True, but when we did our Baltic cruise, a lot of the shops had prices in both the local currency and Euros or offered an exchange rate for Euros (not to your benefit but it's also a fairly common practice in Canada with cities near the US border and is convenient for people who don't visit often or who only spend a short period of time here). We only used cash for the very rare occasion in northern Europe - we nearly always used our credit card for purchases. It's also very easy for them to exchange Euros for local currency in much the same way as we exchange US dollars in Canada for Canadian dollars. It's a pretty routine transaction at the bank in both directions and the same is true in most of Europe.
Everything is paid for and we will be using cc whenever possible but normally we would tip with cash. We have done European land and cruise trips but the cruise was a Med and used all Euros so it was easy. Before we embarked from Barcelona, I had tip envelopes made for each stop on the cruise.
Normally, I would have booked this cruise like a year in advance and I would find out how to get local currency from a bank in the US. I love to do research for vacations!
This was a last-minute booking. We fly a week from Saturday.
I would think my small, local bank might offer Pounds or Euros but I'd be shocked if they said, "Sure we have some Danish Kroner right here!" (Probably the only thing Danish they'd have is some sticky buns in their employee lounge. lol)
To add to our last minute stress, our 19 yr old hurt his back doing heavy lifting at work. Wrongly assuming 'he's young; he'll heal quickly' he waited a week to see the dr. Well, it's been 3 weeks and a round of steroids later and still no improvement.
Finally got in to see an orthopedic dr and got started in PT yesterday and he is really improving but just was able to stand up straight today instead of bent forward and I can't see him doing the 4+ miles involved in our walking tour of Oslo, not to mention all the walking you do on the ship. I know that wicked sciatica pain all too well. I just ordered a small wheelchair but they're not accepted on any of the excursions that we have booked.
DCL does offer excursions that will accommodate a collapsible wheelchair but they sound very boring, as in our huge bus will pass by that castle you'd like to see.
So now at this late time, I'm re-reading all the excursion descriptions and comparing how much walking/standing they involve, and what else we can do in each city. I quickly booked a private guide for Oslo since that involved the most amount of walking and our driver has no problem storing the wheelchair as needed.
I will call my bank tomorrow and see what they can do.