How Much Foreign Currency Should I Bring on a Cruise?

As someone who cruises often and helps others plan their cruise vacations, I get this question all the time:
“How much foreign currency should I bring on my cruise?”

Even though most ports are card-friendly these days, I always recommend carrying at least a little local cash. From grabbing a gelato in Italy to tipping a tour guide in the Caribbean, having the right currency on hand can make your day ashore easier—and more enjoyable.

Why You Still Need Foreign Currency on a Cruise

Yes, your credit card will work in most major cruise ports, especially in Europe, Australia, and many Caribbean islands. But small vendors, taxis, local markets, and even public restrooms often require cash. And if you're exploring on your own or visiting less touristy destinations, local currency can be a lifesaver.

In some countries, especially across parts of Europe and Asia, restaurants and cafés may actually prefer cash over credit cards due to transaction fees. I’ve personally encountered cafés in Italy and London with signs that say “Cash Only,” or that charge an extra fee for card payments. Having a little local currency on hand saved me from an awkward moment (and missing out on some great meals!).

That’s why I always make sure I have just enough foreign currency for each port before I sail.

How Much Foreign Currency Should I Bring?

It really depends on your itinerary, how many ports you’re visiting, and how much you like to shop or explore independently. Here’s my general guideline:

I like to keep enough for meals, souvenirs, tips, and a few spontaneous moments—such as local street food or a handmade craft at a local market.

Where I Get Foreign Currency Before I Cruise

Rather than scrambling at the airport or port, I prefer to order my foreign currency in advance. It gives me peace of mind and usually better rates. Here are my go-to options:

Order Foreign Currency for Home Delivery

You can order online and have cash delivered right to your door (or pick it up at a local branch):

• Travelex USA: They deliver over 60 currencies and often have good promotions.

• Currency Exchange International (CXI): A great option with delivery or in-store pickup across the U.S.

• Wells Fargo Foreign Exchange: Ideal if you already bank with them.

Check Real-Time Exchange Rates

Before placing my order, I always check the mid-market rate to compare what I’m actually getting:

• XE.com: My favorite for quick, accurate exchange rates.

• OANDA: Great for comparing historical and real-time data.

• Google Currency Converter: Fast and easy if you’re on the go.

Cash Tips from My Travel Experience

• Use your credit card for larger purchases when possible. Many cards offer competitive exchange rates and travel protections.

• Carry small denominations of local currency for tips, small souvenirs, and snacks.  A lot of places overseas do not like breaking big bills.  

• Split your money between your wallet and a secure spot in your cabin.

• Avoid currency exchange at cruise ports—they usually charge the worst rates.

How I Plan My Cruise Spending

I like to divide my spending into two categories:

1. Card-friendly purchases: excursions, dining, and major shopping.

2. Cash-needed moments: markets, tips, restrooms, transit, or places that don't accept cards.

Planning like this helps me decide how much to carry and keeps my spending under control—without scrambling for an ATM in port.

Final Thoughts: Bring Just Enough, Not Too Much

You don’t need to bring a suitcase full of cash—just enough to make the most of each port without stressing over card minimums or transaction fees. Order your currency before you sail, use your card wisely, and enjoy every moment ashore with confidence.

If you ever need help planning a cruise, budgeting for onboard and port spending, or knowing what to pack—I’m here for you. As a no-cost travel advisor, I love helping travelers cruise smarter.

Need help getting started? Let’s plan your perfect cruise—and make sure you’re prepared every step of the way.   Contact me today!