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Debit Hold Amounts by Cruise Line



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To help you gauge how much money the cruise line will pre-authorize from your debit or credit card, we made a list of each cruise line.

These are answers the cruise line gave me either by calling, or through their website.


  • Pre-authorization hold: This goes for both credit cards and debit cards – Initial hold of $100 (for cruises 5 days or less) or $200 (for cruises 6 days or more).

Celebrity Cruises

  • Pre-authorization hold: No hold initially, but it’s based on your spending habits.  If you spend a couple hundred dollars, they won’t put a hold on your card.  If you spend $700 (as an example), then they’ll start to put your card on hold for more than that because they see you spend more than maybe the average guest.


  • Pre-authorization hold: $300


  • Pre-authorization hold: none

Holland America

  • Pre-authorization hold: $60 per person, per day

MSC Cruises

  • Pre-authorization hold: US $250


  • Pre-authorization hold: 7 day cruise: $300 per person; less than 7 days: $150 per person; more than 7 days: $450 per person

Princess Cruises

  • Pre-authorization hold: $300

Royal Caribbean

  • Pre-authorization hold: none

Things to Remember

  • The cruise lines don’t recommend using a debit card for your onboard account.
  • Multiple holds may be placed on your debit card account based on your onboard purchases (depending on the cruise line).
  • After settling your onboard account, the holds may remain on your account up to 30 days after the cruise ends.
  • To avoid overdraft charges from your bank, make sure that you have enough available funds in your account during the holding period (or that you didn’t reach your limit on a credit card).
  • The cruise line isn’t responsible for overdraft charges resulting from holds placed on debit card accounts.

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