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Yes you can exchange money on the ship but you do not need to as all of the ports of call will take dollars or euros even though when on the ship we were told that estonia will not they do!!! as for excursions you can do your own thing in all the ports only a short walk to the towns except st petersburg were you can only go by an excursion or get your own visa.we booked on the ship there always seems to be room .
Yes you can exchange money on nearly all ships, i should guess you could on ncl. and you can book excursions on the ship too but there will be less avalibility as some places will already be booked before the crusi.