AlthHow to Use ATMs in Japan (2026 Guide for Tourists)
Although Japan is becoming increasingly cashless, cash is still widely used at many restaurants, temples, small shops, and local attractions. Knowing where and how to withdraw money can make your trip much easier.
This guide explains how to use ATMs in Japan and where international travelers can withdraw cash safely and conveniently.
Can Foreign Cards Be Used in Japan?
Yes.
Most international debit and credit cards can be used at selected ATMs throughout Japan.
Cards with the following logos are usually accepted:
- Visa
- Mastercard
- American Express
- JCB
- UnionPay
- Cirrus
- Maestro
- PLUS
However, not all ATMs accept foreign cards, so it’s important to use the right ones.
Best Places to Withdraw Cash
1. 7-Eleven ATMs (Recommended)
7-Eleven ATMs are generally considered the easiest option for international travelers.
Why We Recommend Them
- Available 24 hours at most locations
- English-language menu available
- Widely available throughout Japan
- Accept most international cards
You’ll find 7-Eleven stores at airports, train stations, and in most tourist areas.
2. Japan Post Bank ATMs
Japan Post Bank ATMs also accept many foreign-issued cards.
Advantages
- Available nationwide
- English-language support
- Reliable service
These ATMs are commonly found inside post offices.
3. FamilyMart and Lawson ATMs
Many FamilyMart and Lawson convenience stores also have ATMs that accept international cards.
Advantages
- Convenient locations
- Available in most cities
- English menu available
Always check the ATM screen for the list of accepted card networks before inserting your card.
How to Withdraw Cash
- Insert your card.
- Select your preferred language.
- Choose “Withdrawal” or “Cash Withdrawal.”
- Select your account type if prompted.
- Enter the amount you’d like to withdraw.
- Confirm the transaction.
- Collect your cash, card, and receipt.
Always remember to take your card before leaving the ATM.
How Much Cash Should You Carry?
Japan is a very safe country, but carrying excessive amounts of cash isn’t necessary.
For most visitors, carrying around ¥10,000–20,000 while sightseeing is usually enough.
You can always withdraw more cash later if needed.
ATM Fees
ATM fees vary depending on:
- Your bank
- Your card issuer
- The ATM operator
Before traveling, check with your bank about:
- International withdrawal fees
- Currency conversion fees
- Daily withdrawal limits
Should You Choose Japanese Yen or Your Home Currency?
Some ATMs ask whether you’d like to be charged in:
- Japanese Yen (JPY)
- Your home currency
In most cases, choosing Japanese Yen (JPY) gives you a better exchange rate.
Tips for Travelers
Inform Your Bank Before Traveling
Some banks may block overseas transactions if they appear unusual.
Letting your bank know about your trip beforehand can help avoid this.
Carry More Than One Card
Having a backup card can be extremely helpful if one card is lost, damaged, or declined.
Keep Some Cash Available
Although many places accept credit cards, smaller restaurants, temples, local shops, and street markets may still accept cash only.
I almost always recommend using a 7-Eleven ATM.
They’re easy to find, available in English, and I’ve found them to be the most reliable for international cards. Since 7-Eleven stores are almost everywhere, it’s usually easier to withdraw cash as you need it rather than carrying a large amount for your entire trip.
I also recommend carrying at least two different payment methods, such as a credit card and a debit card, just in case one doesn’t work.
Final Thoughts
For most visitors, 7-Eleven ATMs are the easiest and most reliable way to withdraw cash in Japan.
They’re available throughout the country, support multiple languages, and accept a wide range of international cards.
Before your trip, make sure your card can be used overseas, carry a backup payment method, and keep a small amount of cash with you for places that don’t accept cards.
