【Cash is Still King】A Foreigner’s Guide to Using ATMs in Japan

While Japan is embracing cashless payments, cash (“genkin” / 現金) is still essential for many smaller shops, restaurants, and temples.

For many foreigners, getting cash can be a stressful experience, as most domestic bank ATMs do not accept foreign-issued cards.

But don’t worry!.

This guide will show you exactly how to find foreigner-friendly ATMs and use them with confidence.

Table of Contents

Forget the ATMs at major Japanese banks like Mizuho or MUFG.

Instead, head straight for one of these two reliable options:

Seven Bank ATMs (セブン銀行ATM): Your best and most reliable option. Found inside every 7-Eleven convenience store, which are located virtually everywhere in Japan. They are available 24/7 and have an English language menu.
Japan Post Bank ATMs (ゆうちょ銀行ATM): Found inside post offices. They also accept a wide range of foreign cards and have an English menu. Their operating hours are usually limited to the post office’s business hours.

Using these ATMs is simple.

Here’s the typical process:

Select your language: Press the “English” button on the welcome screen.
Insert your card: Put your card into the machine.
Select “Withdrawal”: Choose the withdrawal option.
Enter your PIN: Use the keypad to enter your card’s PIN.
Choose your account: Select “Savings” account.
Select the amount: Choose one of the preset amounts or enter a custom amount.
Confirm the transaction: The screen will show you the amount, and may display a warning about service fees. Confirm to proceed.
Take your cash, card, and receipt: Don’t forget to take everything!.

Be aware of these potential costs:

ATM Fee: The Japanese ATM provider (e.g., Seven Bank) will usually charge a small fee (e.g., ¥110 or ¥220) for the service.
Your Home Bank’s Fee: This is often the bigger cost. Your own bank will likely charge you a fee for using a foreign ATM and may also give you an unfavorable exchange rate. Check your bank’s policy before your trip.
Withdrawal Limits: Most ATMs have a per-transaction limit, often around ¥100,000 for foreign cards.

When dealing with money abroad, having a reliable internet connection is crucial.

You might need to check your bank balance on your phone, use a currency converter app, or contact your bank in an emergency.

Renting a Pocket WiFi or getting a travel eSIM ensures you’re always connected.

One of the best ways to reduce your reliance on cash is by using a rechargeable IC card for all your transportation needs.

Learn how to get and use one here.

If you found this guide helpful, please give it a like!.