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Currency for a Baltic Cruise?

I'm sorry if this has been asked before, but my husband and I are going on a Baltic cruise in May. I've been doing some research and am seeing conflicting reports on currency. Some people have said that the countries with their own currency will typically take Euros (in the touristy places). Others have said that you can only use the currency of that particular country. Also - what is the best way to get currency? I know they will change it on the ship, but how is the exchange rate? When my husband and I went to Ireland last year, we just used a debit card and ATMs (no credit cards). It was so easy...but I'm thinking this will be a bit more complicated than that! Thanks for your help. 
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Re: Currency for a Baltic Cruise?

  • I did this cruise a few years ago and it is the hardest one as far as currency goes.  All the other Med cruises are just Euros, so very easy.  What I did was get enough currency at home to start in my first location so I wasn't worried about money as soon as I got off the ship.  If I needed extra, I used an ATM while walking around town, but only getting enough for the day.  If I ended up with a small amount left ($10 - $20 worth), I would exchange it on the ship that night for the NEXT ports currency.  Yes, they don't have the best exchange rate, but for that small amount of money, it made it pretty easy and convenient.  This way, again, I had a small amount of local currency when getting off the ship and could just stop by an ATM on our travels.  This was one of my most favorite cruises, so have fun!
  • Thanks! We're departing from Copenhagen, so I'm thinking I will bring some Euros with us (which can be used in Germany and Finland too) and get Danish krone from an ATM. We had enough cash in two different accounts connected to two different debit cards when we went to Ireland, just in case we had trouble with one of the cards. I guess we could also exchange the Euros in a pinch. 
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  • Only the very touristy places will take other currencies. You'll definitely need local in most places.

    When we did a Baltic cruise, we didn't have any problems finding an ATM shortly after we docked. In Tallinn, there was one at a gas station we passed walking into town, and in St.Petersburg they had ATMs in the cruise terminal right outside the immigration checkpoint. If you're booking a private tour in SPB, the tour operators take US cash (we actually had to stop and do the conversion since we wanted to pay in Rubles) and most of the tourist shops we ended up in would take dollars as well.

    Also most of the Scandinavian cities will take card just about anywhere. 

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  • We actually had a lot of trouble with this when we were on our honeymoon, which left Copenhagen.  Of course a lot of places will not tell you till youre ready to pay that they only take cards with a pin (so we assumed they meant debit cards, which we didnt bring at all) or their credit cards have pins.  Second of all...you can pay in Euros...but it must be paper euros, no coins, and you'll get your change in the local currency.  So when we were in Copenhagen we paid for dinner in all the paper euros we had (cause no one warned us about this) and were paid back in danish kroner.  In Oslo, paid in again some paper Euro and got norwegian kroner back.  Amsterdam I cant remember having a problem.  And I dont remember my mother in law saying anything about this on her baltic cruise, but that was about 6 years ago. 

     Our lesson, take a debit card to get local currency or ask up front about paying before you decide to do anything.  We were pretty upset about this and felt that it was not noted anywhere or told to anyone before eating/going anywhere.

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    At sea, heading to Lisbon, Portugal Anniversary
  • I went on a Baltic Cruise 7 years ago, and I don't remember having any issues with currency. I think that's just because I used my credit card pretty much everywhere!
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