How much is the ATM withdrawal fee in Japan?

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



In 2026, the ATM withdrawal fee in Japan for foreign cards typically ranges from 110 yen to 220 yen (approx. $0.75 to $1.50) per transaction, depending on the amount withdrawn. This fee is charged by the Japanese bank or ATM provider (like 7-Bank or JP Post). Specifically, at 7-Eleven (7-Bank) ATMs, which are the most reliable for foreign travelers, the fee is usually 110 yen for withdrawals under 10,000 yen and 220 yen for larger amounts. It is important to note that this "local" fee is in addition to whatever international transaction fee or "out-of-network" fee your own home bank might charge (often $5 or 3%). To avoid the worst costs, you should always choose to be charged in "Local Currency" (Yen) if the ATM offers a conversion; letting the ATM do the conversion (Dynamic Currency Conversion) usually results in a 5–10% markup. In 2026, while Japan is becoming more "cashless," having a debit card with no international fees (like Schwab or Revolut) is still the best way to get cash for small shops and temples.

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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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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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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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When travelling in Japan, a person will likely come across many of the following banknotes: 1,000 yen – This roughly equates to an American $10 bill and is the lowest value of any Japanese banknote in circulation. This bill is typically used by office workers to pay for lunch.

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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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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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