Euros

You have two options:
1) ATMS. Look for those associated with a bank and try to go during bank hours in case you need help.
2) Guest Services. Depending on the policy of your cruise line, you may be able to do exchanges at the guest services desk on the cruise ship.

Thank you!

If you’re not leaving right away, you can also order Euros from your bank at home to bring on the trip.

Do you know if it's a better exchange rate to do this?

The exchange rate itself will be market rate or close; but the bank will likely charge a service fee.
Bank ATMs are pretty easy to find, honestly, and that way you aren't carrying around a wad of cash. Get it as you need it.

you may be able to do exchanges at the guest services desk on the cruise ship.

If you're concerned with exchange rates, this may not be the best option.

Thank you all for your help

if you take a (or 2) contactless card (or Apple Pay or Google Pay on your phone)- with the wave logo - you may be surprised how many times you don't need to get your wallet out. Don't get too much cash or you will have to pay to change it back. Just enough for a few purchases and top up if needed.

The famous German "Not-Fuffi" (50 Euro for emergency cases) you can get from ATMs. If you can choose the output choose 5x 10 Euro. Some coins from first return money can help to sometimes pay toilets or entry fees for a market. Be aware to return cups / mugs because sellers of drinks took a "rental" fee when you bought the drink.

About ATMs in Germany - from another post.

In Germany travelers will find 4 large ATM pools used / operated by full banks. Every ATM will show the user the expected fee of the transaction by this bank at this ATM; your own bank might add others.

Most trustworthy are the following banks / ATM networks:

Sparkassen
Volksbank, Raiffeisenbank, PSD (BankCard)
Cash Group: Deutsche Bank, HypoVereinsbank, Commerzbank, Postbank
Cash Pool: BBBank, National-Bank, Santander Consumer Bank, Sparda-Banken, Targobank and others

Have a good and safe trip.

On arrival you will be tired, jet lagged, sleepy, on new turf, and probably in awe of where you are. Most people (self included) don't need to be handling sharp instruments or operating and ATM under those circumstances. In addition, there is the problem of finding a "real bank" ATM, waiting in line to use it, and hoping all goes well. ATMs have been know to malfunction and do run our of currency at times.

Regardless, be sure to check with your bank and or card provider to see if you need to place a travel alert on the ATM and / or debits cards. The same goes for any credit cards. Some require a travel alert, and others don't.

The "extra" cost of getting 100-200 euros from your local bank before leaving in nothing compared to the overall cost of the trip. And it's a small price to pay to eliminate one more hassle upon arrival.

Just offering food for thought.

I have never had a problem with the 50 or even 100 Euro notes. I will admit to being uncomfortable using them other than at a restaurant or grocery. But if you can specify the notes ( some ATMS allow this ), do so. Otherwise I try to get an amount ending in 85 or 95 Euro.

You do not need to return the drink cup/mug if you want to keep it as an inexpensive souvenir

No problems when paying with a 50 or even a 100 Euro bill, re: paying the hotel bill, ie with !00 Euro notes or a 50 Euro bill for lunch or dinner either in Germany or France.

@ Mark ....Thanks for the colloquial word "Fullfi ". I always said the High German word ein Fünfziger, eg, changing a Fünfziger into smaller bills. The Hochdeutsch word is a dead give-away that one is an outsider. another word added to my Umgangsprache vocab.

Do not use the exchange services on the ship or in a hotel. Crappy rates and high fees.
If you land at Frankfurt airport, there are Deutsche Bank ATMS in multiple locations. They are not difficult to use, even with jet lag and the airport is a safe place to get your money and store it in your money belt. (Yes, there are pick-pockets at many Christmas markets.)

Change that 50 or 100€ bill at a grocery store, when you buy snacks or drinks.

We land in Munich and then transfer flights to Prague. We have a couple of days in Prague before going to Germany. I know Prague doesn't use Euros. Would the Munich Airport be a good place to use an ATM?

I've flown into MUC multiple times, but not for a decade and not into the new Terminal 2 satellite building. When I've flown in, always from the US to the out-of-Schengen floor of T2, we've gone through immigration on that floor, then down an elevator to the baggage claim room (even though I carry-on). I've always used the ATM in the baggage claim room. I believe it's a Deutsche Bank ATM.

However, I think the baggage room is outside security, so if you use that ATM, you might have to go back through security to get to your connecting flight. I doubt that there are ATMs inside the security zone; at least I've never seen one.

BTW, in most of the eurozone, except France, the plural of euro is euro, and it's not capitalized. A lot of European languages don't use an 's' for plurals, so the European Central Bank, who issues euro, has specified that the plural of euro is euro (think sheep or Zimmer).

The best banks I've found over here to get euro are Wells Fargo or Bank of America. They both charge 5% over the Interbank rate. They set the rate for the day early in the morning for all day, so when the Interbank rate changes during the day, the % changes too.

The only time I've ever purchased foreign currency before going over was when I was going by train from Germany to Prague and buying my ticket from a counter in the Czech side of the station building at Bayerisch Eisenstein, and I didn't know if they took euro or what the discount would be. My host in Zwiesel told me that there was no place there to get Koruna, so I got enough to cover the ticket before I left Denver.

Check your local mall as it may have one. There was a Currency Exchange International (CXI) at the mall where I used to live. In Germany I’d use a Deutsche Bank ATM since it’s a partner bank of Bank of America.

If you have not been to an airport in 10 years, the information offered about it may be woefully out of date. This goes for many cities too. They are all in flux and construction changes everything.