Cash on board

[charleylake]

What is the limit of cash you can get from the front desk each cruise day on your credit card?? This is so nice as it limits the need for the ATM's!

[TKS]

You might want to exchange your money elsewhere. The exchange rate on board is not very favorable.

[LHT28]

Q: Can I use my credit card to get a cash advance on the ship?

A: Cash advances are available at the Reception Desk. A daily limit of $500 per registered card can be billed to the guest's shipboard account. A 5% transaction fee will be applied to your account.

 

 

Why on earth would you use a CC to get cash ...does your card not charge daily interest fees ? :eek:

[StanandJim]

Q: Can I use my credit card to get a cash advance on the ship?

A: Cash advances are available at the Reception Desk. A daily limit of $500 per registered card can be billed to the guest's shipboard account. A 5% transaction fee will be applied to your account.

 

 

Why on earth would you use a CC to get cash ...does your card not charge daily interest fees ? :eek:

 

Not if you start the month with a zero balance, and repay the entire amount before the end of the next month :p

[TKS]

And the 5% O charges is over, and above, the credit card fees for foreign transactions (remember O uses an Irish bank), 4% for many cards.

 

Banks in port cities typically charge the least for money exchanges and are the safest. Avoid hotel, airport and cruise pier ATM's and money exchange kiosks, as they also charge a higher exchange rate. If you can, go inside the bank to make your transaction, as those machines are the safest. And also remember to keep an eye out and be publicly visible during your transaction, as some ports are known to be frequented by card snatchers.

 

When we travel we get a separate account, with money removed from one of our regular accounts -whatever amount we think we will need for the trip - and use those ATM cards. That way if we lose a card, it's stolen, or in case of theft of the pin # (which is worse in some countries than in the US/Canada) our regular accounts cannot be touched, and the worst case is we lose what's in that account.

 

Don (Hondorner), if you're out there, you have suggestions regarding some accounts which do not charge the overseas transaction fees, I believe.

 

You can ask your bank to allow more than the typical $200 per day, per person, to be withdrawn from the account if you need more.

 

Don't be afraid to make your money exchanges, just be aware, as you would be in the US/Canada. ATM machines are plentiful in almost all countries now (at least the countries we've travelled), and are quite safe if you just use proper caution.

 

Happy cruising. :) Kay

[PaulMCO]

Since it is charged to your shipboard account -- it is treated as any other charge purchase. No interest if you pay the bill in full. This compares to a cash advance which accumulates interest from the day you take the money. The 5% covers the CC fee Oceania pays plus handling.

 

Capital One and Amex do not charge any fees for USD foreign transactions.

Oceania MAY use their Irish bank. There don't seem to be any rules as to when they do or do not.

[LHT28]

Not if you start the month with a zero balance, and repay the entire amount before the end of the next month :p

 

Here we pay from day one on cash advances:eek:

Purchases you can pay off without penalty

[ORV]

Since it is charged to your shipboard account -- it is treated as any other charge purchase. No interest if you pay the bill in full. This compares to a cash advance which accumulates interest from the day you take the money. The 5% covers the CC fee Oceania pays plus handling.

 

Capital One and Amex do not charge any fees for USD foreign transactions.

Oceania MAY use their Irish bank. There don't seem to be any rules as to when they do or do not.

 

Here we pay from day one on cash advances:eek:

Purchases you can pay off without penalty

 

As you can see from PaulMCO's post it is not coded as a Cash advance, it is a regular charge. Therefore no cash advance fee.

[tropicalkerry2002]

That means, if I get cash and charge it to my shipboard account, I can get airline points for the cash I will need while on the cruise!!!

 

HMMMM....

[LHT28]

As you can see from PaulMCO's post it is not coded as a Cash advance, it is a regular charge. Therefore no cash advance fee.

Good to know

We never use VISA to get Cash so did not know that

 

Lyn

[grg3]

If you have a source for free Travelers Checks, you may want to get some before the cruise. They will cash them at the Pursuer's desk for no charge. Any left over, you can deposit back into your account at the end of the trip.

[TKS]

If you have a source for free Travelers Checks, you may want to get some before the cruise. They will cash them at the Pursuer's desk for no charge. Any left over, you can deposit back into your account at the end of the trip.

 

Just be aware travelers checks are accepted very few places in Europe now, as they are too easily stolen/counterfeited. They will likely only be usable onboard.