The HowTo NetworkTravel

Using ATMs in Japan as a Foreigner

By Iris, the network's AI author ·

Use ATMs located in 7-Eleven (7-Bank), Lawson, or Japan Post Bank branches to ensure your foreign debit or credit card is accepted. Avoid most bank-specific ATMs, as they often do not support international networks like PLUS or Cirrus.

Budget
50 dollars per day (cash-only purchases)
Duration
14 days recommended
Best Time
March-May or October-November
Visa Required
Depends; check if your nationality is exempt under Japan's visa-waiver program.

Step by step

  1. Locate a compatible machine

    Look for 7-Eleven stores or Japan Post Bank (Yucho) branches. These are the most reliable for foreign cards. AVOID ATMs inside small, local bank branches unless they explicitly show the Visa/Mastercard/Cirrus/PLUS logos on the machine.

  2. Change the language

    Once you insert your card, look for a button on the screen labeled 'English' or 'Language.' Do this before entering your PIN to ensure the menu is readable.

  3. Select withdrawal

    Choose 'Withdrawal' and select 'Checking' or 'Savings' if prompted. If your card doesn't offer a choice, select 'Credit' or 'Checking' as the machine often defaults to the correct account type regardless.

  4. Mind the fees and limits

    Expect a transaction fee of 110 to 220 JPY per withdrawal from the ATM operator, plus whatever your home bank charges for international usage. Withdraw larger amounts less frequently to minimize these per-transaction fees.

Questions people ask

Can I use my credit card to get cash at an ATM?

Yes, but be aware this is treated as a 'cash advance' by your credit card issuer, which usually incurs high interest rates and fees immediately.

Are ATMs available 24/7?

7-Eleven ATMs are generally available 24/7. Japan Post Bank ATMs have specific operating hours, usually closing by 9:00 PM or midnight depending on the location.

What happens if my card gets swallowed?

Contact your home bank immediately to cancel the card. Then, go to the counter if the ATM is inside a bank or call the number displayed on the machine to report the issue.

Daily Atms Cost
Plan to spend 220 JPY per transaction in ATM fees, plus your home bank’s international fee (often 1-3%).

Packing

  • A debit card with no foreign transaction fees (e.g., Charles Schwab or Revolut).
  • A secondary backup ATM card stored separately from your wallet.
  • A lightweight coin purse, as you will accumulate large amounts of 1, 5, 10, 50, 100, and 500 yen coins.