Can You Exchange Money on a Cruise Ship? On a cruise ship, it can be confusing to figure out which currency to use when. Cruise ships have their own onboard currency for purchases, but also dock at ports with different local currencies. Exchanging money can help you avoid transaction fees and get the best rates. But are you able to exchange currencies onboard and how does it work? This post will explain the logistics of money exchange on a cruise. We’ll look at the cruise card payment system, whether ships have ATMs and currency exchange desks, the fees associated with exchanges, and tips for when to exchange before your trip or onboard.Visit website cruiselance.com