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We were on a 26 day Med/TA cruise on HAL, and we messed up and bought too many Euros from the Bankomats, (ATM's) while in the European ports. When we left Cadiz, Spain and started the 8 days crossing the Atlantic, I figured I would cash in those excess Euros and pay down my onboard account. The front desk was happy to take my Euros for payment, but the sell-back rate I got was horrible. A huge loss. My next cruise requires French Pacific Francs, (XPF) so keeping the Euros wouldn't help me.

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The casino will take USD.

All drinks and anything you buy in the shops on board the ship, etc. will be charged to your shipboard account and paid by the credit card you register which is USD.

Off the ship -- Euros.

Of course, for the many non-American passengers cruising with HAL, your credit card will probably NOT be a USD card. HAL gives you the choice of having it convert your bill from USD to the currency of your card for you, or charging your card in USD and allowing your financial institution to make the conversion. You are almost always better off letting your financial institution make the conversion, especially if you have a card for which there is no additional conversion fee.

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