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Do Cruise Ships Have ATMs?

Here's What You Need to Know

Convenience and Fees

For the convenience of their guests, many cruise ships do have ATMs located on board. These ATMs typically provide access to cash in various currencies, making it easy for passengers to withdraw funds for use onboard or during shore excursions.

However, it is important to note that using ATMs on cruise ships may incur additional fees. These fees can vary depending on the cruise line, the ATM provider, and the type of transaction. Some ATMs may charge a flat fee for each withdrawal, while others may charge a percentage of the amount withdrawn.

To avoid unexpected fees, passengers should check with their cruise line and the ATM provider before using an ATM on board. It is also advisable to withdraw larger amounts of cash at one time to minimize the number of transactions and associated fees.

In addition to ATM fees, passengers may also encounter currency conversion fees if they are withdrawing cash in a currency different from their home currency. These fees can vary depending on the exchange rate and the policies of the ATM provider.