ATM Fees in Japan
Japanese Yen (JPY) • Updated April 2026
Japan was traditionally cash-heavy but card acceptance has improved significantly. 7-Eleven and Japan Post ATMs are the most reliable for foreign cards. Many small businesses still prefer cash.
Tips for Japan
- • 7-Eleven ATMs accept most foreign cards 24/7
- • Japan Post ATMs are also reliable
- • Cash still preferred at small restaurants and shops
- • Physical Suica/Pasmo cards are scarce due to chip shortage - use 'Welcome Suica' (airport only) or add Suica/Pasmo to Apple Wallet (iPhone) before arrival
- • Card acceptance improved since 2020
- • Google Maps navigation is limited; download Naver Map for walking/navigation in addition to Google Maps for transit
Airport tips
- • Major airports have 7-Eleven ATMs
- • Get a Welcome Suica card for transport (regular Suica often unavailable)
- • Exchange counters have poor rates
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Japan, per person.
Backpacker
Hostels, street food, public transport
JPY/day
≈ $41.00-85.16 USD
Mid-range
Hotels, restaurants, mix of transport
JPY/day
≈ $120-240 USD
Luxury
Premium hotels, fine dining, private transport
JPY/day
≈ $442-883 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Japan.
Credit card acceptance
Moderate to HighImproving rapidly. Cards work in cities and chains. Cash useful for small businesses.
You'll need cash for
- • Small restaurants
- • Temples
- • Vending machines (some)
- • Rural areas
- • Market stalls
Cards usually accepted
- • Hotels
- • Department stores
- • Chain restaurants
- • Convenience stores
- • Major attractions
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| 7-Eleven (Seven Bank) | 110-330 JPY | 0% | Visa/MC rate | ~1.00 USD | 25,000 | Best for foreigners - 24/7, fees vary by time/card |
| Japan Post Bank | 110-330 JPY | 0% | Visa/MC rate | ~1.00 USD | 24,000 | Wide coverage, rarely free for foreign cards |
| AEON Bank | 0-220 JPY | 0% | Visa/MC rate | 0 USD | 6,000 | In AEON malls |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| 7-Eleven (Seven Bank) | 110-330 JPY | 0% | Visa/MC rate | ~1.00 USD | 25,000 | Most convenient, fees vary |
| Japan Post Bank | 110-330 JPY | 0% | Visa/MC rate | ~1.00 USD | 24,000 | Everywhere |
| AEON Bank | 0-220 JPY | 0% | Visa/MC rate | 0 USD | 6,000 | Shopping malls |