The Baltic Sea countries and the Millennium cruise was excellent. We would recommend this ship and itinerary to others.
In some ports you may want to exchange money to local currency. Some suggestions:
1) The two ATM machines aboard the Millennium were never operational! One was located to the starboard (right) of the Shore Excursion Desk (see photo) and the other on the aft and starboard entrance to the casino.
2) The ships bank (check hours as they vary daily) will exchange currency. The ships bank will charge a premium on all currency transactions (only the airport offers a poorer exchange rate) and deals only with foreign bills (no coins).
3) Local shore ATMs can be found in most countries.
4) Use your credit card for large purchases and get the best exchange rate. Local exchange kiosks usually give better rates than the ship. For the best rate look for ships personnel standing in line to exchange their money.
5) In Russia, Rubles can not be bought or exchanged out of the country. We had to show our passport (the bank keyed in passport #) to exchange $ for rubles.
6) In St. Petersburg, Russia the toilets are pay and if using dollars the rate is 4 people for $1 (no change). In Wundermire, Germany the toilet attendants took only Marks. Its always best to have a few dollars for small purchases.
7) In Poland, the liquor stores would not take dollars (and the Polish Bellvidere Vodka is the BEST).
Many passengers did not exchange currency and assumed local merchants SHOULD take US dollars. Many merchants will take the $ but their exchange rate can VARY substantially! We try to blend into visiting countries and use local currency for small purchases.