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:
- Carrying cash is still essential in Japan, especially in smaller shops and rural areas
- 7-Eleven and 7 Bank ATMs are the most ideal when withdrawing cash in Japan as they charge no fees
- It’s important to choose a fee-free card as bank cards typically change ATM withdrawal fees ranging between 2.50% to 3.50%
- YouTrip offers *free S$400 in ATM withdrawals every calendar month
Do we still need cash in Japan?
To this, we say yes… and no. That’s because big cities like Tokyo and Osaka are becoming more card-friendly. You’re able to use your foreign card for hotels, shopping, and at fancy restaurants.
But though Japan may be modern, cash is still a big deal for small shops, street food stalls, and places in rural areas. That’s why having a bit of yen in your wallet still comes in handy.
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Where to find ATMs in Japan:
One thing to note is that not all Japan ATMs accept foreign cards. These are some common, convenient locations to withdraw yen from with your Mastercard or Visa card:
1️⃣ International airports & large department stores
2️⃣ 7-Eleven and 7 Bank ATMs
7-Eleven and 7 Bank ATMs can be found everywhere — literally on almost every corner in cities. They’re open 24/7, are easy to use, and support English instructions
⭐ Bonus: Cash withdrawals at 7-Eleven or 7 Bank ATMs are fee-free!
3️⃣ Japan Post Group
You’ll find Japan Post Group ATMs in post offices. They’re recommended for more remote areas as they’re foreign-card friendly with English menus.
Note that withdrawals from the following Japan Post Bank ATMs (including those in Family Mart convenience stores) will incur a fee of 110 yen (S$0.96) per withdrawal:
- Major City banks’ ATMs
- Mitsubishi UFJ Trust and Banking ATMs
- Sumitomo Mitsui Trust Bank ATMs
- Shoko Chukin Bank ATMs
4️⃣ Aeon Bank
Aeon Banks operate on a 24-hour basis with a withdrawal limit of 50,000 yen (S$437.75). Note that each withdrawal is subjected to a fee of 75 yen (S$0.66)
5️⃣ Lawson ATMs
Lawson ATMs can be found in Lawson convenience stores and are a great backup if 7-Eleven isn’t nearby. Each withdrawal is subjected to a flat fee of 110 yen (S$0.96).
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Japan ATM Fees
Most Japan ATMs will charge a withdrawal fee, but don’t worry — it’ll typically be displayed on the screen before you confirm your withdrawal.
If you’re using a regular bank card for your withdrawals, you might get hit with extra fees typically ranging between 2.50% to 3.50% depending on your bank.
Looking to avoid those fees? Get a YouTrip card! With YouTrip, you get to enjoy free S$400 in ATM withdrawals every calendar month. After that, there’s a small 2% fee. Bonus: It resets every month, so you’re good to score fee-free withdrawals once again.
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How to withdraw cash at Japan ATMs
Here’s how you can withdraw yen at Japan ATMs with YouTrip in 4 easy steps:
1️⃣ Locate an ATM displaying any of these logos and insert your YouTrip card
2️⃣ Select ‘Saving account’
3️⃣ Key in your 4-digit ATM PIN
*Note that from 28 June 2024, your 4-digit App PIN has been updated to a 6-digit App PIN. However, your ATM PIN will remain the same 4-digits!
4️⃣ Withdraw your desired amount in JPY
👉 Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month with a 2% fee imposed thereafter
And there you have it — you won’t ever have to worry about running out of cash in Japan.
Japan ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2024 — Find out more about how to withdraw with YouTrip here
Tip: Use a multi-currency card with the best exchange rates and low fees
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:
| YouTrip | Revolut | Wise | Amaze | Trust | |
|---|---|---|---|---|---|
| Exchange Rate | 1 SGD = 112.8 JPY | 1 SGD = 112.6 JPY | 1 SGD = 112.3 JPY | 1 SGD = 112.6 JPY | 1 SGD = 111.9 JPY |
| FX Fees | No fees | On weekdays: No fees apply if you’re within your plan’s fair usage limit On weekends: 1% fee applies regardless of your plan | From 0.43% with a min. fee of S$0.01 (fee varies by currency) | No fees for FX transactions ✅ 1% fee (min. fee of S$0.50) for SGD transactions involving GrabPay, prepaid cards, & other e-wallet top-ups | No fees |
*Rates taken as of 28 Nov 2024
Get the best JPY rates
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! With this guide, you’ll be ready to enjoy Japan without stressing about cash flow. Now go out there and have a blast!
So if you’re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account! Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. For more great tips and articles like this, join our Telegram (@YouTripSG) and subscribe to our free weekly newsletter here or down below.
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Happy travels!
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