Travel · East Asia
🇯🇵Japan
Mostly cash-based — load JPY before you go and use 7-Eleven or Japan Post ATMs.
Japan remains heavily cash-based despite recent shifts. Most small restaurants, temples, trains, and vending machines are cash-only. Foreign cards only work at certain ATM networks — 7-Eleven (Seven Bank) and Japan Post ATMs are the reliable options. Zero-forex debit cards are essential here.
Best cards for Japan
ATM guide
Not all Japanese ATMs accept foreign cards. The two reliable networks are 7-Eleven (Seven Bank) ATMs — open 24/7, widely available, charge ¥110–220 fee — and Japan Post ATMs (in post offices, 9–5 Mon–Fri). Most bank ATMs (Mizuho, MUFG) do not accept foreign cards.
Card acceptance
Cards accepted at major hotel chains, department stores, and some chain restaurants. Cash remains mandatory at most local restaurants, izakayas, temples, ryokans, and transportation.
Money tips for Japan
7-Eleven ATMs (Seven Bank) are the most reliable for foreign cards — available in every 7-Eleven convenience store 24/7.
Japan Post ATMs also work but close at night and on weekends.
Load your Wise card with JPY before you go — avoids the mid-trip conversion guessing.
IC cards (Suica, Pasmo) for trains can now be topped up with foreign Visa/Mastercard at some stations.
¥10,000 and ¥1,000 notes are most useful. Larger bills can be hard to break at small shops.
Cards and options to avoid
Travelex
standard UK bank cards with 2–3% forex fees
Frequently asked questions
Cash in Japan
Cash is king in Japan. Carry ¥10,000–20,000 at all times. Budget ¥5,000–8,000/day for food and transport.
Local currency
Wise Card
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.