Payments using smartphonesThe most commonly accepted contactless payment smartphone apps or QR code payment methods are PayPay, LinePay, Rpay (Rakuten Pay) and MerPay.
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Cash, credit and debit cards are all accepted, with credit cards and cash the most relevant. Since a credit card is your best choice for a significant amount of your spending, a card that doesn't charge foreign transaction fees provides lots of value.
Japan is a cash society, but credit cards and debit cards are accepted in most places in Japanese cities. Establishments such as local restaurants, markets and rural inns (ryokans) are cash-only. In the places where you can use your card, you may have issues if your card doesn't have your name on the front.
In Japan, you'll use a Suica (or Icoca) card for local transport and most small purchases, and a credit card for big purchases (hotels etc). But you still need Japanese cash for places that don't take cards.
Convenience store ATMs accept most foreign bank cards and have instructions provided in English and Chinese. They are available 24 hours a day, seven days a week. 7-Bank or 7-Eleven ATMs are free to use in Japan. Postal ATMs also accept most foreign bank cards but are only available during post office operating hours.
Also, it can be difficult to use Japan's public transport system without cash, as you will almost always need it to recharge your IC card or to purchase a train ticket. That being said, I would say you should bring enough cash so that you have at least 10,000 yen of spending money per day.
Cash-based countryFor years, Japan was primarily a cash economy. People preferred physical banknotes over cashless transactions. In fact, back in 2021 cashless payments were just 15.1% of total transactions and only rising slowly. Comparatively, in the UK this statistic was 27% in the same year.
Cash, credit and debit cards are all accepted, with credit cards and cash the most relevant. Since a credit card is your best choice for a significant amount of your spending, a card that doesn't charge foreign transaction fees like the Capital One VentureOne Rewards Credit Card provides lots of value.
Though use of credit cards and e-currency has increased in recent years, Japan is still largely a cash-based society. The national currency of Japan is the Japanese Yen (¥). It's best to get some cash converted before you leave home so you have change handy to catch the train to your destination once you arrive.
Tipping in Japan is not expected, and attempts to leave a tip will almost certainly be turned down (a potentially awkward moment). In Japan, it's thought that by dining out or drinking at a bar, you are already paying the establishment for good service.
Credit, debit and prepaid cards of international brands are generally accepted throughout the country. There will be instances where stores may not display the symbols of the cards they accept, so ask the salesperson if you can use your card.
You may be surprised at how many places accept cash only, so it's a good idea to bring enough currency or withdraw money when you arrive, especially if traveling with a large group. Most major Japanese banks accept international cards at their ATMs. Post office ATM are another option.
Paying the bill in JapaneseIt's becoming more common to use card payments in restaurants, but the emajority of independents are still cash only. Another option is to use your Suica or Pasmo to pay, but if you're topping it up as you go, it can be simpler to stick to cash. You can simply ask: English: Is card ok?