How to Get Cash in Japan - Withdrawing Money at ATM
Japan is a highly technological country, yet withdrawing cash from an ATM with a foreign card can be challenging. Most Japanese bank ATMs do not accept foreign-issued cards, with SMBC Bank being a notable exception. But there are some effective strategies that can help make the process of getting cash easier.
Seven Bank ATMs (7-Eleven Stores) are the best for foreign cards.
1. Seven Bank ATMs (7-Eleven Stores)
Seven Bank ATMs are the most convenient option for foreign travelers, as they are found in nearly every 7-Eleven store across Japan. These ATMs are open 24/7 and support multiple languages, including English, making them highly accessible.
Why They’re Great: They are located in nearly every 7-Eleven store across Japan, making them easy to find.
Cards Accepted: Visa, Mastercard, American Express, Maestro, Cirrus, UnionPay and others.
Availability: It is always open 24/7.
Language Support: These instructions are translated into English and other languages apart from Japanese.
2. Japan Post Bank ATMs
Japan Post Bank ATMs are another reliable option for foreign cards. They are commonly located in post offices, train stations, and shopping centers, though some may follow limited business hours.
Where to Find Them: These are located in post offices, train stations, shopping centers, and supermarkets.
Cards Accepted: International credit and debit cards are usually accepted in most of the ATMs.
Operating Hours: Most are open during business hours, though some operate 24/7.
Tip: To easily identify these ATMs, look for the JP logo.
3. Airport ATMs
Airport ATMs provide convenient access to cash immediately upon arrival. They are located at major airports such as Narita, Haneda, and Kansai, ensuring travellers can withdraw money before leaving the airport.
Where: The major airports of the country include Narita, Haneda and Kansai.
Best Use Case: It is advisable to get cash as soon as you get to the country to avoid having to look for it in the future.
4. Major Bank ATMs (SMBC, MUFG, Citibank)
ATMs from major banks like SMBC, MUFG, and Citibank accept foreign cards where indicated. However, they are less accessible compared to other options and typically operate during business hours, closing on weekends or holidays.
Considerations: These ATMs are not very easily accessible but they accept foreign cards where indicated.
Operating Hours: These are usually limited to business hours and may be closed on weekends or on specific holidays.
Some important tips that may help tourists with ATM concerns are explained below.
ATMs Tips for Foreign Travellers
Foreign travellers should be aware of ATM fees, withdrawal limits, and language options. Selecting English or other supported languages ensures a smoother transaction experience.Here are essential tips for using ATMs in Japan to avoid potential issues:
- Check Fees: Be aware of international transaction fees from your home bank.
- Know Withdrawal Limits: This may be due to the number of times one can transact business at an ATM or the bank’s guidelines.
- Choose the Right Language: Languages can be selected in English and other languages since most of the ATMs are touch screens.
Avoiding Common ATM Problems
Planning withdrawals ahead can reduce transaction fees and ensure cash availability. Be aware that some rural ATMs may close at night or during public holidays.
To make cash withdrawals smoother, follow these best practices:
- Plan Withdrawals: This way you will be in a position to withdraw cash in larger amounts and at distant intervals hence minimising the number of ATM withdrawals.
Mind the Hours: Some rural ATMs may be closed at night or on public holidays.
Bank Partnerships: Bank Partnerships: Check if your home bank has partnerships with Japanese banks to reduce transaction fees.
Are Traveler’s Cheques Still Useful?
Yes, traveler’s cheques are still relevant in Japan even though they are not popular any more. They may provide a higher exchange rate than the ATM machines or currency exchange companies. Big cities’ banks, hotels, and department stores may have them, but their usage is restricted.
Thus, following the above mentioned tips will help to make the process of withdrawing money in Japan less of a challenge and will allow the traveler to have more fun.
