Q: Can I change money on the ship?
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Q: Can I change money on the ship?
February 25, 2026 / 12:00 AM CST
Answered 1
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kasaFebruary 25, 2026 / 12:00 AM CSTA:
No, you generally cannot exchange foreign currency on the cruise ship itself.
Yangtze River cruise ships operate like floating hotels, and their primary focus is on hospitality and excursions, not banking services. While they accept payments for onboard expenses like drinks, souvenirs, or spa services, these are almost exclusively in Chinese Yuan (RMB). The reception desk may help you settle bills, but they do not function as a currency exchange bureau. Most ships lack ATMs, and while international credit cards (Visa, MasterCard) are often accepted for settling your final bill or larger purchases, you cannot use them to withdraw cash or convert foreign banknotes. The crew handles RMB transactions daily, but foreign cash is a rarity and an operational hassle for them.
Variations between major cruise lines like Century and Victoria are minimal in this aspect. Both prioritize RMB transactions. However, on some higher-end Century Ships, the front desk might offer a very limited, ad-hoc exchange service for small amounts of major currencies like USD or EUR, but the rates will be unfavorable—much worse than at a bank. Victoria Ships typically have no official exchange capability at all. It's safe to assume that neither fleet provides reliable, formal foreign exchange. The rule of thumb on the river is: come prepared with the local currency.
> Guide Jin's Advice: Do not rely on the ship for currency exchange. Your best bet is to arrive in China with some RMB or exchange money at the international airports in Chongqing or Yichang before embarkation. Bank of China or ICBC branches in these cities offer fair rates. Also, while in port, major towns like Fengdu or Shibaozhai will have ATMs that accept foreign cards, but connectivity can be unreliable, so don't count on it as your sole plan.
For a smooth journey, I recommend exchanging a sufficient amount of RMB before you board to cover tips, small souvenirs from port vendors, and any incidental onboard costs. Use your credit card for the main shipboard account. This way, you avoid stress and can focus on the experience. Always carry some small denomination RMB notes for quick purchases during shore excursions, as rural markets rarely accept cards.
Enjoy the stunning views of the Three Gorges!
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