Caribbean currency: What money to bring on your cruise

Planning a Caribbean cruise? You’re in for sunshine, stunning beaches, and plenty of island adventures. But before you set sail, there’s one thing you’ll want to get sorted, what currency should you bring?

With so many islands, each with its own currency, it can get a bit confusing. Some places use US dollars, others have their own, and a few accept both, but don’t worry, we’ve got you covered.

In this guide, we’ll break down which currencies you’ll need for each stop and share some handy tips to make your spending smooth and stress-free. Let’s dive in!

Currency by destination:

Curacao

Willemstad is the capital of Curaçao, located in the southern Caribbean Sea, about 40 miles north of Venezuela. This vibrant city is renowned for its colourful Dutch colonial architecture and rich cultural heritage. 

Top activities:

• Explore historic districts: Wander through Punda and Otrobanda, the city’s two main districts, connected by the iconic Queen Emma Bridge. ​
• Visit museums: Discover local history and art at the Kura Hulanda Museum and the Curaçao Maritime Museum.
• Shop at the floating market: Experience the vibrant market where vendors sell fresh produce from boats.​
  

Currency to bring:

Curaçao’s official currency is the Caribbean guilder, introduced on March 31st, 2025, replacing the Netherlands antillean guilder (ANG).

Bahamas 

The Bahamas, an archipelago of over 700 islands, lies in the Atlantic Ocean, southeast of Florida. Known for its stunning white-sand beaches and crystal-clear turquoise waters, it’s a top destination for travellers seeking both relaxation and adventure.​

Top activities:

• Explore Nassau: Visit the capital city for its vibrant culture, historic sites, and lively markets.​
• Visit Paradise Island: Home to the renowned Atlantis Resort, offering water parks, casinos, and marine exhibits.​
• Relax on Pink Sands Beach: Enjoy the unique rosy sands of Harbour Island.​
  

Currency to bring:

The official currency is the Bahamian dollar. It’s advisable to carry small denominations for local markets and transportation.

Haiti 

Haiti, located on the island of Hispaniola in the Caribbean, offers a rich blend of history, culture, and natural beauty. From stunning beaches to historic landmarks, this vibrant nation has much to explore.​

Top activities:

• Visit the Citadelle Laferrière: Explore this impressive mountaintop fortress, a UNESCO World Heritage site and symbol of Haitian resilience.
• Relax on Jacmel’s beaches: Enjoy the serene beaches of Jacmel, known for their clear waters and artistic community.
  Discover Bassin Bleu: Take a refreshing dip in these picturesque waterfalls and turquoise pools nestled in the hills near Jacmel. ​
  

Currency to bring:

The official currency is the Haitian gourde (HTG). However, U.S. dollars are widely accepted, especially in tourist areas.

Jamaica:

Jamaica sits in the heart of the Caribbean Sea, just south of Cuba. It’s known for reggae, friendly locals, and stunning natural beauty.

Top activities:

• Visit Dunn’s River Falls: Climb this famous waterfall near Ocho Rios. It’s great for all ages and perfect for photos. 
• Explore the Blue Mountains: Go hiking or take a tour. You’ll see incredible views and taste some of the world’s best coffee.
• Tour Bob Marley’s home: Head to Nine Mile, the reggae legend’s birthplace and resting place. A must for music lovers.

Currency to bring:

Jamaica uses the Jamaican dollar (JMD). Many tourist areas also accept US dollars, but you’ll usually get change in JMD. 

Virgin Islands:

The Virgin Islands sit east of Puerto Rico in the Caribbean Sea. The islands are split into two groups, the British Virgin Islands (BVI) and the U.S. Virgin Islands (USVI). Both offer white-sand beaches, turquoise waters, and a laid-back island vibe.

Top activities:

• Sail between islands: The Virgin Islands are famous for island-hopping. Charter a boat or join a tour.
• Snorkel at Trunk Bay: This beach on St. John is a top snorkelling spot with an underwater trail.
• Explore The Baths: Giant granite boulders create hidden pools and caves on Virgin Gorda. It’s like a natural playground.

Currency to bring:

US dollars (USD) are used in both the US Virgin Islands and the British Virgin Islands. There’s no need to exchange money if you already have dollars. 

St. Maarten

St. Maarten is a unique island in the northeastern Caribbean. It’s split between two nations, the Dutch side (Sint Maarten) and the French side (Saint-Martin). So, you can enjoy two different cultures on one tropical island! 

Top activities:

• Watch planes land at Maho Beach: It’s one of the few places in the world where jets fly right over your head as they land. A must-see!
• Explore Philipsburg: The capital of the Dutch side is perfect for shopping, beach walks, and delicious local food.
• Visit Marigot Market: Browse local crafts, fresh produce, and Caribbean street food.
  

Currency to bring:

You’ll need Caribbean guilder when you visit St. Maarten. You can order your currency with Manor FX before your cruise.

Barbados:

Barbados sits on the eastern edge of the Caribbean. It’s known for its warm weather, friendly people, and stunning beaches. With a mix of Caribbean vibes and British heritage, it’s a unique place to explore. 

Top activities:

• Relax at Carlisle Bay: Calm waters, soft sand, and great snorkelling. You might even spot a turtle.
• Visit Harrison’s Cave: Take a tram tour through this limestone cave filled with underground waterfalls and crystal-clear pools.
• Explore Bridgetown: Walk around the capital city to find historic buildings, shops, and local eats.

Currency to bring:

Barbados uses the Barbadian Dollar (BBD), so make sure to order your travel money with Manor FX before you travel.

Basseterre 

Basseterre is the capital of St. Kitts and Nevis, located in the Eastern Caribbean. It’s a small but lively city filled with colonial history, colourful streets, and a warm island vibe.

Top activities:

• Stroll through Independence Square: Once a colonial plaza, now a peaceful spot surrounded by historic buildings and trees.
• Climb up to Brimstone Hill Fortress: A UNESCO World Heritage Site with stunning views and fascinating history.
• Visit the National Museum: Learn about the island’s past, from sugar plantations to independence.

Currency to bring:

St. Kitts and Nevis uses the Eastern Caribbean Dollar (XCD). US Dollars are also widely accepted, especially in tourist areas.

Honduras:

Honduras sits in Central America, with a stretch of coastline facing the Caribbean Sea. It’s known for lush rainforests, ancient ruins, and some of the best diving spots in the region.

Top activities:

• Explore Roatán Island: Part of the Bay Islands, Roatán offers clear waters, coral reefs, and world-class snorkelling and diving.
• Visit Copán Ruins: Travel inland to see this impressive ancient Maya city. The carvings and temples are breathtaking.
• Relax on West Bay Beach: White sands and calm seas make it perfect for a lazy beach day.

Currency to bring:

Honduras uses the Honduran Lempira (HNL). US dollars are accepted in many tourist areas, especially on the islands. 

Takeaways

No matter where your Caribbean cruise takes you, having the right currency makes your trip smoother. Some islands prefer their own money, while others are happy to accept US dollars. A little planning before you go means less hassle when you’re there.

Order your travel money in advance, carry small notes, and keep some cash for local markets and tips. With your currency sorted, all that’s left to do is relax, explore, and soak up the sunshine. 

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