Japan ATM Guide for Tourists
Japan is still heavily cash-based — many restaurants, small shops and shrines only accept yen. Knowing where to find ATMs that accept foreign cards will save you from embarrassing moments at the register.
Best ATMs for Foreign Cards
7-Eleven ATM (セブン銀行): Found inside every 7-Eleven nationwide. Accepts Visa, Mastercard, Amex and UnionPay. English menu. Open 24/7. Japan Post ATM: Available at post offices. Accepts most international cards.
ATMs That Often Reject Foreign Cards
Most Japanese bank ATMs (Mizuho, MUFG, Sumitomo) do not accept foreign cards. Go straight to 7-Eleven or Japan Post.
Withdrawal Limits and Fees
7-Eleven: withdrawal fee ¥0–¥110. Japan Post: free. Daily limit ¥50,000–¥100,000 per transaction. Your home bank may also charge a 1–3% foreign transaction fee.
Japan Is Still Cash-Heavy
Many izakayas, ramen shops and smaller ryokan are cash-only. Keep at least ¥5,000–¥10,000 in cash at all times. Get cash at the airport on arrival.
IC Cards as an Alternative
Load your Suica or Pasmo IC card at any station kiosk using cash to reduce ATM visits for transit and convenience store purchases.
Frequently Asked Questions
Can I use my Visa card at Japan ATMs?
Yes, at 7-Eleven, Japan Post and AEON ATMs. Avoid local bank ATMs — most reject foreign cards.
Is there a fee to use a Japanese ATM with a foreign card?
7-Eleven charges ¥0–¥110. Japan Post charges nothing. Your home bank may charge a 1–3% foreign transaction fee.
How much cash should I carry in Japan?
¥10,000–¥20,000 per day is comfortable. Many smaller restaurants and temples are cash-only.
Can I get yen at the airport?
Yes. Narita, Haneda and Kansai airports have 7-Eleven ATMs in the arrival hall. ATMs offer better rates than currency exchange counters.
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