Can You Use Cash on a Norwegian Cruise? | a Guide to Payment Methods

Welcome aboard! If you're planning a Norwegian cruise, you might be wondering about the payment methods accepted on the ship. So, can you use cash on a Norwegian cruise? This comprehensive guide aims to answer your question and provide valuable insights into the payment options available to you on board. From electronic payments to credit cards and prepaid options, we'll explore the various methods you can use to make purchases, settle bills, and enjoy a seamless and convenient experience while cruising the beautiful Norwegian seas.

Can You Pay for Things With Cash on a Cruise?

Cash isn’t accepted as a form of payment on cruise ships due to a variety of reasons. One of the main reasons is convenience for both the cruise lines and passengers. By eliminating cash transactions, cruise lines are able to streamline their payment processes and reduce the risk of theft and fraud. Additionally, accepting cash onboard would require a significant amount of cash handling and storage, posing logistical challenges for the cruise lines.

By having all onboard purchases charged to passengers accounts, cruise lines can accurately track and monitor spending patterns, which helps them optimize their offerings and target specific areas for improvement. This data can be invaluable in terms of understanding passengers preferences and tailoring the onboard experience to meet their needs.

Whether you prefer to try your luck at slot machines or test your skills at table games, cruise ship casinos gladly accept cash for both forms of entertainment. For instance, when playing slots, you can simply insert a $20 bill, and the machine will convert it into credits displayed on the screen. The exact value of each credit will depend on the denomination of the machine.

Do Cruise Ship Casinos Take Cash?

Cash is a commonly accepted method of payment in cruise ship casinos. Whether youre eager to try your luck at the slot machines or take a seat at the blackjack table, youll have the option to use cash. When playing slot machines, simply insert a $20 bill into the machine, which will be converted into credits displayed on the screen. The value of these credits will vary based on the denomination of the machine.

If table games are more your style, you can also use cash to buy chips. Just present your cash to the dealer, and they’ll exchange it for chips, which you can then use to place your bets. Keep in mind that different casinos may have different policies regarding the minimum and maximum bets for each game.

It allows you to easily track how much youre spending and control your gambling budget. However, it’s worth noting that many cruise ships also offer the option to link your onboard account to a credit card, allowing you to charge your casino expenses directly to your account.

Whether you prefer playing slot machines or table games, you can use cash to buy credits on slot machines or chips for table games.

How Do Casino Credit Accounts Work on Cruise Ships?

Casino credit accounts on cruise ships work as a convenient way for passengers to access funds specifically for gambling activities. To open a casino credit account, passengers typically need to provide a valid credit card and complete an application form. Once approved, a line of credit is established, allowing passengers to withdraw cash or use chips directly at the ship’s casino. The funds can be paid back by settling the balance with the cruise line before disembarkation or through automatic deductions from the passenger’s credit card.

Source: Cruise ship casinos: Everything you need to know about …

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When embarking on a cruise from the United States to the Caribbean, it’s widely accepted that US dollars are the most convenient currency to take along. However, some popular cruise ports also accept payment in local currency. It’s noteworthy that obtaining multiple currencies before the cruise is unnecessary, as USD is accepted and change is often given in local currency as well.

What Is the Best Currency to Take on a Cruise?

When it comes to deciding on the best currency to take on a cruise, it largely depends on your destination. If you’re sailing from the United States to popular Caribbean ports, US dollars are widely accepted in most places. This means that you can easily use cash to pay for various expenses during your cruise, such as shopping, dining, or local excursions.

In such places, the availability of ATMs or establishments accepting credit cards may be limited. Having sufficient cash on hand can provide peace of mind and ensure that you can easily make any necessary purchases.

However, it’s also worth noting that many cruise lines offer cashless payment options onboard their ships. You can typically link your credit card to your onboard account, allowing you to charge your purchases directly to your card. This eliminates the need to carry or use cash while onboard, making transactions more convenient and secure.

Benefits and Limitations of Using a Prepaid Travel Card on a Cruise.

  • Convenient way to carry money while on a cruise
  • Can be loaded with a specific amount of money, helping control your budget
  • Accepted at most cruise ship venues, eliminating the need for cash
  • Offers security features like PIN protection and emergency card replacement
  • Some prepaid travel cards offer additional benefits like travel insurance
  • Can be easily reloaded online or through designated reload locations
  • Can help limit overspending and avoid unnecessary debt
  • Eliminates the need to carry multiple currencies
  • Track spending and monitor transactions online or through a dedicated app
  • Can be used for online purchases while on the cruise
  • Some prepaid travel cards offer rewards or cashback programs
  • May come with fees for initial issuance, reloads, ATM withdrawals, etc.
  • May have limited acceptance in certain destinations or establishments
  • Exchange rates may not be as favorable as other options
  • In case of loss or theft, funds may be difficult to recover
  • May impose restrictions on certain types of transactions or merchant categories
  • Reloading options may be limited or not available while on the cruise
  • May involve activation and verification processes before initial use
  • Some prepaid travel cards have expiration dates for unused funds

When going on a cruise, it’s crucial to prioritize the safety of your cash and valuables. To ensure a worry-free vacation, it’s advisable to pack minimal valuables, avoid carrying large amounts of cash, and utilize the ship’s safe or bring your own. Additionally, never leave your belongings unattended and consider using anti-theft accessories. It’s also important to label your luggage correctly for easy identification and retrieval.

How Do You Keep Cash Safe on a Cruise?

When going on a cruise, it’s important to keep your cash safe to ensure a worry-free vacation. One of the first things to keep in mind is to minimize the amount of valuables you bring with you. While it may be tempting to bring everything you own, it’s best to only bring what you absolutely need. This decreases the chances of losing or misplacing important items, including large amounts of cash.

Take advantage of this feature and store your cash in the safe whenever youre not using it. Alternatively, you can bring your own portable safe to keep your cash secure.

Another important tip to keep in mind is to never leave your belongings unattended, especially in public areas of the ship. Always keep an eye on your bags and personal items, and avoid leaving them out of sight for extended periods of time.

Consider using anti-theft accessories, such as money belts or concealed pouches, to keep your cash hidden and secure. These accessories are designed to deter thieves and pickpockets, making it harder for them to access your money.

Finally, it’s crucial to label your luggage correctly. This ensures that your bags can be easily identified and returned to you if they were to get lost or misplaced during the cruise. Use clear and visible tags with your personal information, including your contact details, to make it easy for the crew to locate you.

By following these recommendations, you can enjoy your Norwegian cruise knowing that your cash is safe and secure throughout your journey.

Using Digital Payment Options on a Cruise

When it comes to payment methods on a Norwegian cruise, using digital payment options is a convenient and popular choice. Most cruise ships are equipped with onboard payment systems that allow passengers to make purchases using their credit or debit cards. These systems are typically linked to the passengers’ onboard accounts, making it easy to charge expenses directly to their account.

In addition to credit and debit cards, some cruise ships also accept mobile payment options like Apple Pay and Google Wallet. These digital payment methods can be a convenient alternative for passengers who prefer to use their smartphones for payments.

Using digital payment options on a cruise has it’s advantages. It eliminates the need to carry cash and reduces the risk of losing money while onboard. It also provides a convenient way to track and manage expenses, as transactions are automatically recorded on the passengers’ accounts.

However, it’s important to note that while digital payment options are widely accepted, cash is still accepted on most cruise ships. Passengers can usually exchange cash for onboard currencies at the purser’s desk or use cash for small purchases at select onboard venues. Keep in mind that using cash may have limitations, and it’s always a good idea to carry some for emergencies or situations where cash is the only accepted form of payment.

In conclusion, using digital payment options on a Norwegian cruise is a convenient and popular choice. Most cruise ships accept credit/debit cards and some even accept mobile payment options. While cash is still accepted, it’s always a good idea to have some on hand for situations where it may be the only accepted form of payment.


In conclusion, it’s evident that Norwegian Cruise Line offers multiple payment options to accommodate the preferences and needs of their passengers. While cash is accepted on board, it’s important to note that utilizing alternative payment methods such as credit cards, prepaid cards, or a shipboard account can enhance the overall cruise experience by providing convenience, security, and access to additional perks and rewards.

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