We normally start with $300 on our on board account. Will carry another $150 each in our pockets. Other then at the casino you won't be using cash on board. Granted most times we end up going to the on board ATM 2 or 3 times for more cash, but it helps us keep sending down. Our first we firgured on $1500 for on board spending, came home with so many pics it took over 2 hours to show them all to anyone..