Money Matters

On board account

For your convenience all of our ships operate a cash free environment with everything charged in pounds sterling. To make any purchases on board you just need to present your cruise card. Our ships do not accept cash, except at the Reception desk for purchase of foreign currency and the settlement of your account. In order for charges to be posted on to your account you will need to register your credit card or Visa/MasterCard Debit card at check- in.

Registering a payment card

You will be asked to register your payment card as you check-in. We accept the following major credit cards, Visa, Visa/MasterCard Debit, MasterCard American Express & Diners Club. We are unable to accept Solo, Maestro, Switch and any pre-paid credit cards.

For security reasons the card will never leave your sight. You will be asked to put your card in to the chip and pin machine and to enter your pin, all details are immediately encrypted.   Your card will be validated and a pre-authorisation for £50 will be created.  We will not store your card details on any of our systems.

Even if you wish to settle your account with cash at the end of your cruise, a payment card must still be registered at embarkation.

Settling your on board account by card

If you have a credit card or Visa/MasterCard Debit card registered all you need to do is to check your final statement on the morning of disembarkation. If you are happy with your account you need take no further action. The final amount will be settled to your registered credit or debit card. If you do have any queries you should raise these with the Reception prior to your departure from the ship. You have the ability to charge items to your account on the day of disembarkation until you finally leave the ship – these charges will show as a second settlement on your credit or debit card statement.

If you are doing a back to back cruise you will be charged your on-board spend at the end of each cruise separately. 

Please note, If your cruise is longer than 28 days your on-board account will be settled in the middle of your cruise and at the end. The exact date of the first settlement will be advised once on board. You need to ensure you have sufficient funds to settle your account.

Settling your on board account with cash

You may choose to settle your account with cash; however a payment card must still be registered. If using cash, your account must be kept in credit at all times. If you wish to settle your account using cash then please note that there are limits on the amount of cash that can be deposited on your account, which vary by cruise length.  Please note that you will not be permitted to deposit cash as payment for any goods totaling €9,000 or more (equivalent in the ship’s currency) and these transactions must be settled using your registered card.

You may credit your account with any major currency; this will then be credited to your account in pound sterling at the current exchange rate.

We are unable to accept either personal cheques or traveller’s cheques. We are also unable to accept €100, €200 & €500 notes at any time, this includes at the casino. 

Cash on board

If you require cash-back for any reason whilst you are on board you may charge this to your onboard account. There is a daily limit of £250.00 per day, £1,250 per 7 consecutive days and a maximum of £5,000 per 30 consecutive days, against a registered card.

On board credit

If you have any on board credit this will be used against your on board spend during your holiday, in most of the ships’ outlets.   On board credit cannot be used for the following:

Medical charges (including services, prescriptions and supplies)

Cash back

Purchase of foreign currency

International visas

Charity donations

On-board gaming (including the casino)

As full or part payment against a future cruise

All on board credits are non-refundable at any time. If you have purchased, or have received a gift credit then please be advised that the same limits as above apply. All gift credits are non-refundable on board.

Avoiding issues with your payment card/holding charges

Whilst you are on board your daily spend will be authorised with your card provider at the end of each day   to cover your spend for the previous day.  Your card provider, as part of their standard procedures, may retain these authorisations for up to 28 days and this is outside the control of P&O Cruises.  Until these authorisations are released, the available funds in the account could be affected. 

Payment is not taken from your account until it is finally settled on the day of disembarkation or at the end of a segment on a world cruise.  You may therefore wish to contact your card provider on your return to release these authorisations.

Prior to leaving for your cruise it is recommended that you advise your payment card provider of your trip away and that you will be on board a ship and visiting different countries. This will help avoid raising a security alert and your card being declined.

Foreign Currency

You can exchange your money on board into local currency for most ports of call.  There are however certain ports when the ship is unable to carry local currency.  In such cases, the ship will advise which currency is best to take ashore.  We can only accept back the currencies that we sell on board and only in the denominations that we sell.   There are limits on the amount of currency that can be exchanged, whether you are using a registered card or cash (£250.00 per day, £1,250 per 7 consecutive days and a maximum of £5,000 per 30 consecutive days). This is to ensure that we comply with anti-money laundering laws.  We are unable to accept €100, €200 & €500 notes at any time for currency exchange transactions.

No tips required

No tipping is needed on our ships, so you can relax knowing good service and good times are all part and parcel of your P&O Cruises holiday. 

Paying your final balance

P&O Cruises must receive the balance of your fare no later than 90 days* before departure. If you have made a booking with a travel agency they may request payment of the balance in advance of this date in order to ensure that your monies reach us by the balance due date. If P&O Cruises do not receive the balance by the due date, we reserve the right to end the contract between us and re-sell the accommodation held for you, which will also result in the forfeiture of your deposit.

We do offer an auto charge payment option, where your final balance can be taken from the creditor debit card you used to pay your deposit. If you haven’t done so already, this option can be set up for you by calling our Customer Contact Centre.

Alternatively, if you have booked direct with P&O Cruises, you can log in and pay you balance via our secure, online, payment facility. This facility allows you to view your outstanding balance amount and the date it is due. It is available 24/7, offering a quick and convenient way to pay your balance.

*Please note, for holidays departing on or before 1 October 2021 this is reduced to 30 days.