Yes, cruise ships belonging to major cruise lines like Carnival, Royal Caribbean, Norwegian, Celebrity, Holland America, Princess (& many others) all have ATMs on ships. Keep in mind that the fees to withdraw funds from ATMs on cruise ships is higher than on land and maximum withdraw amounts can be small. This means that if you wanted to withdraw a few hundred dollars, you might need to do this in multiple transactions, thereby incurring more than one withdrawal fee. While onboard the a cruise ship, cash is not accepted as payment for any items including drinks, additional food options, spa treatments etc.  All transactions are charged to your onboard stateroom account which is connected to your credit card or a cash deposit. Cash is accepted for additional tips for your stateroom attendants and waiters. To save money on ATM transaction fees, avoid the ATMs and use a credit card at your destination or come prepared with cash obtained from your own bank’s ATM prior to boarding. Please note: If the ships internet connection goes down (as is often the case when far away from land due to fluctuating satellite signals), the ATMs on cruise ships may be out of service as they rely on an internet connection.