Wise gives you the real mid-market exchange rate at ATMs and shops in every port. No hidden fees, no cruise ship exchange booth markups.
Get Your Wise CardFree to sign up — card fee around $9
The currency exchange desk on your ship typically marks up rates by 8-12%. That's $8-12 lost on every $100 exchanged. Wise gives you the real rate.
Pull out euros, kuna, lira, or kroner at local ATMs with the real exchange rate. Up to 2 free withdrawals per month included.
Hold and convert between currencies in the app. Pay in euros at lunch in Mykonos, kuna at dinner in Dubrovnik — all from one card.
Most credit cards charge 2.5-3% on foreign purchases. Wise charges nothing. That adds up fast over a week-long cruise.
Create a free Wise account online. Order the physical debit card (around $9). It arrives in 3-5 business days.
Add money from your bank account or debit card. Convert to euros or other currencies ahead of time if you want to lock in the rate.
Tap to pay at shops and restaurants. Withdraw cash from ATMs. Always choose to pay in local currency, not USD.
Give yourself time for the card to arrive and to load funds. You can also add it to Apple Pay or Google Pay as a backup.
When a terminal asks "pay in USD or local currency?" always choose local. Paying in USD triggers dynamic currency conversion with terrible rates.
Turkey (lira), Croatia (kuna/euro), Sweden and Denmark (kroner) — Wise handles them all at the real rate. No need to carry multiple currencies.
Use Wise for daily port spending and ATM withdrawals. Keep a travel credit card for emergencies and big purchases where you want purchase protection.
Sign up before your cruise and keep more of your vacation budget.
Get Your Wise CardWe earn a small commission when you sign up through our link. This doesn't affect the price you pay. We only recommend tools we'd use ourselves.