How to Check Japan ATM Withdrawal Fees Before You Travel
Japan’s technological prowess is remarkable, yet it’s still a cash-based society. This makes ATM withdrawal fees and access points a significant part of trip planning.
Japan has thousands of ATMs, but many won’t work with foreign cards. The good news? You can still get your money from more than 20,000 postal ATMs and another 20,000+ 7-Eleven convenience store ATMs that accept international cards. Each option has its own fees, hours, and limits.
This piece covers everything about getting cash in Japan. We’ll look at compatible ATMs, break down the fees, and share practical tips to save money during your Japanese adventure. You’ll be ready well before your plane takes off!
Where to Find ATMs in Japan
Image Source: Deep Japan
Getting cash from ATMs in Japan with foreign cards takes some insider knowledge. Not every machine works with international cards, but you’ll find several reliable networks across the country.
Post offices and 7-Eleven stores
Post offices are a lifeline for international travelers needing cash in Japan. These facilities house one of the country’s largest ATM networks, with over 20,000 post office facilities equipped with ATMs that work with foreign cards [1]. You can use these machines from 7:00 a.m. to 11:00 p.m. Monday through Saturday, and from 7:00 a.m. to 9:00 p.m. on Sundays and holidays [2]. The central post offices in Tokyo, Osaka, and Kyoto keep certain ATMs running 24 hours [1].
Seven-Eleven’s network is even bigger, featuring more than 28,000 ATMs across Japan [2]. These machines never close, which helps especially when you have late-night or early-morning cash needs. Seven Bank ATMs support many overseas card types and come with English menus. You’ll spot these ATMs at international airports and major train stations too [2].
Eon Bank, Lawson, and Family Mart ATMs
Eon Bank runs more than 6,500 ATMs nationwide that work with overseas cards [3]. We found these ATMs mostly in Eon shopping malls, perfect for grabbing cash while shopping. On top of that, it helps that Eon Bank ATMs usually accept chip cards, unlike some other networks that don’t deal very well with them [1].
Family Mart and Lawson stores have international ATMs too, though not at every shop [4]. These stores give you another solid option since they’re accessible to more people throughout Japanese cities and towns. You’ll also see international ATMs at airports, major department stores, and shopping malls [2].
ATM locator tools you can use
Looking for compatible ATMs becomes easier with these helpful tools:
- Japan Post Bank’s search tool helps you find postal ATMs by:
- Station name (Tokyo, Shinjuku, Kyoto, etc.)
- Address
- Establishment name [5]
Eon Bank gives you its own ATM locator to find machines that work with overseas cards [3]. Visa and Mastercard users can also use these companies’ global ATM locators to find compatible machines in Japan [2].
Note that looking for the word “international” is a vital part of finding the right ATMs [2]. Cards with Visa, PLUS, Mastercard, Maestro, Cirrus, JCB, China Unionpay, and DISCOVER logos usually work at Japan Post Bank ATMs [2], though this might change depending on location.
The sort of thing i love pointing out is that many Japanese ATMs at these locations might not work with chip cards yet [1], so having backup options makes sense. Multiple ways to get cash will give a smoother experience during your Japanese adventure.
Which ATMs Accept Foreign Cards
Your foreign card might not work at every ATM in Japan. Many Japanese ATMs don’t accept international cards [6]. You need to know which cards work where to access your money easily.
Cards supported by 7-Bank and Japan Post
Seven Bank (7-Eleven) ATMs are the best option for international travelers. These machines take many foreign cards and stay open 24/7, all year round [7]. Seven Bank ATMs work with these card logos:
- Visa (available 00:00-24:00)
- Mastercard (available 00:00-24:00)
- UnionPay (available 00:10-23:50)
- American Express (available 00:05-23:50)
- JCB (available 00:10-23:50)
- Discover (available 00:10-23:50)
- Diners Club (available 00:05-23:55) [7]
Japan Post Bank ATMs are just as good with international cards [8]. These machines accept VISA, PLUS, Mastercard, Maestro, Cirrus, JCB, China Unionpay, and DISCOVER cards. Unlike Seven Bank’s 24-hour service, postal ATMs run on limited schedules that change by location.
Networks like Visa, Mastercard, Cirrus, and Plus
Visa and Mastercard are accessible to more people throughout Japan [4]. Their ATM networks—Plus and Cirrus—let you withdraw cash easily. Cards linked to these networks usually work at international ATMs nationwide.
American Express works well too, especially at postal and Seven Bank ATMs, but it’s nowhere near as common as Visa or Mastercard [9]. China Unionpay cards work at many international ATMs and are becoming more important for Asian travelers.
Japanese ATMs accept Discover or JCB cards better than many other countries. These networks have strategic collaborations with Japanese financial institutions [6].
Common issues with unsupported cards
Problems can pop up even at “international” ATMs. Magnetic stripe-only cards face more restrictions now—Japanese ATMs prefer chip-and-PIN technology [1]. Seven Bank limits withdrawals to ¥30,000 per transaction for magnetic stripe cards, while chip cards can withdraw up to ¥100,000 [7].
ATM providers say some cards might not work even if they show the right network logos [2]. This makes backup payment methods vital. Experienced travelers suggest carrying cards from different networks to avoid getting stuck [2].
Japanese bank ATMs can be frustrating. Most bank ATMs rarely connect to international networks, though they’re everywhere [9]. SMBC Bank ATMs (previously Citibank) are different—they usually take foreign cards [9].
It’s worth mentioning that withdrawal limits apply to foreign cards—usually ¥50,000 per transaction at Japan Post Bank ATMs [8] and ¥100,000 at Seven Bank ATMs [7]. Some ATMs also have time restrictions and might not work late at night or during maintenance.
Call your card issuer before your trip. Make sure your card works internationally, learn about the fees, know your 4-digit PIN, and tell them you’re going to Japan. This prevents automatic fraud blocks when your card shows up in Japan [6].
Understanding ATM Fees and Limits
Image Source: YouTube
Getting money from ATMs in Japan comes with fees and limits you should know about before you travel. Different ATM networks have their own charges and rules that can affect your budget by a lot.
Typical withdrawal fees by ATM provider
Seven Bank (7-Eleven) ATMs charge between 108 and 216 yen per withdrawal if you use foreign cards [4]. All the same, you won’t pay any fees with MAESTRO/MASTERCARD network cards, while VISA cards usually cost 110-220 yen based on how much you take out [10].
Japan Post Bank ATMs charge a flat 220 yen (tax included) every time you use foreign cards [8]. Family Mart stores with Japan Post Bank ATMs also charge 110 yen whatever your status as a customer [11].
You’ll pay about 75 yen per withdrawal at Eon Bank ATMs, which you can find in shopping malls and Mini Stop stores [12]. Lawson store ATMs have a simple 110 yen fee for each transaction [12].
The big banks usually charge more. SMBC fees range from 110-330 yen based on when you withdraw [13]. Bank ATMs of all sizes charge anywhere from zero to 330 yen depending on the time and your account type [13].
Time-based fee variations
Japanese ATMs have an interesting system where fees change based on the time of day. Seven Bank lets you withdraw for free between 7:00-19:00, but charges 110 yen at other times [14]. Many ATM providers follow this same pattern.
Bigger Japan Post offices keep their ATMs running from 7am to 11pm, while smaller branches close at 5pm [4]. MUFG Bank ATMs are free on weekdays during the day but add 110 yen fees at night and on weekends [15].
Smart planning of your withdrawals during regular business hours can save you money throughout your stay. The 24-hour convenience store ATMs are reliable after hours, though they might cost more.
Daily and per-transaction withdrawal limits
Japanese ATMs work with two main limits: how much you can take out at once and your daily maximum. Seven Bank (7-Eleven) ATMs let you withdraw up to 100,000 yen per transaction with chip cards, but only 30,000 yen with magnetic stripe cards [10]. The standard daily limit is 500,000 yen, but you can adjust it between 0-2,000,000 yen [16].
Japan Post Bank ATMs have a tighter limit of 50,000 yen per transaction [8]. Shinsei Bank caps daily withdrawals at 500,000 yen for partner bank ATMs, though you can raise this to 2,000,000 yen through online banking [17].
Travelers should know that Japanese ATMs give out only bills, no coins, and the smallest amount you can withdraw is 1,000 yen (the lowest bill value) [1]. Your bank back home might also set its own daily international withdrawal limit on top of these Japanese restrictions.
Keep in mind that your home bank might add more charges for international withdrawals—usually 2.5-3% of what you take out plus a set fee per transaction [4]. Taking out larger amounts less often instead of many small withdrawals can help cut down on fees during your stay.
How to Check ATM Fees Before You Travel
You need to plan ahead to avoid unexpected japan atm withdrawal fees during your trip. A clear understanding of charges will help you budget your cash needs better.
Use your bank’s international fee schedule
The best first step is to contact your bank or card issuer before departing for Japan. This simple action will give you vital information about potential costs. You should ask about:
- International withdrawal fees and foreign transaction charges (often 1-3% of withdrawal amount) [3]
- Daily and monthly withdrawal limits for international transactions [6]
- Your card’s 4-digit PIN requirements [6]
- Whether you need to notify them of your travel plans to prevent automatic card blocks [6]
Some banks have mutually beneficial alliances with Japanese financial institutions that offer reduced fees or higher withdrawal limits. To cite an instance, certain UK banks’ overseas ATM networks or partners in Japan provide low or no-fee withdrawals [1].
Check ATM provider websites for fee info
Japan Post Bank’s ATM usage fee stands at ¥220 (tax included) per transaction for international cards [8]. You should also check the websites of major ATM providers like Seven Bank to verify their current fee structures.
The fees at many Japanese ATMs vary based on:
- Time of day (daytime vs. evening hours)
- Day of week (weekday vs. weekend/holiday)
- Type of card you’re using [3]
These time-based fees range from free to ¥220 per withdrawal [3]. Understanding peak fee periods can save you money.
Use Visa and Mastercard ATM locators
Card networks provide global ATM locators that you should check before your trip. Both Visa and Mastercard’s online tools help find compatible ATMs throughout Japan [1].
These locators enable you to:
- Find nearby ATMs that accept your specific card
- Identify ATMs with lower fees
- Locate surcharge-free options when possible
Travel card providers like Revolut even offer in-app ATM locators that filter specifically for surcharge-free ATMs [18].
The ATM locators are helpful, but watch out for Dynamic Currency Conversion (DCC) – a service where ATMs offer to charge you in your home currency. You’ll get better rates by declining this option and choosing to be charged in Japanese yen instead [19].
Tips to Avoid Extra Charges
Smart travelers know how to keep their ATM fees low in Japan. These practical tips will help you hold onto more yen during your experience.
Avoid Dynamic Currency Conversion (DCC)
Japanese ATMs give you a choice to pay in yen or your home currency. You should pick Japanese yen. ATMs that offer Dynamic Currency Conversion will convert your money at their exchange rate, which gives you a raw deal [5]. Your home bank will give you better rates if you skip DCC [1]. This simple choice saves you 2-4% on each transaction [20].
Use cards with no foreign transaction fees
Travel-friendly cards from banks skip the usual 1-3% foreign transaction fees [4]. You’ll find these no-fee options from American Express, Mastercard, and other providers [21]. The savings from these cards are a big deal as it means that they pay for themselves after just a few trips [22].
Withdraw larger amounts less frequently
ATM transactions trigger fees from both local and home banks. You’ll save money by making fewer, larger withdrawals instead of many small ones [20]. Fixed fees apply whatever the withdrawal amount, so this strategy cuts down on extra charges [23].
Think about using a Wise or travel card
Travel cards like Wise are a great way to get better deals. Wise lets you make two fee-free ATM withdrawals monthly (up to £200 total) [24]. After that, they charge 1.75% plus £0.50 for each withdrawal [24]. These cards ended up giving better exchange rates than regular banks while keeping fees low [2].
Conclusion
Getting around Japan’s cash-based society needs some prep work and know-how about ATMs. You might think finding the right ATMs is tricky at first, but networks like Seven Bank and Japan Post make it pretty easy to get your money. On top of that, it helps to know the fees that different providers charge so you won’t get any surprises during your trip.
Your pre-trip checklist should include checking your bank’s international fees and letting them know about your travel plans. Looking up ATM spots near where you’ll stay using provider websites or card network locators will give you peace of mind. This way, you won’t end up stuck somewhere without cash.
Smart moves during your stay include saying no to Dynamic Currency Conversion and making larger withdrawals instead of lots of small ones. Using cards made for international travel will cut down your fees by a lot throughout your stay.
Keep some backup payment options handy since ATMs might not take certain cards even if they show compatible network logos. Now that you know about Japan’s ATM fees and where to find them, you can really enjoy your Japanese adventure without money worries. The whole point of your vacation is to experience Japan’s amazing sights, not stress about accessing your cash.
Key Takeaways
Planning your cash access strategy before traveling to Japan can save you significant money and hassle during your trip.
• Use 7-Eleven and Japan Post ATMs for reliable foreign card access – Over 48,000 locations nationwide accept international cards with 24/7 availability at convenience stores.
• Check your bank’s international fees before departure – Contact your card issuer to understand withdrawal limits, foreign transaction fees (typically 1-3%), and travel notification requirements.
• Always decline Dynamic Currency Conversion (DCC) at ATMs – Choosing to pay in Japanese yen instead of your home currency saves 2-4% on each transaction.
• Make fewer, larger withdrawals to minimize fixed fees – Each transaction triggers both local ATM fees (¥110-220) and your bank’s charges, so consolidating withdrawals reduces total costs.
• Consider travel-specific cards like Wise for better rates – These cards often offer fee-free monthly withdrawals and superior exchange rates compared to traditional bank cards.
Remember that Japan remains primarily cash-based despite its technological advancement, making ATM access essential for daily expenses like transportation, meals, and shopping at smaller establishments.
FAQs
Q1. What are the most reliable ATMs for foreign cards in Japan? The most reliable ATMs for foreign cards in Japan are those at 7-Eleven convenience stores and Japan Post offices. These networks have over 20,000 ATMs each that accept international cards, with 7-Eleven ATMs available 24/7.
Q2. How much do ATM withdrawals typically cost in Japan? ATM withdrawal fees in Japan vary by provider. Seven Bank (7-Eleven) ATMs charge between 108 and 216 yen per withdrawal for foreign cards, while Japan Post Bank ATMs apply a standard 220 yen fee. Some ATMs offer free withdrawals during certain hours.
Q3. How can I avoid excessive fees when using ATMs in Japan? To avoid excessive fees, always choose to be charged in Japanese yen rather than your home currency, use cards with no foreign transaction fees, make fewer but larger withdrawals, and consider using specialized travel cards like Wise that offer fee-free withdrawals up to a certain limit.
Q4. What are the typical withdrawal limits at Japanese ATMs? Withdrawal limits vary by ATM provider. Seven Bank ATMs allow up to 100,000 yen per transaction for chip cards (30,000 yen for magnetic stripe cards), with a daily limit of 500,000 yen. Japan Post Bank ATMs have a stricter 50,000 yen single transaction limit.
Q5. How can I find ATMs that accept my foreign card in Japan? To find compatible ATMs, use the global ATM locators provided by Visa and Mastercard on their websites. Additionally, you can use Japan Post Bank’s dedicated search tool to find postal ATMs, or look for ATMs at 7-Eleven stores, which are widely available and accept most foreign cards.
References
[1] – https://wise.com/gb/blog/atms-in-japan
[2] – https://wise.com/us/blog/atms-in-japan
[3] – https://japanandmore.com/travel-tips/money-in-japan/
[4] – https://www.japan-experience.com/plan-your-trip/to-know/traveling-japan/withdrawing-money
[5] – https://www.sevenbank.co.jp/intlcard/service2.html
[6] – https://www.japan-guide.com/e/e2208.html
[7] – https://www.sevenbank.co.jp/intlcard/card2.html
[8] – https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html
[9] – https://trulytokyo.com/getting-money-in-japan/
[10] – https://asocialnomad.com/japan/atms-fees-japan/
[11] – https://faq.sbishinseibank.co.jp/faq_detail.html?page=500&id=841
[12] – https://www.you.co/sg/blog/japan-atm-withdrawal-guide/
[13] – https://www.smbctb.co.jp/en/service/fees/atm.html
[14] – https://www.sevenbank.co.jp/english/personal/netbank/know/fee/
[15] – https://tokyocheapo.com/living/japan-banks-comparison/
[16] – https://www.sevenbank.co.jp/english/personal/netbank/know/limit/
[17] – https://faq.sbishinseibank.co.jp/faq_detail.html?page=500&id=722
[18] – https://www.revolut.com/cards/atm-withdrawals-in-japan/
[19] – https://www.tripadvisor.com/ShowTopic-g298184-i861-k14184557-Fee_free_ATM_access_for_Cash-Tokyo_Tokyo_Prefecture_Kanto.html
[20] – https://wise.com/gb/blog/atms-abroad-avoid-bad-exchange-rate
[21] – https://www.americanexpress.com/us/credit-cards/category/no-foreign-transaction-fee/
[22] – https://n26.com/en-eu/using-card-in-japan
[23] – https://www.reddit.com/r/JapanTravelTips/comments/1foex63/tip_save_money_on_atm_fees/
[24] – https://wise.com/gb/blog/withdraw-cash-japan-wise