Do I need cash when visiting Tokyo?

Large tourist attractions within Japan will always accept credit cards, but places like shrines, temples, and off-the-beaten-track locations are usually cash-only.



While Tokyo has become significantly more "cashless" in 2026, it is still essential to carry some physical currency. Major department stores, hotels, and convenience stores like 7-Eleven or Lawson all accept international credit cards and mobile payments (Apple Pay/Google Pay). However, many of Tokyo’s most iconic experiences still require cash: small family-run izakayas, traditional ramen shops with "ticket machines," and many neighborhood cafes remain cash-only. Additionally, entrance fees at temples and shrines, as well as many coin-operated lockers at train stations, only accept physical yen. A vital tool for any Tokyo visitor is a digital Suica or Pasmo card on your phone; while these can be topped up with a credit card, they act as a "digital wallet" for transit and thousands of small retailers. A good rule of thumb is to keep ¥10,000–¥20,000 in your wallet for emergencies and small vendors. Even as Japan pushes for 65% cashless transactions by 2030, the "cash is king" culture persists in the very places that offer the most authentic glimpses of Tokyo life.

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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.

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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.

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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 like the Capital One VentureOne Rewards Credit Card provides lots of value.

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Paying the bill in Japanese It'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?

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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.

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Assessing the reasons why Japanese consumers prefer cash, Statista notes its security and reliability are highly valued. Over 55 percent of respondents cited concerns over personal information leakage as being a major drawback of cashless options.

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Buy yen in the US by getting a travel money card, using a specialist foreign exchange service or your own bank, or picking up cash at the airport. The fees you pay for each service can vary widely, so do compare a few, looking carefully at both the commission charges and the exchange rates available.

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$5000 is more than enough for one person for at comfortable two-week trip after an economy airfare from the USA and economy to mid-range hotel reservations are arranged in advance.

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