How much does Japan ATM charge?

Japan ATM Withdrawal Fees Fees for withdrawing cash from ATMs in Japan are typically 1-3% of the transaction amount.



In 2026, ATM fees in Japan generally range from 110 to 330 yen per transaction (roughly $0.75 to $2.25 USD). The exact cost depends on the day and time of your withdrawal; many Japanese banks charge a higher "off-peak" fee after 6:00 PM on weekdays and all day during weekends and public holidays. For international travelers, major convenience store ATMs like 7-Eleven (7-Bank), Lawson, and FamilyMart (E-net) are the most reliable, typically charging a flat fee of 110 yen for 10,000 yen and 220 yen for larger amounts. It is important to note that your home bank may also charge a foreign transaction fee or an out-of-network ATM fee on top of the Japanese machine's charge. To minimize costs, many travelers use cards with reimbursed ATM fees or select "No" when the machine asks for "Dynamic Currency Conversion," as the local bank's exchange rate is almost always less favorable than your own bank's rate.

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You can avoid a credit card foreign transaction fee by either paying cash or using a credit card that doesn't charge foreign transaction fees. Most credit cards that do not charge a foreign transaction fee note it on their website, but you can also look at the credit card's terms and conditions page.

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Not all Japanese ATMs will be compatible with foreign issued cards, and some may not offer service in English. However, there are a few pretty extensive ATM networks you can rely on when in Japan, including cash dispensers in more than 20,000 post offices and 10,000 7-Eleven convenience stores across Japan.

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Most major credit cards are accepted for purchases in larger stores and restaurants. However, be aware that shrines and other locations in rural areas might only take cash.

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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.

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So roughly 2,000 USD per person for lodging, transportation in Japan, food, and souvenirs. You can do it for less, but that was fun for the whole trip. I highly recommend ordering about 50,000 yen in cash from your bank before going.

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Luckily, it's a very safe country (one of our favorite things about Japan), and the biggest risk is probably losing or misplacing your cash. Regardless, of course, be smart and take reasonable precautions if carrying large sums of money.

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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.

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