Travelling to Japan? Here’s a Japan ATM withdrawal guide for everything you need to know — from fees to recommended locations for foreign cards.
Planning a trip to Japan? You’ll need cash. While digital payments are definitely catching on, Japan still loves the good ol’ yen for things like train tickets, local eats, and souvenirs. If you’ve got a multi-currency card like YouTrip, then you’re already saving extra with competitive JPY exchange rates and zero FX fees. Here’s how you can make use of this guide to handle your Japan ATM withdrawal like a pro.
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⚡️ Summary:
- Should I bring cash?: Carrying cash is still essential in Japan, especially in smaller shops and rural areas.
- Best option: 7-Eleven and 7 Bank ATMs (often fee-free for Mastercard, 24/7 availability)
- Backup options: Japan Post (220 JPY fee), Lawson (110 JPY fee), Aeon Bank (75 JPY fee)
- Pro tip: Bring a fee-free multi-currency card like YouTrip to avoid 2-8% bank withdrawal fees
- YouTrip Withdrawals: Offers free S$400 in ATM withdrawals every calendar month with a 2% fee imposed thereafter.
📚 Table of Contents:
- Do You Still Need Cash in Japan?
- Where to Find ATMs That Accept Foreign Cards
- Japan ATM Fees Comparison
- How to Withdraw Cash from Japan ATMs
- Best Multi-Currency Cards for Japan
- Pro Tips for Using ATMs in Japan
- FAQs
Do You Still Need Cash in Japan?
Short answer: Yes, especially outside major cities.
Where cards work:
- Hotels and large department stores
- Chain restaurants in Tokyo and Osaka
- Tourist attractions and shopping malls
Where you’ll need cash:
- Small local restaurants and izakayas
- Street food stalls and markets
- Rural areas and smaller towns
- Temples, shrines, and local museums
- Taxis (though many now accept cards)
💡 Our recommendation: Carry 10,000-20,000 JPY (~S$81-162) in cash at all times.
📖 Related Guide: SGD To Yen Guide: Capitalising On The Japanese Yen
Where to find ATMs in Japan That Accept Foreign Cards:
💡 Important: Not all ATMs in Japan accept foreign cards. Look for ATMs marked “International” or displaying Visa/Mastercard logos.
1. 7-Eleven and 7 Bank ATMs (⭐ BEST OPTION)
Why choose 7-Eleven ATMs:
- Found on nearly every corner in Japanese cities (27,000+ locations)
- Open 24/7
- English menu support
- Often fee-free for foreign Mastercard holders
Key details:
- Withdrawal limit: 100,000 JPY per transaction (~S$811)
- Fees: Often zero fees, but may vary by card network (Mastercard vs. Visa) and time of day. Fee will be clearly displayed on screen before confirmation.
2. Japan Post Bank ATMs
Best for: Remote areas and smaller towns
Key details:
- Withdrawal limit: 50,000 JPY per transaction (~S$405)
- Fee: 220 JPY (~S$1.78) per withdrawal
- Availability: Found in 20,000+ post offices nationwide
- Hours: Vary by location (some close evenings/weekends)
- Languages: English menu available
ATMs charging 220 JPY fee include:
- Major City banks’ ATMs
- Mitsubishi UFJ Trust and Banking ATMs
- Sumitomo Mitsui Trust Bank ATMs
- Shoko Chukin Bank ATMs
- Japan Post Bank ATMs in FamilyMart convenience stores
3. Aeon Bank ATMs
Best for: Shopping mall locations
Key details:
- Languages: English, French, Korean, German, Italian, Portuguese, Chinese
- Withdrawal limit: 50,000 JPY (~S$405)
- Fee: 75 JPY (~S$0.61) per withdrawal
- Availability: 24 hours at Aeon malls and select locations
4. Lawson ATMs
Best for: Backup when 7-Eleven isn’t nearby
Key details:
- Withdrawal limit: 50,000 JPY per transaction
- Fee: 110 JPY (~S$0.89) flat fee
- Availability: Found in 13,000+ Lawson convenience stores
- Withdrawals: In 10,000 JPY increments only
5. International Airports & Department Stores ATMs
Best for: Immediate cash needs upon arrival or departure
Why choose airport/department store ATMs:
- Convenient access right when you land in Japan
- No need to search for ATMs in unfamiliar areas
- Usually well-maintained and clearly marked
- Staff assistance often available nearby
Where to find them:
- Narita International Airport
- Haneda Airport
- Kansai International Airport
- Major department stores (Takashimaya, Isetan, Mitsukoshi)
Pros: Convenient upon arrival
Cons: May have shorter operating hours than convenience store ATMs
*The information stated above is true as of 9 Feb 2026
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Japan ATM Fees: What You’ll Actually Pay
ATM Operator Fees (Charged by Japanese Banks)
| ATM Network | Fee per Withdrawal | Withdrawal Limit |
|---|---|---|
| 7-Eleven/7 Bank | Often 0 JPY (varies by card) | 100,000 JPY (~S$810) |
| Aeon Bank | 75 JPY (~S$0.61) | 50,000 JPY (~S$405) |
| Lawson | 110 JPY (~S$0.89) | 50,000 JPY (~S$405) |
| Japan Post | 220 JPY (~S$1.78) | 50,000 JPY (~S$405) |
Fees as of February 9, 2026
Your Bank’s Fees (Charged by Card Issuer)
Regular bank cards typically charge:
- Currency conversion markups: 1-3%
- Foreign transaction fees: 2-3%
- International ATM fees: 2-8%
Example: Withdrawing 50,000 JPY (~S$405) with a regular bank card could cost you S$8-32 in additional fees.
How to Avoid ATM Fees in Japan
✅ Use a fee-free multi-currency card like YouTrip with up to S$400 in free ATM withdrawals every calendar month with a small 2% fee imposed thereafter.
✅ Withdraw larger amounts less frequently to minimise per-transaction fees
✅ Always select “Savings Account” when prompted
✅ Decline Dynamic Currency Conversion (DCC) — always withdraw in JPY, not SGD
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How to Withdraw Cash From Japan ATMs
Here’s how you can withdraw yen at Japan ATMs with YouTrip in 4 easy steps:
- Locate an ATM displaying any of these logos and insert your YouTrip card
- Select ‘Savings account’
- Key in your 4-digit ATM & Card PIN
- Note that from 28 June 2024, your 4-digit App Passcode has been updated to 6 digits. However, your ATM & Card PIN will remain the same 4-digits!
- Note that from 28 June 2024, your 4-digit App Passcode has been updated to 6 digits. However, your ATM & Card PIN will remain the same 4-digits!
- Withdraw your desired amount in JPY
- Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter
- Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter
- Review fees on screen and confirm
- Decline Dynamic Currency Conversion
- If asked “Charge in SGD or JPY?” → Always choose JPY
- DCC adds hidden markups of 3-7%
And there you have it — you won’t ever have to worry about running out of cash in Japan.
📖 Related Guide: YouTrip Withdrawal Guide For Singaporeans: ATM Fees & Limits
Best Multi-Currency Cards for Japan (2026)
When travelling overseas, it’s important to get a multi-currency card that can help you save on foreign exchange rates and pesky fees. A multi-currency card allows you to spend like a local without the usual markups or extra charges your typical bank would normally charge — some even waive the FX fees entirely.
Below is a quick comparison between some of the best multi-currency cards in Singapore:
| Card | SGD to JPY Rate* | FX Fees | ATM Withdrawal Fees |
|---|---|---|---|
| YouTrip | 1 SGD = 123.43 JPY | 0% | Free up to S$400/month, 2% fee applies thereafter |
| Revolut | 1 SGD = 123.34 JPY | 0% weekdays 1% weekends | S$350/5 withdrawals free per month, 2% fee applies thereafter |
| Wise | 1 SGD = 123.08 JPY | From 0.26% | Up to S$350/month 2 or less withdrawals: Free 3 or more withdrawals: S$1.50 per withdrawal More than S$350/month 2 or less withdrawals: 1.75% fee 3 or more withdrawals: S$1.50 + 1.75% fee |
| Amaze | 1 SGD = 123.34 JPY | 0% for FX | 2% fee on all amounts withdrawn |
| Trust | 1 SGD = 123.28 JPY | 0% | None |
*Rates taken as of 9 Feb 2026
Why we recommend YouTrip for Japan:
✅ Competitive wholesale exchange rates with zero markup
✅ Free S$400 ATM withdrawals every calendar month (2% fee after)
✅ Zero foreign transaction fees
✅ Lock in JPY rates when favourable
✅ No minimum income required
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Pro Tips for Using ATMs in Japan
Before Your Trip
✅ Notify your bank you’ll be travelling to Japan
✅ Confirm your daily withdrawal limits
✅ Memorise your 4-digit ATM PIN
✅ Download ATM locator apps (Seven Bank, Japan Post)
During Your Trip
✅ Withdraw enough cash for 2-3 days at once
✅ Keep small bills (1,000 JPY) for street food and small shops
✅ Store cash safely — Japan is very safe, but stay cautious
✅ Check fees on-screen before confirming each withdrawal
Common Mistakes to Avoid
❌ Accepting Dynamic Currency Conversion (DCC)
❌ Using credit cards for ATM withdrawals (high cash advance fees)
❌ Withdrawing small amounts frequently
❌ Forgetting your ATM card in the machine (it will be returned to your bank)
FAQs
Q: Can I use my Visa/Mastercard at all ATMs in Japan?
A: No. Only ATMs marked “International” or displaying Visa/Mastercard logos accept foreign cards. Stick to 7-Eleven, Japan Post, Lawson, and Aeon Bank ATMs.
Q: What’s the maximum I can withdraw per day?
A: This depends on both the ATM limit (usually 100,000 JPY at 7-Eleven) and your card’s daily limit. Check with your bank before travelling.
Q: Are ATMs available 24/7 in Japan?
A: 7-Eleven and Lawson ATMs are 24/7. Japan Post ATMs have limited hours, especially on weekends and holidays.
Q: Should I exchange money before arriving in Japan?
A: No need. ATM rates are typically better than airport money changers. Just withdraw cash from a 7-Eleven ATM upon arrival.
Q: What if the ATM doesn’t have English?
A: Most international ATMs have English menus. If not, look for these buttons:
- 引き出し (Withdrawal)
- 残高照会 (Balance inquiry)
- 確認 (Confirm)
Get the best JPY rates with YouTrip!
Getting cash in Japan doesn’t have to be a headache. Stick to 7-Eleven, Japan Post, or Lawson ATMs, check the fees before hitting “OK”, and keep some smaller yen bills for day-to-day expenses. Plus, don’t forget to bring along your YouTrip card for the best JPY rates all day and enjoy free* S$400 ATM withdrawals monthly!
Not a YouTrooper yet? Sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!
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Happy travels!
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