What this solves
Japan is famously cash-heavy. Tourists find that 7-Bank ATMs (in 7-Eleven, Marui, NewDays) charge ¥110 per withdrawal for foreign cards. JP Post ATMs (every post office) charge ¥110. Domestic bank ATMs (Mitsubishi UFJ, SMBC) may not accept international cards at all. This tool compares ATM options + foreign transaction fees from your bank + credit-card cash advance (3-5% of transaction).
Estimate
How to read results
- 7-Bank ATM: ¥110 flat per withdrawal (24/7 at all 7-Eleven locations, also Lawson/Marui ATMs). Daily limit varies by bank card (often ¥30,000-100,000 per withdrawal).
- JP Post ATM: ¥110 flat, but inside post offices (closed evenings and Sundays). Post offices in JR Stations stay open longer.
- Domestic banks: SMBC Seven Bank, Mitsubishi UFJ accept some international cards but not all. Try with Visa/MasterCard first.
- Travel card (Wise/Revolut/Charles Schwab): if you pre-loaded JPY on the card, ATM withdrawal at any Plus/Cirrus ATM costs ¥110 only. Big savings on FTF.
Limitations
2026 reference. Some banks now waive FTF (Capital One Venture, Chase Sapphire Reserve, Schwab). Travel cards have different add/less policies for JPY. We don't model your bank's specific terms — check the card agreement.
FAQ
Why was my withdrawal declined?
Most common reason: foreign card was set to "no overseas use" by your home bank. Log in to your banking app and enable overseas ATM. Some banks require a one-time confirmation phone call.
Can I use Apple Pay at the ATM?
Yes. iPhone 8+ in Express Transit mode with a Suica cannot withdraw cash. But you can tap a contactless card at Plus/Cirrus ATMs at FamilyMart/Lawson.
What's the per-withdrawal minimum?
7-Bank ATM: minimum ¥1,000 (often ¥10,000 at older machines). JP Post ATM: ¥1,000. Domestic: ¥10,000 or more.
About this tool
Purpose: identify the cheapest way to obtain yen. Scope: ATM and credit-cash options. Not affiliated with any bank.
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Disclaimer
Reference prices for 2026. Always check your bank's actual fees.