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Panama Cruises: Frequently Asked Questions What currency is used when going on Panama cruises? The Balboa is the official currency of Panama. However, American money is accepted throughout the country. Other frequently asked questions about Panama cruise: How Should I Choose My Panama Cruises? What will I need to enter the country for Panama cruises? What currency is used when going on Panama cruises? What language is spoken in Panama? What type of weather should I expect on Panama cruises? What about the cuisine on Panama cruises and on land?