On MSC there is no fee to download money and charge to the room. This is the same at the tables, charge the money to your room and no fee. Please note, if you use a credit card with a foreign transaction fee you may be charged the fee since they use an international bank. Also, if you do several withdrawals in the casino, it is preauthorized as each transaction is made and then they charge your entire balance at the end of the cruise. This will double the amount preauthorized and depending on your credit card company it could take day for the original charges to fall off.