When we went to Canada before we put everything on our credit card. When we got the bill there seemed like credit card charges for the exchanges.
What is the best/cheapest way to exchange money-
on the ship? using the credit card? finding a local atm will cost us more if it's not our bank? Any suggestions?

I have always heard that a local or commercial bank is the place to get the best exchange rate. When traveling though, this is not always practical or even possible.

Sometimes you just have to bite the bullet and pay the credit card charge or accept the less than ideal exchange rate on the ship.

If you have a fair idea of how much you are going to spend, you can exchange at favorable rates before you go.

Thanks F-mattox. I could exchange it at my bank in FL for the fair rate?

Not all banks do currency exchange; but if the one you have an account at does, then yes, that would be your best bet.

If not, any bank that does would give you a better exchange rate than the kiosk at the mall.

Thank you!