🏧 Updated April 2026
ATMs in Japan (2026):
Where to Find Them & How to Use Them
Most Japanese ATMs don't accept foreign cards. We explain which ones do, how to avoid fees, and exactly what to do at the machine.
Most Reliable
7-Eleven ATM
Available 24 Hours
Yes (nationwide)
ATM Fee
¥110–¥220
Use 7-Eleven ATMs first. They accept the widest range of foreign cards, operate 24 hours, and have English-language interfaces. Japan Post ATMs are a reliable backup during post office hours.
Which Japanese ATMs Accept Foreign Cards?
| ATM | Hours | Foreign Cards | Languages | Max Withdrawal |
|---|---|---|---|---|
| 7-Eleven ATM (Seven Bank) | Nationwide, 24 hours | ✓ Yes | English, Chinese, Korean, others | ~¥50,000 per transaction |
| Japan Post Bank ATM | Post offices + some stations | ✓ Yes | English | ~¥100,000 per transaction |
| AEON Bank ATM | AEON malls and some supermarkets | ✓ Yes | English, Chinese | ~¥100,000 per transaction |
| Lawson ATM (E-net) | Lawson convenience stores | Some | English (limited) | Varies |
| Standard bank ATMs (Mizuho, MUFG, etc.) | Bank branches | ✗ No | Japanese only | N/A |
7-Eleven ATMs (Seven Bank)
Seven Bank ATMs — found inside every 7-Eleven convenience store in Japan — are the single most reliable option for foreign card withdrawals. They accept Visa, Mastercard, Maestro, UnionPay, American Express, Diners Club, and several other networks.
The English interface is clear and well-designed. After selecting English on the first screen, you'll be guided through the withdrawal process step by step. Machines dispense cash quickly and return your card before handing over the notes — a small but important design choice that prevents cards from being left behind.
7-Eleven stores are open 24 hours and are found throughout Japan — not just in cities, but in smaller towns along major tourist routes. The ATM fee is ¥110–¥220 per transaction, depending on the time of day and your card type.
Japan Post Bank ATMs
Japan Post Bank ATMs are available at all post offices and some train stations. They accept a wide range of international cards via Visa, Mastercard, Maestro, Cirrus, and Plus. The maximum withdrawal is typically ¥100,000 per transaction — higher than 7-Eleven's ¥50,000 limit.
The main limitation is availability: Japan Post ATMs operate during post office hours (generally 9am–6pm on weekdays, limited hours on weekends) rather than around the clock. Some Japan Post ATMs at major stations and tourist areas have extended hours, but this varies by location.
There is no ATM fee during regular business hours. A ¥110 fee applies for evening and weekend access at locations with extended hours.
How to Use a Japanese ATM
Look for the English-language option immediately
On 7-Eleven and Japan Post ATMs, an English option appears on the first screen. Select it before doing anything else — menus are much easier to navigate in English, and you'll avoid accidentally selecting the wrong service.
Choose 'Withdrawal' from the main menu
Select 'Withdrawal' (or 'Cash advance' on some machines). You'll be prompted to insert your card — or on some machines, insert your card first and then select a language. Follow the on-screen prompts.
Enter your PIN
Japanese ATMs use standard numeric PINs. If your card has a PIN longer than 4 digits, it may not work — contact your bank before travelling to set a 4-digit PIN. Use the on-screen keypad or physical number keys.
Select JPY and enter your withdrawal amount
Always withdraw in Japanese yen (JPY). If offered a choice between your home currency and JPY, always choose JPY — the DCC (Dynamic Currency Conversion) rate is set by the bank and is typically 3–5% worse.
Confirm the amount and collect your cash
Review the amount on screen, confirm, and wait. Japanese ATMs dispense cash quickly and also return your card before the cash is ejected — don't walk away without collecting both.
Take your card and receipt
The machine will beep if you forget your card — a helpful feature. Take the receipt if you want a record of the exchange rate applied. Japanese ATMs typically show the transaction amount in both JPY and your home currency.
ATM Fees & Withdrawal Limits
| Fee / Limit | Details |
|---|---|
| 7-Eleven (Seven Bank) ATM fee | ¥110–¥220 per transaction (charged by Seven Bank, separate from any card fee) |
| Japan Post ATM fee | Free during business hours; ¥110 evenings and weekends |
| AEON Bank ATM fee | ¥0–¥110 depending on time and card type |
| Your card's foreign ATM fee | Varies — Wise and Charles Schwab reimburse these; standard bank cards typically charge 1.5–3% |
| Single transaction limit | ¥50,000 at 7-Eleven; ¥100,000 at Japan Post and AEON |
| Daily withdrawal limit | Set by your home bank — check before you travel; typically ¥100,000–¥300,000 equivalent |
For cards with ATM fee reimbursement (e.g. Charles Schwab, some Wise plans), the Seven Bank fee is refunded by your home bank — making the effective withdrawal cost ¥0. See our Best Travel Card for Japan guide for the full comparison.
Tips for Getting Cash in Japan
- Withdraw cash at the airport on arrival — 7-Eleven ATMs operate in most major airports, and you'll want cash immediately for transport and other immediate expenses.
- Avoid withdrawing in very small amounts — the ¥110–¥220 ATM fee is the same regardless of the amount withdrawn. Withdraw ¥20,000–¥30,000 at a time to keep the per-transaction fee low.
- Save the ATM receipt — it shows the exact exchange rate applied, useful for expense tracking and confirming your bank's conversion rate.
- Rural Japan has fewer ATMs — stock up on cash in cities before heading to rural areas, mountain towns, or smaller islands. Convenience store coverage drops significantly outside urban centres.