Japan ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2026

Travelling to Japan? Here’s a Japan ATM withdrawal guide for everything you need to know — from fees to recommended locations for foreign cards.

Planning a trip to Japan? You’ll need cash. While digital payments are definitely catching on, Japan still loves the good ol’ yen for things like train tickets, local eats, and souvenirs. If you’ve got a multi-currency card like YouTrip, then you’re already saving extra with competitive JPY exchange rates and zero FX fees. Here’s how you can make use of this guide to handle your Japan ATM withdrawal like a pro. 

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Summary:

• Should I bring cash?: Carrying cash is still essential in Japan, especially in smaller shops and rural areas. 
• Best option: 7-Eleven and 7 Bank ATMs (often fee-free for Mastercard, 24/7 availability)
• Backup options: Japan Post (220 JPY fee), Lawson (110 JPY fee), Aeon Bank (75 JPY fee)
• Pro tip: Bring a fee-free multi-currency card like YouTrip to avoid 2-8% bank withdrawal fees
• YouTrip Withdrawals: Offers free S$400 in ATM withdrawals every calendar month with a 2% fee imposed thereafter.

Table of Contents:

1. Do You Still Need Cash in Japan?
2. Where to Find ATMs That Accept Foreign Cards
3. Japan ATM Fees Comparison
4. How to Withdraw Cash from Japan ATMs
5. Best Multi-Currency Cards for Japan
6. Pro Tips for Using ATMs in Japan
7. FAQs

Do You Still Need Cash in Japan?

Short answer: Yes, especially outside major cities.

Where cards work:

• Hotels and large department stores
• Chain restaurants in Tokyo and Osaka
• Tourist attractions and shopping malls

Where you’ll need cash:

• Small local restaurants and izakayas
• Street food stalls and markets
• Rural areas and smaller towns
• Temples, shrines, and local museums
• Taxis (though many now accept cards)

 Our recommendation: Carry 10,000-20,000 JPY (~S$81-162) in cash at all times.

Related Guide: SGD To Yen Guide: Capitalising On The Japanese Yen

Where to find ATMs in Japan That Accept Foreign Cards:

Important: Not all ATMs in Japan accept foreign cards. Look for ATMs marked “International” or displaying Visa/Mastercard logos.

1. 7-Eleven and 7 Bank ATMs ( BEST OPTION)

Why choose 7-Eleven ATMs:

• Found on nearly every corner in Japanese cities (27,000+ locations)
• Open 24/7
• English menu support
• Often fee-free for foreign Mastercard holders

Key details:

• Withdrawal limit: 100,000 JPY per transaction (~S$811)
• Fees: Often zero fees, but may vary by card network (Mastercard vs. Visa) and time of day. Fee will be clearly displayed on screen before confirmation.

Locate 7-Eleven ATMs here

2. Japan Post Bank ATMs

Best for: Remote areas and smaller towns

Key details:

• Withdrawal limit: 50,000 JPY per transaction (~S$405)
• Fee: 220 JPY (~S$1.78) per withdrawal
• Availability: Found in 20,000+ post offices nationwide
• Hours: Vary by location (some close evenings/weekends)
• Languages: English menu available

ATMs charging 220 JPY fee include:

• Major City banks’ ATMs
• Mitsubishi UFJ Trust and Banking ATMs
• Sumitomo Mitsui Trust Bank ATMs
• Shoko Chukin Bank ATMs
• Japan Post Bank ATMs in FamilyMart convenience stores

Locate Japan Post ATMs here

3. Aeon Bank ATMs

Best for: Shopping mall locations

Key details:

• Languages: English, French, Korean, German, Italian, Portuguese, Chinese
• Withdrawal limit: 50,000 JPY (~S$405)
• Fee: 75 JPY (~S$0.61) per withdrawal
• Availability: 24 hours at Aeon malls and select locations

Locate Aeon Bank ATMs here

4. Lawson ATMs 

Best for: Backup when 7-Eleven isn’t nearby

Key details:

• Withdrawal limit: 50,000 JPY per transaction
• Fee: 110 JPY (~S$0.89) flat fee
• Availability: Found in 13,000+ Lawson convenience stores
• Withdrawals: In 10,000 JPY increments only

Locate Lawson ATMs here

5. International Airports & Department Stores ATMs 

Best for: Immediate cash needs upon arrival or departure

Why choose airport/department store ATMs:

• Convenient access right when you land in Japan
• No need to search for ATMs in unfamiliar areas
• Usually well-maintained and clearly marked
• Staff assistance often available nearby

Where to find them:

• Narita International Airport
• Haneda Airport
• Kansai International Airport
• Major department stores (Takashimaya, Isetan, Mitsukoshi)

Pros: Convenient upon arrival
Cons: May have shorter operating hours than convenience store ATMs

*The information stated above is true as of 9 Feb 2026

Related Guide: ICOCA Card Japan Guide: Where to Buy, How to Use, Suica Comparison

Japan ATM Fees: What You’ll Actually Pay

ATM Operator Fees (Charged by Japanese Banks)

Fees as of February 9, 2026

Your Bank’s Fees (Charged by Card Issuer)

Regular bank cards typically charge:

• Currency conversion markups: 1-3%
• Foreign transaction fees: 2-3%
• International ATM fees: 2-8%

Example: Withdrawing 50,000 JPY (~S$405) with a regular bank card could cost you S$8-32 in additional fees.

How to Avoid ATM Fees in Japan

 Use a fee-free multi-currency card like YouTrip with up to S$400 in free ATM withdrawals every calendar month with a small 2% fee imposed thereafter.
 Withdraw larger amounts less frequently to minimise per-transaction fees
 Always select “Savings Account” when prompted
 Decline Dynamic Currency Conversion (DCC) — always withdraw in JPY, not SGD

Related Guide: Here are 10 must-buy items at Don Quijote in Japan

How to Withdraw Cash From Japan ATMs

Here’s how you can withdraw yen at Japan ATMs with YouTrip in 4 easy steps: 

1. Locate an ATM displaying any of these logos and insert your YouTrip card 
   
2. Select ‘Savings account’
   
3. Key in your 4-digit ATM & Card PIN 
   • Note that from 28 June 2024, your 4-digit App Passcode has been updated to 6 digits. However, your ATM & Card PIN will remain the same 4-digits! 
     
4. Withdraw your desired amount in JPY 
   • Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter 
     
5. Review fees on screen and confirm
   
6. Decline Dynamic Currency Conversion
   • If asked “Charge in SGD or JPY?” → Always choose JPY
   • DCC adds hidden markups of 3-7%

And there you have it — you won’t ever have to worry about running out of cash in Japan. 

Related Guide: YouTrip Withdrawal Guide For Singaporeans: ATM Fees & Limits

Best Multi-Currency Cards for Japan (2026)

When travelling overseas, it’s important to get a multi-currency card that can help you save on foreign exchange rates and pesky fees. A multi-currency card allows you to spend like a local without the usual markups or extra charges your typical bank would normally charge — some even waive the FX fees entirely.

Below is a quick comparison between some of the best multi-currency cards in Singapore:

*Rates taken as of 9 Feb 2026

Why we recommend YouTrip for Japan:

 Competitive wholesale exchange rates with zero markup
 Free S$400 ATM withdrawals every calendar month (2% fee after)
 Zero foreign transaction fees
 Lock in JPY rates when favourable
 No minimum income required

Related Guide: Japan Rail Pass (JR Pass): Prices, Calculator, Map & Full Guide

Pro Tips for Using ATMs in Japan

Before Your Trip

Notify your bank you’ll be travelling to Japan
Confirm your daily withdrawal limits
Memorise your 4-digit ATM PIN
Download ATM locator apps (Seven Bank, Japan Post)

During Your Trip

Withdraw enough cash for 2-3 days at once
Keep small bills (1,000 JPY) for street food and small shops
Store cash safely — Japan is very safe, but stay cautious
Check fees on-screen before confirming each withdrawal

Common Mistakes to Avoid

Accepting Dynamic Currency Conversion (DCC)
Using credit cards for ATM withdrawals (high cash advance fees)
Withdrawing small amounts frequently
Forgetting your ATM card in the machine (it will be returned to your bank)

Get the best JPY rates with YouTrip!

Getting cash in Japan doesn’t have to be a headache. Stick to 7-Eleven, Japan Post, or Lawson ATMs, check the fees before hitting “OK”, and keep some smaller yen bills for day-to-day expenses. Plus, don’t forget to bring along your YouTrip card for the best JPY rates all day and enjoy free* S$400 ATM withdrawals monthly!

Not a YouTrooper yet? Sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.

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Happy travels!

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