Is Japan a cash-based society?

Yes. While cards are increasingly accepted in department stores and major chains, many small shops, shrines, and local restaurants only accept cash.

Should I exchange money before I leave home?

Generally, no. The exchange rates at your home bank are often worse than withdrawing yen directly from an ATM in Japan.

What if my ATM card gets declined?

Check your banking app to ensure you haven't exceeded your daily limit or triggered a fraud alert. If that fails, try a different ATM brand like JP Post Bank or Lawson Bank.

How to Exchange Money in Japan

Carry a mix of physical yen and a debit card that waives international transaction fees. Use 7-Eleven ATMs for the most reliable, low-fee cash withdrawals rather than exchange booths.

Use 7-Eleven ATMs (Seven Bank). Seven Bank ATMs inside 7-Eleven stores accept most international cards and are open 24/7. They offer the best exchange rates and have an English menu option.
Withdraw the maximum. Avoid paying multiple ATM transaction fees by withdrawing larger amounts at once. Aim for 30,000 to 50,000 yen per withdrawal if you know you will be traveling for a few days.
Skip currency exchange booths. Avoid airport and city center currency exchange windows. Their rates are significantly worse than what your bank will provide when you withdraw from an ATM.
Use IC cards for small transactions. Load a Suica or Pasmo card on your smartphone or buy a physical card. Use these for transit, vending machines, and convenience stores so you don't collect excessive coin change.

Is Japan a cash-based society?: Yes. While cards are increasingly accepted in department stores and major chains, many small shops, shrines, and local restaurants only accept cash.
Should I exchange money before I leave home?: Generally, no. The exchange rates at your home bank are often worse than withdrawing yen directly from an ATM in Japan.
What if my ATM card gets declined?: Check your banking app to ensure you haven't exceeded your daily limit or triggered a fraud alert. If that fails, try a different ATM brand like JP Post Bank or Lawson Bank.