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Take lots and lots of money. 2 reasons, the trips in each port are essential to see in our 14 night baltic cruise- 2 years ago on celebrity, we spent about £750 for the two of us on trips. second reason, each place has some fabulous must buy items! really that is so true. the euro or the dollar gets you through most places. you can change up coffee and cake money on board before you go to each place. gifts- use the credit card. have fun i did. Kosta boda glass, russian icon paintings, precious stone jewellery, fur and leather items need i say more.
I can't tell you how much to take but the normal practice is to take Euros which are generally accepted throughout the Baltic but remember you are often, but not always, given change in the local currency and it is always worth asking for Euros in change as they often do that. If you are relying on ATMs for topping up non-Euro countries will obviously issue their own currency. I think P & O have an ATM on the ship but I'm not certain. The US Dollar is readily accepted in Russia as well as Euros and this applies to one or two other countries as well. That may have thrown up more questions than answers for you, if it has then I apologise but ask again ..... Nei.
Nearly every country has a dfferent currency, even though many are in the EU. When we went we just used our credit cards for any big purchases and euros for small purchases and these were acceptable in all countries. Yes the rate of exchange was probably not good but changing currency and then rechanging the surplus is not smart either.
You don't need to take any currency. All you need is a debit or credit card and the pursers office will supply you with what you need.No commission is charged. On board the ship they don't take cash. You will get a cruise card and all your purchases will be added to it. At the end of your cruise you will get a statement which you will need to pay for by credit or debit card.
A credit card that doesn't charge you a fee for using it abroad, such as the Nationwide, would be a good idea for a start. Also a cash card that can be used in bank cash machines all over the world is very handy, as using these in each different country to withdraw cash direct from your UK bank account is quick, convenient and often works out cheaper than exchanging cash in the usual way. P&O will change sterling into all the necessary currencys (and back) on a day to day basis AT A PRICE, and if you don't mind queuing up to do it. Your onboard credit (day to day ship expenses), is normally settled with a credit card, so no need to worry about cash for anything spent on the ship. How much money you will need is very much down to how much you spend isn't it? I would budget for about £50 per day off of the ship as a rough guide. This very much depends on whether your are going to explore independently and pay for meals and entry fees on the spot, or book your tours onboard ship and pay for everything upfront doesn't it? I think you need to sit down and give it a bit of thought and consideration before coming to any decisions!
I would suggest that you get your currency on board the ship when you dock, you will know then if you are going to disembark and how much currency you require, it is very easy to change your sterling into currency at reception.
Obviously it depends on how much you are spending but we did this last year on the Jewel of the Seas (RCI). Only wanting 'pocket money' we took around £50 in each currency. We used Travelex (internet) for the exchange and picked it up at the port. We didn't spend all of the different currencies, so rather than to be stuck with it, we paid it off our onboard account. So we probably didn't get the best exchange rate in the world but as we had budgeted the 'pocket money' before we went, it had the added bonus of reducing the unknown onboard spending. Only you know what your likely purchasing will be (there is always your credit card for large ones), this is just an idea of what to do with the leftovers. Hope this helps.
We are also going on this cruise and because there are so many different countries with different currencies we have decided to take some Euros and just use our credit/debit card on board to get the required currency as we land in the different ports. Norway has the Krone,Sweden the Krona, Finland the Euro, Denmark the Danish Krone, Tallin the Kroon and Russia the Rouble Then Belgium and Germany have the Euro.
I'm taking just 200 US dollars , 200 euros and credit card on our Baltic trip in 3 weeks time .All trips are booked and preplanned early.Hope the weather is ok.
You only need currency for spending money when you are off the ship. Everything you buy onboard is charged to your onboard account which has to be paid, probably by credit card on the last day. Just budget for a normal holiday. You will have a safe in your stateroom anyway.