Here is a summary of all the main cruise lines’ currencies you can pay with onboard. Most cruise lines use cashless systems so it’s best to check which card and account you plan to use for paying.
Azamara: US Dollar
Carnival Cruise Line: US Dollar
Costa: Euro and US Dollar*
(*The euro is the legal currency aboard, except for Caribbean cruises departing from Miami, South American cruises, Spring transatlantic cruises departing from South America, and Far Eastern cruises in which case it is the US Dollar)
Cunard: US Dollar
Disney Cruise Line: US Dollar
Fred Olsen: Pounds Sterling
Holland America Line: US Dollar
MSC: Pounds Sterling, Euro, and US Dollar*
(*From 4th November 2022, Virtuosa's onboard currency will change to Euros.
For cruises in the Mediterranean, Northern Europe, Antilles, Dubai, the Emirates, and Oman, as well as MSC Grand Voyages departing from Europe, the onboard currency is the Euro (€). For cruises in the Caribbean, South America, and South Africa, as well as MSC Grand Voyages going to Europe and to Australia, the onboard currency is the US Dollar ($).
Norwegian Cruise Line: US Dollar
P&O Cruises: Pounds Sterling*
(*Paying in pounds sterling is a great idea whilst you are on holiday! No concerns over ever-changing exchange rates. This means all purchases on board will remain at the same price. Shore excursions are also priced in pounds sterling, making budgeting for your holiday trips a lot easier).
Royal Caribbean: US Dollar
Princess Cruises: US Dollars and Australian Dollars*
(*Onboard currency is in US dollars. However, on select Australian-based itineraries, the onboard currency is in Australian dollars).