When planning your cruise, it's essential to consider how you'll manage your travel money once you're aboard the ship. Most cruise lines utilise a convenient cruise card system, which acts as your onboard currency. Your cruise card is linked to your cabin account, allowing you to make cashless purchases for dining, excursions, and onboard activities. Your cabin account is then settled at the end of your cruise.

You also need to consider how you will pay for goods when you step ashore. Pre-paid travel cards can be a secure and economical option, often offering better exchange rates than traditional banks. Remember to inform your card provider of your travel plans to avoid any unexpected issues with transactions while enjoying your cruise adventures. 

However, if you venture to less touristy areas where cards might not be accepted it's wise to have some local currency on hand.