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ATMs in Japan: About Using International Cash and Credit Cards

ATMs in Japan: About Using International Cash and Credit Cards

Date published: 22 March 2016
Last updated: 26 November 2018

When thinking of how to bring money to Japan for your trip, many people will inevitably debate how much cash to bring - and how much to use credit cards. Although things are changing, Japan is still largely a cash-based economy, and not all shops can accept credit cards.

When cash starts running low during your travels in Japan, the ability to withdraw Japanese yen with your own international cash or credit card will come in extremely handy. Join as we share where can travelers withdraw cash from Japanese ATMs and how to use them.

1. About international ATMs in Japan

First, while ATMs in Japan that accept international cards are generally not difficult to find, it's important to note that the cards they accept may be limited.

Some cash and credit cards may have a restriction during what times they can be used. In addition, note that not all ATMs will operate 24 hours a day, and that there is typically a daily cap (often ¥300,000) on the amount of money that can be withdrawn from a given card.

Be sure to check our tips below for additional suggestions before using an international ATM in Japan.

2. List of ATMs in Japan that accept international cards

a. Japan Post Bank ATMs

a. Japan Post Bank ATMs

ATMs of the Japan Post Bank (JP Bank in short) can be found in post offices and many other locations all across Japan. If the ATM itself is located inside a post office, it won’t be accessible if the office itself is closed. Japan Post Bank ATMs in other locations, though, such as Ministop convenience stores or stations, can be accessed at all times.

Service hours
Monday - Saturday:
0:05 a.m. - 11:55 p.m. (Holidays excluded. From 7:00 a.m. on Monday and the day following a holiday.)

Sundays, holidays and December 31:
0:05 a.m. - 9:00 p.m. (From 7:00 a.m. on Monday and the day following a holiday)

January 1 - 3
7:00 a.m. - 9:00 p.m.

Withdrawal limits
50,000 yen per withdrawal

Cash and credit cards accepted at JP Bank ATMs
VISA, VISAELECTRON, PLUS, Mastercard, Maestro, Cirrus, American Express, JCB, China Unionpay, and Discover.
It should be noted that certain Maestro cards with an IC chip currently cannot be used.

ATM usage fee
\216 (tax included) per use may apply; cards issued overseas may have additional fees imposed by the respective financial institution.

b. Seven Bank ATMs (7-Eleven ATMs in Japan)

b. Seven Bank ATMs (7-Eleven ATMs in Japan)

The ATMs of Seven Bank, found at every 7-Eleven convenience store, operate in a variety of languages and accept just as many cards. In addition, 7-Eleven ATMs in Japan can be found at many international airports, large train stations, and larger shopping malls.

Service hours
Open 24 hours/7 days per week

Withdrawal limits
100,000 yen per withdrawal.
(For cards with magnetic stripes, limit of 30,000 yen; for American Express cards, limit of 30,000 yen per withdrawal.)

Cash and credit cards accepted at Seven Bank ATMs
VISA, VISA PLUS, Mastercard, Maestro, Cirrus, American Express, JCB, China Unionpay, Discover, Diners Club.
It should be noted that certain Maestro cards with an IC chip currently cannot be used.

ATM usage fee
An ATM usage fee per use may apply; cards issued overseas may have additional fees imposed by the respective financial institution.

c. Aeon Bank ATMs

c. Aeon Bank ATMs

Operated by Aeon, Japan’s largest shopping mall chain, Aeon Bank’s ATMs also accept a wide range of international cash and credit cards. While there are not as many as from Seven Bank or JP Bank, Aeon Bank’s ATMs are also installed in supermarkets and convenience stores operated under the umbrella of the Aeon Group.


Service hours
Open 24 hours/7 days per week

Withdrawal limits
50,000 yen per withdrawal.

Cash and credit cards accepted at Aeon Bank ATMs
VISA, VISA PLUS, Mastercard, Maestro, Cirrus, American Express, JCB, China Unionpay, and Discover.

ATM usage fee
An ATM usage fee per use may apply; cards issued overseas may have additional fees imposed by the respective financial institution.

d. Other ATMs

d. Other ATMs

Other ATMs you’re likely to find around Japan are those of the Bank of Tokyo-Mitsubishi UFJ which accept JCB, Union Pay, and DISCOVER. Mizuho Bank’s ATMs, on the other hand, accept VISA, PLUS, MasterCard, Maestro, and Cirrus.

3. How to use an international ATM in Japan

3. How to use an international ATM in Japan

The general way to make a withdrawal at a Japanese ATM is as follows:
1. Insert your card.
2. Select your preferred language.
3. Press the WITHDRAWAL button.
4. Select the account you want to withdraw cash from.
5. Enter the desired amount (coins are only available at ATMs inside banks).
6. Confirm the amount.
7. Enter your PIN number and press ENTER.
8. Retrieve the cash, your card, and the receipt.

4. Important tips before leaving on vacation to Japan

Ensure that you do the following at home before your trip to Japan, so that you are able to use international ATMs in the country:

1. Notify your bank that you will be using your card overseas, so that they do not inadvertently block access to your card. Most banks let you do this online for free.

2. Make sure that your card can be used overseas. While most of the international ATMs in Japan also allow cash withdrawls directly from credit cards, it's good to check with your financial institution that this is the case for you.

3. Check what fees are involved for international transactions.

4. Know what your daily and/or monthly caps are for international ATMs. Also note that

5. Know the secret PIN for your credit card. If you do not know this, be sure you check with your bank. Note that many banks may not share this information directly for security purposes, and it may require them sending a postcard to your mailing address - which can take a week or few.

*This information is from the time of this article's publication.
*Prices and options mentioned are subject to change.
*Unless stated otherwise, all prices include tax.

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