on the high seas.

Tags: cruise lines

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