Why don't most Japanese ATMs accept foreign cards?

Japan's banking system developed separately from international networks. Most bank ATMs only connect to domestic networks. Convenience store and post office ATMs added international connectivity later to serve tourists and foreign residents.

How much cash should I withdraw at once?

Withdraw ¥20,000-30,000 at a time to minimize fees. Japan is cash-heavy - you'll need cash for restaurants, small shops, temples, and transportation cards. Many places don't accept cards at all.

What if my card gets stuck or the transaction fails?

Stay at the machine and call the number on the screen immediately. For 7-Eleven ATMs, staff can help during store hours. Keep your bank's international number saved in your phone before traveling.

Can I deposit money into Japanese ATMs?

No. Foreign cards can only withdraw cash from Japanese ATMs. You cannot make deposits, transfers, or check balances.

How to Use ATMs in Japan as a Foreigner

Use 7-Eleven ATMs, Japan Post Bank, or major bank ATMs in tourist areas. Bring a card with no foreign transaction fees. Most Japanese ATMs don't accept foreign cards, but convenience store ATMs almost always do.

Find the right ATM. Head to 7-Eleven, FamilyMart, or Lawson convenience stores. Their ATMs accept foreign cards 24/7. Japan Post Bank ATMs (red machines) also work reliably. Avoid most bank ATMs unless they have English signage saying 'International Cards Accepted.'
Check your card compatibility. Look for Visa, Mastercard, Plus, or Cirrus logos on the ATM. Your card must have a 4-digit PIN. 6-digit PINs don't work in Japan. Chip-and-signature cards often fail - bring a chip-and-PIN card.
Navigate the interface. Press 'English' on the screen. Select 'Withdrawal' then 'Credit Card' (even for debit cards). Enter your 4-digit PIN when prompted. The machine will ask for your account type - select 'Checking' for most foreign cards.
Choose your amount. Select from preset amounts or choose 'Other Amount.' Most ATMs dispense ¥1,000, ¥5,000, and ¥10,000 notes. Daily withdrawal limits are typically ¥50,000-100,000 depending on your bank and the ATM.
Complete the transaction. Take your cash, card, and receipt. The receipt shows the exchange rate used. Count your money before leaving - machines rarely make mistakes but it's good practice.

Why don't most Japanese ATMs accept foreign cards?: Japan's banking system developed separately from international networks. Most bank ATMs only connect to domestic networks. Convenience store and post office ATMs added international connectivity later to serve tourists and foreign residents.
How much cash should I withdraw at once?: Withdraw ¥20,000-30,000 at a time to minimize fees. Japan is cash-heavy - you'll need cash for restaurants, small shops, temples, and transportation cards. Many places don't accept cards at all.
What if my card gets stuck or the transaction fails?: Stay at the machine and call the number on the screen immediately. For 7-Eleven ATMs, staff can help during store hours. Keep your bank's international number saved in your phone before traveling.
Can I deposit money into Japanese ATMs?: No. Foreign cards can only withdraw cash from Japanese ATMs. You cannot make deposits, transfers, or check balances.