Japan travel money: yen, cash, cards and ATMs
Plan payments in yen, compare checked conditions for foreign-card ATMs and carry your own cash plan into the withdrawal-cost calculator.
Sources checked: 2026-10-28. Recheck the linked guidance before travel.
Choose your next calculation
Choose the job, confirm your home currency and enter the amount for that job. Your daily trip budget is kept separate.
Withdraw cash
Pay by card
Exchange money
No provider rate or unconfirmed fee is copied into the calculator. Enter the terms that apply to your card or offer.
Cash or card in Japan?
Card payments are available, but a card-only plan can fail. JNTO recommends cash as a backup when overseas cards do not work. Before a small purchase or a trip away from major visitor areas, check the payment methods.
JNTO · cashless payments →Choose an ATM by published conditions
Match your card logo to an operator’s published list, then check the machine’s hours, limit and final fee disclosure. The reviewed operator table below separates known limits, conditional charges and missing information; your card issuer can impose additional restrictions.
JNTO · currency and ATMs →Japan ATMs: foreign-card rules
Compare published card logos, withdrawal ceilings and operator charges at three reviewed networks. Add your cash plan to estimate a minimum withdrawal count where the applicable limit is known.
Operator sources checked: 2026-10-28. Confirm the conditions on the operator page and ATM screen before withdrawing.
Matching reviewed operators: 1. A listed logo is not an acceptance guarantee.
| Operator | Published card logos | Published operator-charge information | Published single-withdrawal limit | Your cash plan and next step |
|---|---|---|---|---|
| Japan Post Bank2026-10-28Read operator conditions → | Visa, PLUS, Mastercard, Maestro, Cirrus, JCB, UnionPay, Discover Hours depend on the ATM and its location; holiday schedules and access can differ. |
JPY 220 including tax may apply to certain foreign-issued cards. The page does not identify every card to which it applies. | JPY 50,000 per withdrawal. | Choose a specific listed card logo and a positive cash amount to open the calculator with this operator context. |
This count uses the published per-transaction ceiling only. Your issuer, daily allowance, ATM processing method, denomination rules, cash stock or available balance may require more withdrawals or prevent the transaction.
The calculator carries your cash amount and this dated operator context. Conversion rate and issuer charges remain for you to enter. Unknown operator charges remain blank; they are not treated as zero.
This review does not establish a card’s issuer limit, credit-card cash-advance terms, acceptance at a particular machine or an exact total debit. Check your card terms and the ATM’s final disclosure. These are published conditions, not observations from our own withdrawals.
Download Japan ATM conditions CSV →
An IC card is a separate travel balance
Prepaid IC cards are a separate spending balance. JR East’s Welcome Suica guidance describes eligible transport and purchases, with restrictions on travel between service areas. Check the exact product’s validity, top-up and refund rules before loading a large balance.
JR East · Welcome Suica →Build a yen budget from your itinerary
List accommodation that is still unpaid, transport, meals and activities separately. Subtract bookings you have already paid for. Divide only the remaining day-to-day costs by the number of days; this gives you a daily amount to enter below.
At the payment screen
If offered conversion into your home currency, compare its rate and markup with your card terms. Choosing local currency avoids that particular conversion service.
Visa · currency-conversion choices →Before you leave
Tick what you have prepared. Progress is saved only in this browser.
Your own travel budget
Enter your planned daily spending in the destination currency. The total is daily spending × days; it is not a recommended allowance. Add unpaid accommodation and transport if they are not included. Fees and inflation are excluded.
Enter daily spending from 0 to 1,000,000, using a decimal point, and 1 to 365 whole days. Choose a supported home currency.
Enter your own daily amount to calculate a total.
Rates delayed · 2026-10-30 20:59:59 UTC · Amounts use the service’s reference rate. They may differ from your card statement or cash-exchange quote.
Add this country to my trip
Add your own daily budget and days as a new stop. The daily amount is for the whole group. Itemised costs and paid bookings start at zero; the cash/card split stays undecided.
No saved trips were found on this device. Enter a name to create one.
Stop to add
Open saved trip →This button saves locally in this browser. Other saved trips stay intact. No plan is sent to the server; export it in the planner if you want a backup.
Enter the provider rate and applicable fees yourself. Demonstration figures appear only after you explicitly choose an example.
Japan · Pocket conversion card
Reference amounts, not shop prices or a guaranteed exchange offer. Save or print the card for your trip and note the observation time.
Rates delayed · 2026-10-30 20:59:59 UTC
| JPY | USD |
|---|---|
| 100 | 0.63 |
| 500 | 3.17 |
| 1,000 | 6.35 |
| 5,000 | 31.73 |
| 10,000 | 63.46 |
Page prepared: 2026-10-31 15:19:17 UTC · currency-converter.live/travel-money/japan
Practical questions
Can I withdraw JPY 100,000 in one transaction?
The published operator ceiling differs. Japan Post Bank states JPY 50,000. Seven Bank states JPY 100,000, reduced to JPY 30,000 for magnetic-stripe transactions. Your issuer or a particular machine can impose a lower limit; use the checked source links in the operator table.
Are ATM withdrawals free for foreign cards?
There is no single fee established by this review. Japan Post Bank lists a conditional JPY 220 charge, while the other reviewed pages describe variable charges. Your issuer may add charges. Unknown amounts stay blank in the calculator until you enter them.
Should I take only cash?
Plan both a usable card and some cash backup. Choose your cash amount from your actual itinerary and confirmed payment options, not a universal daily allowance.
Is a Suica or PASMO balance the same as my bank balance?
No. Treat a prepaid travel-card balance as a separate part of your budget and check the product’s rules before topping up.
How do I recognise the new yen banknotes?
Open the JPY profile for the 2024 denominations, earlier designs and links to the Bank of Japan.
Official sources
- JR East · Welcome Suica
- Japan Post Bank · international ATM service
- Seven Bank · overseas cards usable at ATMs
- E-net · international ATM service
- JNTO · cashless payments
- JNTO · currency and ATMs
Sources checked: 2026-10-28. Recheck the linked guidance before travel.