One might assume that with Japan’s reputation for cutting-edge technology and millions of vending machines, plastic bank cards would be widely accepted. But surprisingly, Japan still runs largely on paper notes and coins.
Credit and debit cards—though increasingly common—are often treated more like cheques and seen as a backup option rather than the norm. Larger department stores and chain retailers usually accept major cards like Visa and Mastercard, but many smaller businesses, restaurants, and market stalls remain cash only. While things are slowly shifting—on a recent trip we noticed some yakitori stands accepting cards via Square readers—cash is still essential in everyday situations. Many vending machines, train ticket kiosks, and local eateries still rely solely on coins and small notes, so it pays to carry a wallet with cash at all times.
ATM Access in Japan
That’s not to say ATMs and card use are absent from Japan—they’re just a little different to what many Westerners are used to. ATMs are commonly located inside bank branches, and many machines only operate during business hours or have limited service on weekends and public holidays.
One key thing to be aware of: not all Japanese ATMs accept foreign-issued cards. Also, just because a Japanese ATM shows a Visa or Mastercard logo does not mean that they will accept an international card, there often will be a separate sign indicating if the ATM accepts international cards with the logo of the cards they support. This can catch travellers off guard, especially if they’re used to 24/7 global ATM access. That said, there are a few reliable options:
Best ATMs for Foreign Cards:
- Japan Post Bank (JP Bank): Found in most post offices across the country, these ATMs are widely regarded as the best bet for foreign cards. The machines are user-friendly, support multiple languages, and feature charming animations—think bowing characters and cheerful sound effects. Just keep in mind that most post offices operate only during regular business hours, typically Monday to Saturday.
- 7-Eleven (7-Bank): The convenience king of Japan, 7-Eleven ATMs are among the most convenient for travellers. They accept a wide range of international cards including Visa, Mastercard, American Express, and Cirrus. Located inside convenience stores and increasingly popping up near train stations and hotels, they’re available 24/7 in most locations.
- FamilyMart and Lawson: Following in 7-Eleven’s footsteps, convenience stores FamilyMart and Lawson has started rolling out international ATMs that support foreign-issued cards. While not all stores may feature one, they’re becoming increasingly common, especially in urban areas.
- Mizuho Bank Some branches of these banks offer international ATM services, though they may be harder to find than post offices or convenience stores.
Traveller Tips for Using Money in Japan
Before you set off, it’s worth taking a few simple steps to ensure smooth access to your funds while travelling in Japan:
- Notify your bank of your travel plans: This helps prevent your cards from being flagged for suspicious activity and potentially blocked while you’re overseas.
- Download your bank’s mobile app: Most banks allow you to block and unblock cards, authorise transactions, or confirm your identity through the app, essential if you run into issues while travelling.
- Pre-load your credit card with cash: Some banks charge interest on overseas purchases and withdrawals from the moment you spend. Loading extra funds onto your credit card can help you avoid these charges (just make sure your bank supports this feature).
- Consider a prepaid travel card: If your regular card doesn’t support international use, a prepaid travel credit card can be a good alternative. You can lock in exchange rates ahead of time and reduce the risk of overspending.
- Use mobile wallets like Apple Pay or Google Wallet: These services offer added security compared to physical card use, as they don’t transmit your actual card number. They’re widely accepted in Japan at convenience stores, vending machines, and train stations.
- Update your bank contact details: If you’re using a travel SIM while in Japan, make sure your bank has your updated phone number and email so you can still receive important messages and verification codes.
With a bit of preparation, managing your money in Japan can be easy and stress-free—just remember to carry some cash, especially for smaller stores, local eateries, and older vending machines.
Japan Post Bank info page: https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html
7 Eleven Bank info page: https://www.sevenbank.co.jp/english/
Family Mart info page: http://www.family.co.jp/for_tourist/en.html
Lawson info page: https://www.lawsonbank.jp/international/en/
Mizuho Bank info page: https://www.mizuhogroup.com/japan/services/international-card
