ATM

[hans55]

If I use the ATM on board an NCL ship where does it appear to be from. I need to notify the bank ahead of time.

[julig22]

Probably Florida, but just a guess.

Depending on what you need in the way of cash, charging to your account in the casino can be cheaper.

I believe the ATM is $5.95 plus whatever your bank charges.

Charging to your on-board account is 3%, travel purchase.  So no cash advance or foreign transaction fees.  Depending on what your card rebates for travel, you can get some, if not all, of your fee back in points or statement credit.

[casofilia]

@hans55

 

If I use the ATM on board an NCL ship ...

 

Simple answer; DON'T!!

[BirdTravels]

44 minutes ago, hans55 said:

If I use the ATM on board an NCL ship where does it appear to be from. I need to notify the bank ahead of time.

Most banks won't care. It will be a random Miami FL business. Last cruise it was "Everi". Other cruises it would be the ship's name. Other cruises it would be "NCL". 

[phillygwm]

3 hours ago, hans55 said:

If I use the ATM on board an NCL ship where does it appear to be from. I need to notify the bank ahead of time.

Per my most recent bank statement, Miami.  It's the NCL corporate office address.

 

7665 Corporate Cenmiami Fl 7484

[SpacemanSpiff]

19 hours ago, casofilia said:

@hans55

 

If I use the ATM on board an NCL ship ...

 

Simple answer; DON'T!!

Here's where it helps to do a little research and planning.  There are banks that reimburse "foreign" ATM charges (i.e., outside their bank network) and don't charge for the currency translation, if applicable. We use Schwab Bank, and I am sure there are others that work well for travel.

Edited September 3, 2022 by SpacemanSpiff

[julig22]

5 minutes ago, SpacemanSpiff said:

Here's where it helps to do a little research and planning.  There are banks that reimburse "foreign" ATM charges (i.e., outside their bank network) and don't charge for the currency translation, if applicable. We use Schwab Bank, and I am sure there are others that work well for travel.

Also use Schwab debit card to get foreign currency when needed.  It's not connected to my regular bank accounts so if there are any problems with fraudulent activity, any losses are limited to the pre-loaded amount in the account.  But I could also call and have money transferred into that account if I needed emergency cash while traveling.

 

But the ATM onboard is US-based, so no foreign charges for US passengers.  And for what it's worth, some ships do have euros at guest services (not the ATM) but I don't know what conversion rate they use.

[snorklinbarb]

On 9/2/2022 at 6:36 PM, casofilia said:

@hans55

 

If I use the ATM on board an NCL ship ...

 

Simple answer; DON'T!!

Can you expand on that, Mike?

Last cruise in Eur. didn't want to carry wads of cash so used the room charge option but boy, those 3% charges in the casino sure add up.

 

Going on Joy out of NYC this week so a little easier to go cash heavy and avoid most of those charges.  Casino host advised using ATM for 5.99 fee (are there are other hidden fees?) and coming out way ahead on fees.

[Sundiego]

4 hours ago, julig22 said:

But the ATM onboard is US-based, so no foreign charges for US passengers.  And for what it's worth, some ships do have euros at guest services (not the ATM) but I don't know what conversion rate they use.

I don't think the poster meant foreign as in "foreign country". It was foreign as in an ATM not owned by your banking institution.

 

~Denise

[Russiamomm]

I don’t think there’s any right answer here.  I use the ATM because my bank reimburses me for all ATM fees, so it makes sense for me to just pull cash out as I need it.  It’s also scary in the casino.  😂. For some people paying the 3% makes sense.  For others it makes no sense at all.  You’d be better off carrying cash.

[casofilia]

@snorklinbarb

 

For me there is an foreign cash transaction, the ATM charge and the exchange rate is terrible.   As we cruise a lot I far prefer to carry cash and use a credit card.

[Russiamomm]

44 minutes ago, snorklinbarb said:

Can you expand on that, Mike?

Last cruise in Eur. didn't want to carry wads of cash so used the room charge option but boy, those 3% charges in the casino sure add up.

 

Going on Joy out of NYC this week so a little easier to go cash heavy and avoid most of those charges.  Casino host advised using ATM for 5.99 fee (are there are other hidden fees?) and coming out way ahead on fees.

You on Tuesday’s sailing?  If so, see you there!