Japan ATM Guide for Tourists 2026

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Which ATMs Accept Foreign Cards in Japan

Most Japanese bank ATMs — Mizuho, MUFG, SMBC, Resona — do not accept foreign-issued cards. This catches many tourists off guard on their first night in Tokyo. The solution is knowing exactly which ATM networks work with international cards.

7-Eleven ATMs (Seven Bank) — Your Best Option

Seven Bank ATMs inside 7-Eleven convenience stores are the most reliable choice for foreign cardholders. Japan has over 21,000 7-Eleven locations, and nearly every one contains an ATM. These machines support English, Chinese, Korean, Portuguese, Thai, Malay, Indonesian, Vietnamese, French, German, and Spanish interfaces.

Accepted cards: Visa, Visa Electron, Plus, Mastercard, Maestro, Cirrus, American Express, JCB, Discover, Diners Club, UnionPay

Hours: Most operate 00:05–23:50 daily. A few locations in office buildings close earlier (around 21:00). Airport and station 7-Elevens typically match store hours.

Fees: Seven Bank charges approximately ¥110 per transaction for international withdrawals. Your home bank adds its own foreign ATM fee on top, typically $2–$5 USD equivalent.

Withdrawal limits: Up to ¥100,000 per transaction (varies by card issuer). Some home banks impose lower daily limits — check with your bank before traveling.

Japan Post ATMs — Second Best

Japan Post Bank (ゆうちょ銀行) ATMs are found in post offices throughout Japan, including rural areas where 7-Elevens are scarce. There are roughly 32,000 Japan Post ATMs nationwide, though not all accept foreign cards — look for machines marked with international card logos.

Accepted cards: Visa, Visa Electron, Plus, Mastercard, Maestro, Cirrus, American Express, JCB, Diners Club, UnionPay

Hours: Weekdays 07:00–23:00 (varies by location). Weekends and holidays: typically 09:00–17:00 or 09:00–19:00. Some close entirely on Sundays. Always have a 7-Eleven backup plan for late-night needs.

Fees: ¥110 per transaction (same as Seven Bank). Additional home bank fees apply.

AEON Bank ATMs — Shopping Mall Option

AEON Bank ATMs are located inside AEON shopping malls and MaxValu supermarkets across Japan. AEON malls are large suburban complexes — useful if you are staying in residential areas or visiting outlets.

Hours: Typically match mall hours (09:00–21:00). Some locations have 24-hour ATM lobbies accessible from outside the mall.

Fees: ¥110–¥220 per transaction depending on the time of day. Free for AEON cardholders (not applicable to most tourists).

ATMs That Do NOT Work With Foreign Cards

Avoid wasting time at these ATMs — they almost never accept foreign-issued cards:

• Mizuho Bank ATMs
• MUFG (Mitsubishi UFJ) ATMs
• SMBC (Sumitomo Mitsui) ATMs
• Resona Bank ATMs
• Regional bank ATMs (Yokohama Bank, Chiba Bank, etc.)

Complete guide to paying in Japan →

How to Use a Japanese ATM Step by Step

1. Find a 7-Eleven or Japan Post ATM. Google Maps shows 7-Eleven locations. Search “7-Eleven” or “Seven Bank ATM” near your location.
2. Insert your card. The screen will offer language options — select English (or your preferred language).
3. Select “Withdrawal.” Choose “Savings” or “Checking” when asked for account type (select the account linked to your debit card).
4. Enter the amount in yen. Choose ¥10,000, ¥20,000, ¥30,000, or enter a custom amount. Withdraw in round numbers — ATMs dispense ¥1,000 and ¥10,000 notes only.
5. Decline currency conversion. If the machine asks “Withdraw in JPY or your home currency?#8221;, always choose JPY. This avoids Dynamic Currency Conversion fees (3–7% markup).
6. Take your cash and card. The machine returns your card first, then dispenses cash. Do not walk away before collecting both.
7. Keep your receipt. Useful for tracking exchange rates and resolving disputes.

ATM Fees and How to Minimize Them

Fee-Saving Strategies

• Withdraw large amounts: One ¥30,000 withdrawal costs the same in fees as one ¥5,000 withdrawal. Consolidate.
• Use a no-fee travel card: Cards like Wise offer free ATM withdrawals up to a monthly limit (approximately ¥35,000/month). Beyond that, a small percentage fee applies.
• Check your bank’s partner networks: Some banks (Charles Schwab, for example) reimburse all foreign ATM fees worldwide.
• Avoid airport currency exchange counters: These charge 3–8% markup. An ATM at the same airport gives a much better rate.

Finding ATMs by City

Tokyo

7-Elevens are everywhere — Shinjuku Station alone has three within a 2-minute walk. Narita Airport has Seven Bank ATMs in both Terminal 1 and Terminal 2 arrival lobbies. Haneda Airport has them in the international terminal. Tokyo Station has multiple ATMs in the Yaesu underground area.

Kyoto

Fewer 7-Elevens than Tokyo, but Japan Post offices fill the gap. Kyoto Station has Seven Bank ATMs on the ground floor near the Shinkansen gates. The Kawaramachi/Shijo shopping district has multiple 7-Elevens.

Osaka

Well-covered by both 7-Eleven and FamilyMart (which also has some international ATMs through E-net). Kansai Airport has Seven Bank ATMs in the arrival lobby. Namba and Umeda stations both have nearby 7-Elevens.

Rural Areas

This is where planning matters. Small towns may have one or zero 7-Elevens. Japan Post offices exist in nearly every town, but their ATM hours are limited (often 09:00–17:00 weekdays only). Withdraw enough cash in the nearest city before heading to rural destinations like Shirakawa-go, Yakushima, or remote onsen towns. For more details, see getting cash at ATMs.

How Much to Withdraw Per Trip

For a 7-day trip, budget ¥50,000–¥80,000 in total cash withdrawals for a mid-range traveler (covering meals at cash-only restaurants, temple admissions, markets, and transit top-ups). For a 14-day trip, plan ¥100,000–¥150,000 in cash. These figures assume you also carry a travel card for hotel payments, department store purchases, and train tickets bought at JR counters.

Do not exchange leftover yen back at the airport — the exchange rate loss is steep. Instead, spend remaining yen at duty-free shops in the departure terminal, or keep it for your next Japan trip. Yen coins cannot be exchanged at most foreign banks, so spend coins before leaving.

Compare all money exchange options in Japan →

Common Mistakes

• Trying regular Japanese bank ATMs: Mizuho, MUFG, and SMBC machines will reject your card. Head straight to 7-Eleven.
• Accepting Dynamic Currency Conversion: Always withdraw in JPY, not your home currency. DCC adds 3–7% in hidden fees.
• Not checking daily withdrawal limits: Your home bank may cap foreign ATM withdrawals at $300–$500/day. Raise the limit before your trip.
• Forgetting to notify your bank: Unannounced withdrawals from Japan can trigger fraud alerts and freeze your card.
• Running out of cash in rural areas: Once you leave major cities, ATM access drops significantly. Stock up before day trips.
• Withdrawing small amounts repeatedly: Five ¥5,000 withdrawals cost five times the fees of one ¥25,000 withdrawal.

FAQ

Can I use my debit card at Japanese ATMs?

Yes, as long as your debit card has a Visa, Mastercard, Plus, or Cirrus logo and your bank has enabled international ATM access. Some banks require you to activate international withdrawals through their app or customer service before travel.

What is the maximum I can withdraw at once?

Seven Bank ATMs allow up to ¥100,000 per transaction. However, your home bank may set a lower daily limit (commonly $300–$1,000 USD equivalent). Contact your bank to increase this limit if needed.

Are there ATMs at Japanese airports?

Yes. Narita, Haneda, Kansai, and all major airports have Seven Bank ATMs in their arrival areas. This is the recommended first stop after clearing customs — withdraw ¥20,000–¥30,000 for your initial transit and expenses.

Do ATMs in Japan charge fees at night?

Seven Bank charges the same ¥110 fee regardless of time. Some Japan Post ATMs add a small surcharge (¥110 extra) for late-night or weekend transactions. Your home bank fees remain the same regardless of time.

What should I do if an ATM eats my card?

Seven Bank ATMs display a customer service number on screen. Call immediately — staff can retrieve your card during business hours. For after-hours issues, call the Seven Bank English helpline at 0120-313-137 (toll-free within Japan, 24/7). Also contact your home bank to report the issue and request a replacement card if needed.

If your card gets declined or the ATM refuses your transaction, see our guide on what to do when your ATM card doesn’t work in Japan.

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