Call free 0800 019 0063 We are open today between 9am and 8pm

Home / FAQ / What Are The Payment Options On Board A Cruise Ship

Find Your Perfect Cruise

What are the payment options on board a cruise ship?

Payment options on board vary depending on the cruise line, however all of the cruise lines operate a ‘cash free’ environment on board the ship.

All cruise ships operate a ‘cash free’ system using an onboard spending account which is settled at the end of your cruise. When embarking and checking in at Guest Services they will issue you with a multi-purpose ‘Seapass Card’ or Sail & Sign card (also known by other names depending on the cruise line).

This is a credit card-sized card that you need to use on board the ship to make purchases for drinks, services, and other facilities. This card also doubles as your stateroom key and identification for boarding and disembarking the ship in each port.

This card is the only way to make purchases whilst on the ship so you don't want to lose it.  If you do lose it, be sure to report it immediately to Guest Relations and they will issue you with a new one.  You should treat this card like you would a credit card or your passport and keep it in a safe place.

Before travelling on your chosen cruise holiday there are ways that you can try to lower your final bill at the end of the cruise. For example you may wish to pre-pay your gratuities, shore excursions, speciality dining or spa treatments which will enable you to budget for your onboard spending.

Each cruise line has different policies when it comes to securing and paying your bill at the end of your cruise. The easiest and preferred method of payment would be by credit card, however it is possible to pay in cash with some cruise lines.

Our Cruise Experts can assist you in securing the right cruise for your needs. Call us today on 0800 019 0063

What our clients say

Platinum Service Award Winners

Average Customer Rating: 4.9/5

Fantastic service

Diane was very pleasant and understood our requirements. Discussed choices and advice on area. Would recommend and will use again thanks

Trusted Customer / March 2026

Hayley was friendly and professional. She made lots of recommendations and made the changes we needed. Wouldn't hesitate to recommend to others

Trusted Customer / March 2026

Quick booking service

Very quick and easy to book

Mrs Cumlin / March 2026

Read All Reviews

Speak to a Cruise Expert