Getting cash from the casino

[cathi007]

Does anyone know if NCL charges to get cash from the casino. I love to gamble, but don't want to travel with too much cash. Also is it considered a cash advance from the CC company, or just purchases on the cruise

[NLH Arizona]

Just now, cathi007 said:

Does anyone know if NCL charges to get cash from the casino. I love to gamble, but don't want to travel with too much cash. Also is it considered a cash advance from the CC company, or just purchases on the cruise

Yes, there is a 3% service charge.  Since it is charged to your onboard account, it is considered a purchase.

[pete_coach]

Don't they have ATMs in the casino?

[BirdTravels]

Yes. There are ATMs in the casino. 

 

The casino charges 3% to charge to your room account. Looks like a purchase to your credit card company, so no cash advance fees from them. 

 

But consider, a $500 Room charge costs you $15 service charge. $500 from the ATM cost you a $5.99 service charge (plus whatever your baklnkncharges you). Unless you are a CAS player with the service charge waived, the ATM may be a better way of getting cash. 

[esm54687]

To add what BirdTravels posted..... if using your CC at the ATM then it is considered a cash advance and higher applicable fees will be charged. 

[Relax@Sea]

This may be an option for you. I always contact the Casino at sea department prior to sailing and make a wire transfer to the ships casino, NCL will give you the bank routing number and you can make the transfer. My bank did not charge me any fees. The unused money was transferred back to my bank within 3 days after I returned.

The ship casino did not charge any fees to get my cash BTW.

Edited December 2, 2018 by Relax@Sea

[cathi007]

43 minutes ago, esm54687 said:

To add what BirdTravels posted..... if using your CC at the ATM then it is considered a cash advance and higher applicable fees will be charged. 

Exactly what I am trying to avoid 

 

[zqvol]

American Express still offers traveler's checks. Just get someo of those and cash them at the service desk or in the casino at the window.

[Mike_DeA]

You can set up a line of credit with the casino as well.

 

The ATM idea works if your bank doesn't charge fees and you used your bank card, not a credit card, and if you stay within the daily withdrawal limit of your bank (mine is $500 I think).

[cleopup]

On 12/3/2018 at 12:28 PM, Mike_DeA said:

You can set up a line of credit with the casino as well.

 

The ATM idea works if your bank doesn't charge fees and you used your bank card, not a credit card, and if you stay within the daily withdrawal limit of your bank (mine is $500 I think).

Contact CAS set up line of credit take money as needed no fee .At beginning of cruise leave a blank check  at the cage ,at the end of the cruise go to cage and fill out check for amount taken. You can pay off some with winnings (if you have any)

[cathi007]

11 hours ago, cleopup said:

Contact CAS set up line of credit take money as needed no fee .At beginning of cruise leave a blank check  at the cage ,at the end of the cruise go to cage and fill out check for amount taken. You can pay off some with winnings (if you have any)

Thanks, I think I will contact CAS, sounds like the most logical plan 🙂

[Mike_DeA]

3 hours ago, cathi007 said:

Thanks, I think I will contact CAS, sounds like the most logical plan 🙂

There is an online application:

 

https://www.ncl.com/credit

[VideoTech]

Your casino cash options are:

 

1. Bring it with you - downside, carrying the cash. Up side - a fixed gambling limit if you're strong willed enough not to resort to any of the rest of these.

 

2. Cash advance on your room account. This carries a 3% service fee, unless you're at or above a certain level of CAS player club. Down side: the fee (particularly if you do it more than once). Up side: you're not carrying around a lot of cash before the cruise; the cash shows as a purchase on your ships account, so no cash advance charges from the CC company. 

 

As a side note to #2: You can do this right at a slot machine with a cash advance that loads the cash into the machine you're playing. The balance you don't use remains available for you to use. Just be aware that each time you do this, you still incur the 3% fee (again, unless you're above a certain CAS level).

 

3. ATM withdrawal. There is a fairly stiff fee ($ 5 or $6 last time we cruised) for the withdrawal from the ship's ATM company, plus any fees your bank may charge you. And yes, as mentioned if you do with with a CC instead of a Debit card, your bank will likely regard this as a cash advance against the card with the associated fees (if any). 

 

4. Line of Credit from the Casino: You establish this with the casino before your cruise, using the form and instructions you can find on the CAS portion of the NCL website. 

 

Hope that helps..

 

 

[cathi007]

5 hours ago, VideoTech said:

Your casino cash options are:

 

1. Bring it with you - downside, carrying the cash. Up side - a fixed gambling limit if you're strong willed enough not to resort to any of the rest of these.

 

2. Cash advance on your room account. This carries a 3% service fee, unless you're at or above a certain level of CAS player club. Down side: the fee (particularly if you do it more than once). Up side: you're not carrying around a lot of cash before the cruise; the cash shows as a purchase on your ships account, so no cash advance charges from the CC company. 

 

As a side note to #2: You can do this right at a slot machine with a cash advance that loads the cash into the machine you're playing. The balance you don't use remains available for you to use. Just be aware that each time you do this, you still incur the 3% fee (again, unless you're above a certain CAS level).

 

3. ATM withdrawal. There is a fairly stiff fee ($ 5 or $6 last time we cruised) for the withdrawal from the ship's ATM company, plus any fees your bank may charge you. And yes, as mentioned if you do with with a CC instead of a Debit card, your bank will likely regard this as a cash advance against the card with the associated fees (if any). 

 

4. Line of Credit from the Casino: You establish this with the casino before your cruise, using the form and instructions you can find on the CAS portion of the NCL website. 

 

Hope that helps..

 

 

Thanks, and it does help 🙂

[Rob031]

I post a credit card to my account that gives me a 2% cash back, since the money taken from the casino is charged to your room as an expense and not a cash advance, i wind up only having to pay 1%