Using ATM on board ship question

[hightownCO]

I'll likely use the ATM on my upcoming Hawaii cruise on the Grand. I want to let my bank know in advance. One time I didn't and they froze the account suspecting fraud.

 

When you use the ATM, what does it show as the bank or location? For example, on Carnival, it shows on your statement as a Miami bank. So, learned to let them know that in advance as well as letting them know what countries I'd be traveling to.

 

Thanks in advance!

[john watson]

Instead of using your credit or debit card onboard at an ATM, why not just ask at reception for US$300 or whatever and they simply hand you the cash and add it to your bill at the end of the cruise with you simply using your cruise card they add it to your on board account. The complete total of your cruise including cash advances is regarded as a sale and not a cash advance, this is sometimes lower interest.

 

Regards John

Edited October 2, 2016 by john watson

[acp1119]

Instead of using your credit or debit card onboard at an ATM, why not just ask at reception for US$300 or whatever and they simply hand you the cash and add it to your bill at the end of the cruise with you simply using your cruise card they add it to your on board account. The complete total of your cruise including cash advances is regarded as a sale and not a cash advance, this is sometimes lower interest.

 

Regards John

 

Thanks John....good to know.

[skynight]

Another method is to go to the casino. Place your cruise card into a slot and select, say $100. Then you cash out. The $100 will be charged to your on board account and you will have the cash. Of course if you want to play the slot a little you can do that also.

 

You can also go to a bank in town at the port.

 

Another option is to just bring the cash along with you and store it in your cabin safe.

[acp1119]

Another method is to go to the casino. Place your cruise card into a slot and select, say $100. Then you cash out. The $100 will be charged to your on board account and you will have the cash. Of course if you want to play the slot a little you can do that also.

 

You can also go to a bank in town at the port.

 

Another option is to just bring the cash along with you and store it in your cabin safe.

 

Thanks. Another great tip. I am bringing cash with me but just in case it's good to know the easy ways to get more.

[keithm]

I'll likely use the ATM on my upcoming Hawaii cruise on the Grand. I want to let my bank know in advance. One time I didn't and they froze the account suspecting fraud.

 

When you use the ATM, what does it show as the bank or location? For example, on Carnival, it shows on your statement as a Miami bank. So, learned to let them know that in advance as well as letting them know what countries I'd be traveling to.

 

Thanks in advance!

ATM & all ship cash advances come with a pretty hefty charge! What we do is arrive the day before(weather issues potentials etc.)the cruise. It allows us to relax before we board the next day. Before you leave, go online & locate an ATM connected to your bank & do a cash withdrawal.

[Coral]

Thanks. Another great tip. I am bringing cash with me but just in case it's good to know the easy ways to get more.

 

As silly as this sounds - I still brought traveler's checks on my last cruise. I don't like carrying large amounts of cash and won't use the ATM onboard. The Passenger Services desk will cash them and what I don't use, I just deposit when I am home.

 

Though - you will be in Hawaii, you can easily use ATM machines when you hit land.

Edited October 2, 2016 by Coral

[kerryincork]

It's very easy. I just call my bank/credit card company and tell them I'm going on a cruise, they ask what ports I will be in. I've never had an issue with my cards as long as I informed my bank.

In Caribbean I used USA dollars or credit card when on the island.

I with draw some cash in Miami before I board ship.

You actually don't need that much cash on the Islands. I budget for $50 a day for each island, for tips, taxi and lunch.

The cost to withdraw cash from the ship is high.

 

Sent from my SM-N910F using Tapatalk

[jpcello]

It's very easy. I just call my bank/credit card company and tell them I'm going on a cruise, they ask what ports I will be in. I've never had an issue with my cards as long as I informed my bank.

In Caribbean I used USA dollars or credit card when on the island.

I with draw some cash in Miami before I board ship.

You actually don't need that much cash on the Islands. I budget for $50 a day for each island, for tips, taxi and lunch.

The cost to withdraw cash from the ship is high.

 

Sent from my SM-N910F using Tapatalk

 

My bank (Bank of America) has a link on their website so that you can add travel to your cards. All set up to use any of my BOA cards on my cruise next week with no chance of frozen accounts.

[Baystate]

I've worked at a bank for many years. Although, most people won't have problem with theft of accessing accounts. I, personally, would never use a debit card overseas, only a credit card if you must. I have seen horrible things happen. Remember most people are using debit cards that are linked to their personal accounts that they pay bills from and if something happens that will be affected, such as bouncing checks and acquiring bank fees. It's a nightmare to deal with when it does happen.

 

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[Thrak]

I've worked at a bank for many years. Although, most people won't have problem with theft of accessing accounts. I, personally, would never use a debit card overseas, only a credit card if you must. I have seen horrible things happen. Remember most people are using debit cards that are linked to their personal accounts that they pay bills from and if something happens that will be affected, such as bouncing checks and acquiring bank fees. It's a nightmare to deal with when it does happen.

 

Sent from my SM-N900T using Forums mobile app

 

Agreed. I don't use much cash when traveling. I use a credit card. I have no desire to have my checking account affected by using my debit card. If there's a problem with bogus charges on the credit card I can dispute them and my bank account remains secure.

[JF - retired RRT]

Another method is to go to the casino. Place your cruise card into a slot and select, say $100. Then you cash out. The $100 will be charged to your on board account and you will have the cash. Of course if you want to play the slot a little you can do that also.

 

You can also go to a bank in town at the port.

 

Another option is to just bring the cash along with you and store it in your cabin safe.

 

Can't use the casino for an ATM. You have to gamble (at least a little) before you cash out. If you don't gamble a little, they'll freeze your account.

[san diego sue]

There are ATM's in Hawaii. You won't need cash on the ship.

Wait till Hawaii. Better yet, charge any of your purchases there. You aren't leaving the U.S.

Actually I don't remember ATM's on the ships. Only cash changing machines when we were in foreign countries. Am I wrong? Or possibly since I never used them, maybe just didn't notice.

[ar1950]

Since Hawaii is in the US we simply use charge cards for the most part. We also bring on $xxx.xx of cash which we keep in the safe in the cabin. We will take a certain amount with us at each port. Never had an issue with the credit cards being frozen because we were away from home. However, if that were a concern it is easy to notify the charge card company before leaving.

 

We always have a travel budget and try to keep things as simple as possible when traveling.

[Lucky TGO]

Very good information and good to know. Thank You,

Tony

[caribill]

It's very easy. I just call my bank/credit card company and tell them I'm going on a cruise, they ask what ports I will be in. I've never had an issue with my cards as long as I informed my bank.

 

The OP's question is basically will use of the onboard ATM reflect a USA bank address or a foreign country one.

 

Saying what ports you are visiting is not connected at all to what bank the onboard ATM is connected to.

[kerryincork]

The OP's question is basically will use of the onboard ATM reflect a USA bank address or a foreign country one.

 

Saying what ports you are visiting is not connected at all to what bank the onboard ATM is connected to.

The OP mentioned their concern about their card/account being frozen while travelling. I was just giving an example of how easy it is to let your bank or card company know they are travelling.

Also this would allow them to withdraw cash from the islands which is possibly cheaper than using the ATM on the ship.

Also if you have a credit card it's not necessary to bring huge amounts of cash.

 

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[pablo222]

Instead of using your credit or debit card onboard at an ATM, why not just ask at reception for US$300 or whatever and they simply hand you the cash and add it to your bill

 

Does this really work?

 

This is the first time I have heard about such a direct approach,

there are many posts about getting casino advances.

[hightownCO]

The OP's question is basically will use of the onboard ATM reflect a USA bank address or a foreign country one.

Saying what ports you are visiting is not connected at all to what bank the onboard ATM is connected to.

 

Thanks, caribill. While I appreciate all the alternatives folks have posted, I know all this. And as I stated, I do notify cards and banks about what ports I'll be visiting. As you pointed out, I had a specific question re the onboard ATM.

[john watson]

Does this really work?

 

This is the first time I have heard about such a direct approach,

there are many posts about getting casino advances.

 

Yes reception, is actually the pursers desk, they are quite happy to give out cash. When you hand over your cruise card they put it into a scanner, on some lines this will then show a photo of you (the one embedded in the cruise card) they ask you your cabin number which is not written on the card for security purposes. Then the ID process is complete and they count the money and you sign for it. Cruise lines always do a single bill at the end of the cruise with a simple cruise account which does not give a breakdown to the banks/credit card companies.

 

I know people in the UK who obtain a sort of unofficial loan from their credit card company in this way and then transfer the credit card debt to a 0% alternative card. This is where there are no foreign currencies involved introducing commission and your card is in the same currency. I know one UK credit card company that does a 12 months 0% balance transfer with a 0% transfer fee which is simply encouraging stoozing but there you go.

 

Regards John

Edited October 3, 2016 by john watson

[ar1950]

Thanks, caribill. While I appreciate all the alternatives folks have posted, I know all this. And as I stated, I do notify cards and banks about what ports I'll be visiting. As you pointed out, I had a specific question re the onboard ATM.

 

Back to your original question. Apparently no one can, or has, given an answer to your question. My suggestion is why not contact Princess for the answer? I would guess that you would have a better chance to get the answer that you are looking for.

[Crzn-Life]

Re: ATM on the ships...

In May it was BB&T - Miami. I'm sure it is still the same bank since Princess has used this service for years.

 

Hope this helps.

Edited October 5, 2016 by Crzn-Life

[hightownCO]

Re: ATM on the ships...

In May it was BB&T - Miami. I'm sure it is still the same bank since Princess has used this service for years.

 

Hope this helps.

 

Thank you!

[iandr]

I have used a travel money card to draw money out from ATM machines on P&O, am I also able to do this on Princess? My aim is to hand money over to the receptionist, so any expenses on board can be deducted from that. Yes, I do have a credit card also, but I prefer to use the travel money card, pre-arranged with my bank before departure.

Thanks heaps.

[caribill]

I'll likely use the ATM on my upcoming Hawaii cruise on the Grand. I want to let my bank know in advance. One time I didn't and they froze the account suspecting fraud.

 

When you use the ATM, what does it show as the bank or location? For example, on Carnival, it shows on your statement as a Miami bank. So, learned to let them know that in advance as well as letting them know what countries I'd be traveling to.

 

Thanks in advance!

 

It will be a USA bank. I do not remember which state. Of courser the onboard ATM comes with a hefty usage fee, possibly around $6 in addition to any fee your bank might charge.

 

And of course for Hawaii you do not have to notify your bank because that is still in the USA.

Edited December 4, 2016 by caribill