Best Answer

Wilba - Answered a Question by Richardson (20 Nov 16 21:01)

Never allow the cruise line to convert currency, ever, ever, ever.............Always the the card issuer.............Wilba.

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Richardson - replied to Wilba (20 Nov 16 22:24)

Thank you Wilba.

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Richardson - replied to Wilba (20 Nov 16 22:24)

Thank you Wilba.

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Molyneux - Answered a Question by Richardson (20 Nov 16 21:04)

We tend to use our own credit card's conversion. We find the rate is better. Incidentally, you refer to a debit card. I'm not sure if debit cards are accepted. If you do intend to use a debit card, I'd check with Celebrity first.

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Calverley - Answered a Question by Richardson (22 Nov 16 17:28)

Use a credit card which doesn't charge a conversion rate. I use Post Office as their conversion rate is 0%, but there are others ( Halifax?) .

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Jones - Answered a Question by Richardson (22 Nov 16 18:34)

IMHO The best answer is a combination of all three answers from Wilba, Molyneux and Calverley. Celebrity do accept debit cards but whether you should use one depends on the bank issuing it. Nationwide for example maybe OK but don't use the High Street banks such as Lloyds or Barclays, their costs are too great. The best thing to do is take out a new credit card with one of the cards recommended specifically for foreign currency transactions by Which or Moneysavingexpert.com and use it exclusively for your cruise account and any purchases you make whilst abroad. (Do not use it for drawing money from banks or ATMs however). As Calverley says the Post Office issue one and Halifax have the Clarity card. Do not use it for credit however - Make sure you pay it off IN FULL as soon as the bill comes in after you return to the UK otherwise you lose all the benefit of their preferential exchange / conversion rates because of the comparatively high interest rates charged. And as Wilba says NEVER EVER let the cruise line do the currency conversion for you, especially with the dollar/sterling exchange rate as bad as it is at the moment! Have a great cruise!

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Lucas - replied to Jones (25 Nov 16 18:48)

MasterCard exchange rates are close to Interbank rates and are usually much better than Visa's exchange rates. Consequently, I use a Post Office MasterCard for my on-board account and other overseas expenditure (but not cash withdrawals, which would incur interest charges from day one). The Saga Platinum Visa Card does not charge currency conversion fees and you do not incur any interest charges, provided you clear your entire balance within approximately three weeks of the statement date. Consequently, I use a Saga card for ATM cash withdrawals, because the 2% cash advance fee for is lower than the 2.75% non-sterling transaction fee on my HSBC Visa debit card. The Travelex Supercard is another cost-effective option, but you cannot register a Supercard for on-board expenditure.

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Tranter - Answered a Question by Richardson (22 Nov 16 23:00)

We always register our credit card at the start of the cruise. Over 30 cruises and the final bill has always been exactly correct. DONT let the company convert the dollars to £. Have them send the bill as it stands and let your bank do the conversion.

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Mackay - Answered a Question by Richardson (28 Nov 16 15:09)

I use any left over dollars to reduce the charges and to save me converting them back to sterling. t also saves on bank card/credit card conversion rates.

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