I spent 2 weeks on an RCCL cruise in Europe and I never noticed because I never use the ATM onboard a ship.
I do know they have them on RCCL ships and I do know there's a $5.50 service fee for using it (on top of what your bank or credit card will charge). But I don't know about Euros.
What I prefer to do when traveling in Europe (more than 3 months in the last 3 years) is to use my credit card for any purchases more than about $50 and then use my debit card at ATM machines, which are all over the place. Makes it quick and easy, plus it's cheaper - again, depending on what your bank or credit card charges.
Travel Agent/Cruise Specialist w/12 yrs exp and 47 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!