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

Excellent experience

Abbie was amazing, so patient and explained everything. Other two ladies were chatty and friendly.

Mrs McBain / April 2026

Helensburgh

Always get an excellent service from Stewart Travel Helensburgh staff always courteous and helpful

Mr Wilson / April 2026

Service and staff were magic

Sean from the Belfast branch was great the whole way throughout. We kept making changes to dates and how may people were going which messed up rooms and hotels and Sean never batted an eyelid to help us. He has done us big turn really appreciate it. He’s got the whole thing booked for us under budget and staying in far nicer places than we were expecting will definitely be back because of it. Was always available to help whether it was in the branch, over the fone or email, were all bizz with the holiday. Big shout out to Eamon in the same branch who was another great help and really enjoyed his company as well. Great team and a great run company will 100% be booking all my big holidays through here.

Mr south america holiday / April 2026

Read All Reviews

Speak to a Cruise Expert