I carry a credit card that does not charge currency conversion fees and use this ashore. It is a difference card than I use for the ship. Also carry some amount of cash depending on the length of the trip and ports being visited - only take a small amount on shore, the rest stays in my cabin safe.
All I ask is a tall ship and a star to steer her by; John Masefield
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
Celebrity: Summit 2011
Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014, Regal 2014, 2016
Sail Windjammer: Mandalay 2017
Star Clippers: Royal Clipper 2015