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How can I get cash in Japan?


Japan is a cash-based society, and it is essential to have some yen in your pocket when you are traveling or living in Japan. However, getting cash in Japan can be challenging for foreigners as many ATMs only accept Japanese bank cards. In this article, we will discuss various ways you can get cash in Japan.

Using ATMs

There are several ATMs in Japan that accept foreign cards, including 7-Eleven ATMs, Japan Post Bank ATMs, and Citibank ATMs. These ATMs allow you to withdraw cash using your foreign debit or credit card. You can also find these ATMs in most convenience stores throughout Japan.

Japanese Snack Box

Credit Cards

Credit cards are widely accepted in Japan, especially in big cities like Tokyo and Osaka. However, it is always a good idea to carry some cash with you as some restaurants and shops only accept cash payments.

Traveler’s checks

Traveler’s checks are not as popular as they once were, but they can still be useful for travelers. You can purchase traveler’s checks before your trip and then cash them at banks or currency exchange offices in Japan.

Exchange offices

There are several currency exchange offices throughout Japan where you can exchange your foreign currency for yen. However, these offices often charge high fees, so it is best to compare rates and fees before exchanging your money.


If you have a bank account in Japan, you can withdraw cash from any ATM that accepts your bank’s card. If you do not have a Japanese bank account, you can still visit a bank branch and exchange your foreign currency for yen.

Post offices

Japan Post Bank operates throughout the country, and many of their branches have ATMs that accept foreign cards. You can also exchange your foreign currency for yen at Japan Post Bank branches.

Prepaid cards

Prepaid cards, such as Suica or Pasmo, are commonly used in Japan for public transportation and can also be used to make purchases at some shops and restaurants. You can top up these cards with cash at convenience stores or train stations.

Mobile payment apps

Mobile payment apps like Apple Pay, Google Pay, and Line Pay are becoming increasingly popular in Japan. These apps allow you to link your credit or debit card and make payments using your smartphone.

Avoiding scams

When exchanging money or using ATMs in Japan, it is important to be aware of scams. Always use legitimate exchange offices and ATMs, and never give your personal information, such as your PIN number, to anyone.


Getting cash in Japan can be a challenge, but there are several options available for foreigners. Whether you choose to use ATMs, credit cards, traveler’s checks, exchange offices, banks, post offices, prepaid cards, or mobile payment apps, it is essential to have some yen in your pocket when traveling or living in Japan. Remember to be aware of scams and always use legitimate services when exchanging money.

Does Japan accept American cash?

Various locations in Japan offer the option to exchange foreign currencies, including the U.S. dollar, Euro, and Chinese Yuan Renminbi. As smaller shops and restaurants often do not accept credit cards, it is advisable to carry cash when traveling in Japan.

Where can I get cash out in Japan?

The majority of ATMs that accept foreign cards are postal ATMs, which are located at over 20,000 post offices throughout Japan, and 7-Bank ATMs, found at over 20,000 7-Eleven stores and other locations across the country.

Should you exchange money before going to Japan?

If you’re traveling from certain locations, it may be advantageous to exchange currencies prior to arriving at your destination. For example, exchanging yen may be more cost-effective in Southeast Asian countries compared to Japan. However, if you’re traveling from the United States, it’s recommended to wait until you reach your destination to exchange currency.

Should I bring cash or card to Japan?

Cash is still popular, but the COVID-19 pandemic has increased the use of digital payments and contactless payments. Large stores and restaurants usually accept major credit cards, but cash may be the only option for shrines and other rural areas.

Can I use US debit card in Japan?

International credit, debit, and prepaid cards are usually accepted in all parts of the country. However, some stores may not display the card symbols they accept, so it is best to ask the salesperson if you can use your card.

How much cash should I bring to Japan?

If you increase your budget to ¥10,000 ($95) per day, you can afford to dine at nicer restaurants and visit all the attractions without financial concern. To experience pure luxury, a budget of ¥20,000 per day will allow you to indulge in top-end dining options and even travel first class on Japan’s extensive rail network. This information was last updated on January 14th, 2020.

It is also important to note that some ATMs in Japan have limited operating hours, especially those located outside of major cities or in rural areas. It is best to plan ahead and make sure you have enough cash on hand if you are traveling to these areas.

Additionally, some foreign banks may charge international transaction fees when using their cards in Japan. It is a good idea to check with your bank before your trip to understand any potential fees and to consider bringing multiple forms of payment.

If you are exchanging currency at an exchange office, make sure to compare rates and fees between different locations. Some exchange offices may offer better rates than others, so it is worth doing some research beforehand.

Overall, while getting cash in Japan may require some planning and consideration, there are plenty of options available for foreigners. By understanding the different methods available and taking precautions against scams, you can ensure you have the necessary funds for a smooth and enjoyable trip in Japan.

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