Money in Japan

Currency Exchange in Japan

Japan uses the Japanese Yen (JPY, ¥). Exchange rates fluctuate — check current rates before travel. Currency exchange is available at airports (Narita, Haneda, Kansai), banks, post offices and some hotels, but ATMs typically offer better rates. Airport exchange counters at Narita and Kansai are reasonably competitive and convenient for getting initial yen on arrival. In cities, Travelex and SBJ Exchange offer exchange services but with varying commissions. Banks exchange currency but with limited hours (typically 9:00–15:00 weekdays only) and paperwork. The best strategy: withdraw yen from a 7-Eleven or post office ATM using your international card.

ATM Availability

Japan's regular bank ATMs often do not accept foreign cards — this catches many visitors off guard. The reliable options: 7-Eleven (セブン銀行 / Seven Bank) ATMs work with virtually all international Visa, Mastercard, Maestro, Cirrus and Plus cards, 24/7, in English. There are over 25,000 7-Eleven stores across Japan, making this the most dependable ATM network for foreign visitors. Japan Post (ゆうちょ銀行 / Yucho Bank) ATMs at post offices also accept foreign cards, with English menus, though hours may be limited (typically 7:00–23:00). Some convenience stores (Lawson, FamilyMart) have also added international-card-compatible ATMs. Withdrawal limits: typically ¥50,000–¥100,000 per transaction. Your home bank may charge a fee per withdrawal; check before travel.

Card Acceptance

Despite Japan's high-tech image, it remains significantly more cash-dependent than most Western countries. Card acceptance has improved dramatically since 2019 (pre-Olympics push), but cash is still essential for daily life. Cards are accepted at: hotels, department stores, larger restaurants, train stations (JR ticket offices), convenience stores, major chains, and tourist-oriented businesses. Cards are often NOT accepted at: smaller restaurants and izakaya, ramen shops, local shops, temple entrance fees, vending machines, many taxis (though this is changing), market stalls, and rural businesses. The practical reality: carry ¥10,000–¥20,000 (roughly €60–130) in cash at all times. IC cards (Suica, Pasmo) are essential — they work for trains, buses, convenience stores, vending machines and some restaurants.

Tipping Customs

Tipping is NOT practiced in Japan and can cause confusion or even offence. Exceptional service is the baseline expectation, not something that requires a financial reward. Do not tip at restaurants, bars, taxis, hotels, hair salons, or anywhere else. If you leave money on the table, staff may chase you down the street to return it. The only exceptions: high-end ryokan (traditional inns) where you may leave a small gift of ¥1,000–¥3,000 in an envelope (not handed directly) for the nakai-san (room attendant), and private tour guides where a small gift is appreciated but not money. In group tours, tips for bus drivers and guides are sometimes collected — follow the group leader's guidance.