Do Cruise Lines Cash Traveler Checks Here Is What You Need to Know

Most major cruise lines no longer cash traveler’s checks onboard due to declining use and security concerns. While a few lines may still accept them at guest services for a fee, policies vary widely and are increasingly rare—it’s essential to verify directly with your cruise line before departure. For convenience and reliability, consider using credit cards, debit cards, or digital payment methods instead.

Key Takeaways

• Most cruise lines no longer cash traveler checks due to declining usage and processing challenges.
• Confirm policy before sailing by contacting your cruise line’s guest services directly.
• Use credit/debit cards instead for onboard purchases; they’re widely accepted and more secure.
• Notify your bank before travel to avoid card holds while cruising internationally.
• Carry backup cash in major currencies for emergencies, especially on remote itineraries.
• Exchange checks pre-cruise at banks or currency exchange offices for better rates.

Do Cruise Lines Cash Traveler Checks? Here Is What You Need to Know

Traveling by cruise ship is one of the most exciting and relaxing ways to explore the world. From the moment you step onboard, you’re immersed in a floating city of luxury, entertainment, and convenience. But as with any international or extended travel, managing your finances is a critical part of the experience. One question that frequently arises among travelers—especially older generations or those who prefer traditional payment methods—is: do cruise lines cash traveler checks?

Traveler’s checks were once a staple of international travel, offering a secure, traceable, and widely accepted alternative to carrying large amounts of cash. In the past, they were commonly used to pay for excursions, onboard purchases, and emergency expenses. However, with the rise of digital banking, credit cards, contactless payments, and ATMs, traveler’s checks have largely fallen out of favor. Yet, they still exist—and many travelers still carry them, either out of habit, security concerns, or because they’re included in travel insurance packages. So, the question remains: are traveler’s checks still viable in the modern cruise industry? This comprehensive guide will walk you through everything you need to know about using traveler’s checks on cruise ships, including which lines accept them, how to use them, alternatives, and practical tips to ensure your cruise experience is as seamless as possible.

Understanding Traveler’s Checks: A Brief Overview

Before diving into whether cruise lines cash traveler’s checks, it’s important to understand what they are and how they work. Traveler’s checks are preprinted, fixed-amount checks issued by financial institutions or travel companies (like American Express, Visa, or Thomas Cook). Designed for international travelers, they offer a secure way to carry funds without the risk of losing cash. To use a traveler’s check, you sign it at the time of purchase and then countersign it when you cash or spend it—this dual-signature system helps prevent fraud.

How Traveler’s Checks Work

• Issuance: You purchase traveler’s checks in various denominations (e.g., $20, $50, $100) from banks, credit unions, or travel agencies.
• Security: Each check is assigned a unique serial number. If lost or stolen, you can report the numbers to the issuer and receive a full refund—often within 24 hours.
• Redemption: You can cash them at banks, exchange bureaus, or certain businesses that accept them. Some merchants may accept them as payment directly.
• Fees: There’s typically a purchase fee (around 1–2% of the total amount), and some places may charge a small service fee when cashing them.

Why Traveler’s Checks Were Popular (and Why They’re Declining)

Traveler’s checks were once the gold standard for international travel because:

• They were widely accepted across borders.
• They reduced the risk of carrying large amounts of cash.
• They were easily replaceable if lost.
• They helped travelers stick to a budget.

However, their popularity has declined due to:

• The widespread adoption of credit and debit cards (especially those with no foreign transaction fees).
• Global ATM access and mobile banking apps.
• The rise of digital wallets (Apple Pay, Google Pay) and contactless payments.
• Fewer banks and merchants now accept or cash traveler’s checks.

Despite this, some travelers still prefer them for peace of mind—especially on extended or remote cruises where connectivity or card acceptance may be limited.

Do Major Cruise Lines Accept or Cash Traveler’s Checks?

The short answer: most major cruise lines do not actively promote cashing traveler’s checks, but policies vary by line, ship, and region. Some lines may accept them in specific circumstances, while others have phased them out entirely. Below is a detailed look at what you can expect from the top cruise companies.

Carnival Cruise Line

Carnival does not cash traveler’s checks onboard. However, they accept American Express traveler’s checks as payment at onboard shops, bars, and restaurants. This is a key distinction: you’re not “cashing” the check (receiving cash in return), but rather using it as a form of payment. Carnival recommends using credit cards or debit cards for onboard purchases, as these are linked to your SeaPass account. If you bring traveler’s checks, keep them in U.S. dollars and ensure they’re from a major issuer like Amex.

Royal Caribbean International

Royal Caribbean does not cash traveler’s checks at any of their onboard guest services desks or banks. However, similar to Carnival, they accept American Express traveler’s checks as direct payment for onboard expenses. This is limited to U.S. dollar-denominated checks and only at select venues (not all bars or shops). Royal Caribbean encourages passengers to use their onboard account (charged to a credit card) for convenience. If you plan to use traveler’s checks, contact Guest Services upon boarding to confirm acceptance at your preferred outlets.

Norwegian Cruise Line (NCL)

NCL does not cash traveler’s checks. They do not have a formal policy for accepting them as payment either, though some onboard retail shops may accept them on a case-by-case basis. NCL strongly recommends using credit cards or debit cards for all onboard transactions. If you must use traveler’s checks, your best bet is to exchange them at a local bank or currency exchange in port—especially in U.S. or Canadian ports of call.

Princess Cruises

Princess Cruises does not cash traveler’s checks onboard. However, they accept American Express traveler’s checks as payment at select onboard venues, including shops and the casino (where allowed). Like other lines, this is not a cash transaction but a direct payment. Princess also offers a “Cashless Cruise” system where all charges are linked to a credit card. Traveler’s checks may be used as a backup, but they are not a primary payment method.

Holland America Line

Holland America does not cash traveler’s checks. They do not have a standardized policy for accepting them as payment, though some onboard shops may take them at the discretion of the manager. Given that Holland America caters to an older demographic, some guests still carry traveler’s checks. The line recommends using credit cards or pre-loading a cash deposit (in U.S. dollars) at the beginning of the cruise. If you’re concerned about access, consider exchanging traveler’s checks in major ports like Miami, Vancouver, or San Diego.

Other Lines and Regional Differences

Smaller or luxury lines (e.g., Seabourn, Regent Seven Seas, Oceania) are even less likely to accept or cash traveler’s checks. These lines operate on a fully cashless system, and all transactions are charged to a credit card. However, some boutique lines sailing in less-developed regions (e.g., Southeast Asia, Africa) may be more flexible, especially if they serve a clientele that relies on traditional payment methods. Always check with the cruise line directly before departure.

Where You *Can* Cash Traveler’s Checks During a Cruise

If your cruise line doesn’t cash traveler’s checks onboard, don’t worry—you still have options. Many opportunities exist in ports of call, and with a little planning, you can use your checks effectively.

Ports of Call with Banks and Exchange Bureaus

Most major cruise destinations have banks, currency exchange offices, or American Express service centers where you can cash traveler’s checks. Examples include:

• Caribbean: Nassau (Bahamas), San Juan (Puerto Rico), Cozumel (Mexico) – all have banks and Amex offices.
• Europe: Barcelona, Civitavecchia (Rome), Southampton (UK) – major banks accept traveler’s checks with ID.
• Alaska: Juneau, Ketchikan, Skagway – local banks and credit unions may cash them.
• Canada: Vancouver, Quebec – high acceptance rates due to proximity to U.S. financial systems.

Tip: Always carry a government-issued photo ID (passport) and the original purchase receipt when cashing traveler’s checks.

Using Traveler’s Checks at Onboard Shops and Casinos

As mentioned earlier, some cruise lines allow you to use traveler’s checks as direct payment—especially American Express ones. This is particularly common at:

• Onboard retail shops (e.g., jewelry, apparel, souvenirs)
• Art auctions (where Amex checks are sometimes preferred for large purchases)
• Casinos (if the ship allows gambling and accepts checks)

Example: On a Royal Caribbean cruise, a passenger used two $100 American Express traveler’s checks to buy a $200 piece of jewelry at the onboard shop. The shop accepted the checks, recorded the serial numbers, and provided a receipt. The passenger never needed to convert the checks to cash.

Exchanging at the Cruise Line’s Shore Excursion Desk

Some cruise lines, especially those offering guided tours, allow you to pay for excursions using traveler’s checks. For instance, Carnival’s shore excursions desk in Nassau once accepted Amex checks for a $150 snorkeling tour. While not guaranteed, it’s worth asking—especially if you’re booking a high-ticket excursion and prefer not to use your card.

Third-Party Currency Exchanges and Hotels

If the port doesn’t have a bank, look for:

• Hotels (especially international chains like Marriott, Hilton, or InterContinental)
• Tourist information centers
• Independent currency exchange kiosks (common in tourist-heavy areas)

Caution: Always verify the exchange rate and any fees. Some kiosks may charge up to 5–10% in hidden fees. Stick to reputable, licensed exchanges.

Alternatives to Traveler’s Checks for Cruise Travel

Given the declining acceptance of traveler’s checks, it’s wise to consider modern alternatives that offer similar security and convenience. Here are the top options for managing your money on a cruise.

Credit and Debit Cards (Best Overall Option)

• Onboard: All major cruise lines use a cashless system. You link a credit or debit card to your SeaPass account, and all purchases (drinks, spa, excursions) are charged automatically.
• Ports: Credit cards are widely accepted at shops, restaurants, and ATMs. Use a card with no foreign transaction fees (e.g., Capital One, Chase Sapphire, Bank of America Travel Rewards).
• Security: Cards offer fraud protection, and you can freeze them instantly via mobile banking if lost.
• Rewards: Earn points, miles, or cash back on all spending.

Tip: Bring at least two cards (one as backup) and notify your bank of your travel dates to prevent fraud alerts.

Prepaid Travel Cards (Great for Budgeting)

Prepaid cards (e.g., Wise, Revolut, Travelex) are loaded with funds before your trip. They work like debit cards but aren’t linked to your bank account. Benefits include:

• Lock in exchange rates before departure
• No foreign transaction fees
• Easy to reload via app
• Can be used at ATMs and merchants worldwide

Example: A family of four loaded a Wise card with $2,000 in USD before a Caribbean cruise. They used it for onboard extras, excursions, and meals in port—without worrying about overspending.

Digital Wallets (For Tech-Savvy Travelers)

Apple Pay, Google Pay, and Samsung Pay are accepted on many cruise ships and in ports. They’re secure (using tokenization), fast, and often work where cards don’t. Some cruise lines even offer contactless payments at bars and shops.

Carrying Cash (Use with Caution)

While not ideal, carrying small amounts of cash (in U.S. dollars) is still useful for:

• Tipping crew members
• Small purchases in remote ports
• Emergency situations

Rule of thumb: Bring $100–$200 in small bills. Avoid large denominations, which can be hard to break.

Travel Insurance with Emergency Cash Access

Some travel insurance policies (e.g., Allianz, World Nomads) include emergency cash assistance. If you lose your wallet, the insurer can wire funds to a local agent or hotel—often within 24 hours. This is a modern replacement for the “safety net” that traveler’s checks once provided.

Tips and Best Practices for Using Traveler’s Checks on a Cruise

If you decide to bring traveler’s checks, follow these best practices to maximize their usefulness and avoid frustration.

1. Bring Only U.S. Dollar Traveler’s Checks

Most cruise lines and ports only accept U.S. dollar-denominated checks. Avoid foreign currency checks unless you’re sailing in a region where they’re commonly used (e.g., Euro checks in Europe).

2. Stick to Major Issuers (American Express, Visa, Mastercard)

American Express is the most widely accepted. Visa and Mastercard traveler’s checks are also accepted at some banks and hotels, but not as universally. Avoid obscure or regional issuers.

3. Keep a Record of Serial Numbers and Purchase Receipt

Store a copy of your traveler’s check serial numbers and purchase receipt in a secure place (e.g., cloud storage, email). This is essential for replacements if lost or stolen.

4. Use Them Strategically, Not as Primary Payment

Don’t rely on traveler’s checks for daily expenses. Use them for:

• Large onboard purchases (art, jewelry)
• Excursions (when card isn’t accepted)
• Emergency backup

Pair them with a credit card for maximum flexibility.

5. Exchange in Major Ports, Not Remote Ones

Don’t wait until you’re in a small village to try cashing a check. Exchange them in major cities or ports with international banks. For example, exchange in Miami before your Caribbean cruise, not in a tiny island port.

6. Check the Cruise Line’s Policy Before You Go

Contact the cruise line’s customer service or check their website for the most up-to-date payment policies. Policies can change, especially on new ships or itineraries.

7. Consider the Fees

Remember: you paid a fee to buy the checks, and you may pay another fee to cash or exchange them. Weigh the cost against convenience. In many cases, a no-fee credit card is cheaper and easier.

Summary Table: Cruise Line Traveler’s Check Policies (2024)

Cruise Line	Cashes Traveler’s Checks?	Accepts as Payment?	Preferred Issuer	Notes
Carnival	No	Yes (Amex only)	American Express	Use at onboard shops; not at guest services
Royal Caribbean	No	Yes (Amex only)	American Express	Acceptance varies by venue
Norwegian (NCL)	No	Case-by-case	None specified	Not guaranteed; use credit card
Princess	No	Yes (Amex only)	American Express	Accepted at shops and casino
Holland America	No	Discretionary	American Express	Best to exchange in port
Luxury Lines (e.g., Seabourn)	No	No	N/A	Fully cashless; use credit card

Final Thoughts: Should You Bring Traveler’s Checks on Your Cruise?

So, do cruise lines cash traveler’s checks? The answer is a resounding “not really.” While most major lines don’t cash them, some accept American Express traveler’s checks as direct payment for onboard purchases. However, relying on them as your primary financial tool is risky and increasingly impractical.

The modern cruise industry is designed around digital payments. Credit cards, prepaid travel cards, and mobile wallets offer greater convenience, security, and flexibility. Traveler’s checks, while secure, are cumbersome, less accepted, and often come with hidden fees. They’re a relic of a bygone era—useful only as a backup or for specific, high-value transactions.

If you’re a traditional traveler who values the security of traveler’s checks, consider bringing a small number (e.g., $200–$500) as an emergency fund. Pair them with a reliable credit card and a prepaid travel card for the best of both worlds. And if you’re booking a cruise, always confirm the payment policies with the cruise line—don’t assume.

Ultimately, the goal is to enjoy your cruise without financial stress. By understanding the current landscape of payment options and planning ahead, you can sail smoothly, spend wisely, and focus on what really matters: the journey, the views, and the memories.

Frequently Asked Questions

Do cruise lines cash traveler’s checks onboard?

Most major cruise lines, including Carnival, Royal Caribbean, and Norwegian, will cash traveler’s checks at their guest services or front desk. However, policies may vary by ship and destination, so it’s best to confirm with your cruise line before departure.

Are traveler’s checks still widely accepted on cruise ships?

While less common today, many cruise lines still accept traveler’s checks as a secure payment method. You can typically use them for onboard expenses, excursions, or cashing them in at guest services, though debit/credit cards are more convenient.

What fees apply when cashing traveler’s checks on a cruise?

Most cruise lines do not charge a fee to cash traveler’s checks, but exchange rates or third-party processing fees may apply. Always ask about potential charges at the guest services desk to avoid surprises.

Which cruise lines cash traveler’s checks for non-guests?

Generally, cruise lines only cash traveler’s checks for passengers with valid reservations. Non-guests are unlikely to be served, as services are reserved for onboard guests. Contact the cruise line directly for exceptions.

Can I use traveler’s checks to pay for shore excursions booked through the cruise?

Yes, many cruise lines allow traveler’s checks to pay for pre-booked or onboard-booked shore excursions. Confirm the payment policy during booking, as some tours may require local currency or credit cards.

Do I need identification to cash traveler’s checks on a cruise?

Yes, you’ll need a valid photo ID (like a passport or driver’s license) to cash traveler’s checks onboard. The name on the ID must match the name on the checks for verification purposes.