Planning a trip to Japan? Youâll need cash. While digital payments are definitely catching on, Japan still loves the good olâ yen for things like train tickets, local eats, and souvenirs. If youâve got a multi-currency card like YouTrip, then youâre already saving extra with competitive JPY exchange rates and zero FX fees. Hereâs how you can make use of this guide to handle your Japan ATM withdrawal like a pro.Â
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Summary:
Table of Contents:Short answer:Â Yes, especially outside major cities.
Where cards work:
Where youâll need cash:
 Our recommendation: Carry 10,000-20,000 JPY (~S$81-162) in cash at all times.
Related Guide: SGD To Yen Guide: Capitalising On The Japanese Yen
Important:Â Not all ATMs in Japan accept foreign cards. Look for ATMs marked âInternationalâ or displaying Visa/Mastercard logos.
 BEST OPTION)Why choose 7-Eleven ATMs:
Key details:
Locate 7-Eleven ATMs here
Best for:Â Remote areas and smaller towns
Key details:
ATMs charging 220 JPY fee include:
Locate Japan Post ATMs here
Best for:Â Shopping mall locations
Key details:
Locate Aeon Bank ATMs here
Best for:Â Backup when 7-Eleven isnât nearby
Key details:
Locate Lawson ATMs here
Best for:Â Immediate cash needs upon arrival or departure
Why choose airport/department store ATMs:
Where to find them:
Pros:Â Convenient upon arrival
Cons:Â May have shorter operating hours than convenience store ATMs
*The information stated above is true as of 9 Feb 2026
Related Guide: ICOCA Card Japan Guide: Where to Buy, How to Use, Suica Comparison
| ATM Network | Fee per Withdrawal | Withdrawal Limit |
|---|---|---|
| 7-Eleven/7 Bank | Often 0 JPY (varies by card) | 100,000 JPY (~S$810) |
| Aeon Bank | 75 JPY (~S$0.61) | 50,000 JPY (~S$405) |
| Lawson | 110 JPY (~S$0.89) | 50,000 JPY (~S$405) |
| Japan Post | 220 JPY (~S$1.78) | 50,000 JPY (~S$405) |
Fees as of February 9, 2026
Regular bank cards typically charge:
Example:Â Withdrawing 50,000 JPY (~S$405) with a regular bank card could cost you S$8-32 in additional fees.
 Use a fee-free multi-currency card like YouTrip with up to S$400 in free ATM withdrawals every calendar month with a small 2% fee imposed thereafter.
 Withdraw larger amounts less frequently to minimise per-transaction fees
 Always select âSavings Accountâ when prompted
 Decline Dynamic Currency Conversion (DCC) â always withdraw in JPY, not SGD
Related Guide: Here are 10 must-buy items at Don Quijote in Japan
Hereâs how you can withdraw yen at Japan ATMs with YouTrip in 4 easy steps:Â

And there you have it â you wonât ever have to worry about running out of cash in Japan.Â
Related Guide: YouTrip Withdrawal Guide For Singaporeans: ATM Fees & Limits
When travelling overseas, itâs important to get a multi-currency card that can help you save on foreign exchange rates and pesky fees. A multi-currency card allows you to spend like a local without the usual markups or extra charges your typical bank would normally charge â some even waive the FX fees entirely.
Below is a quick comparison between some of the best multi-currency cards in Singapore:
| Card | SGD to JPY Rate* | FX Fees | ATM Withdrawal Fees |
|---|---|---|---|
| YouTrip | 1 SGD = 123.43 JPY | 0% | Free up to S$400/month, 2% fee applies thereafter |
| Revolut | 1 SGD = 123.34 JPY | 0% weekdays 1% weekends | S$350/5 withdrawals free per month, 2% fee applies thereafter |
| Wise | 1 SGD = 123.08 JPY | From 0.26% | Up to S$350/month 2 or less withdrawals: Free 3 or more withdrawals: S$1.50 per withdrawal More than S$350/month 2 or less withdrawals: 1.75% fee 3 or more withdrawals: S$1.50 + 1.75% fee |
| Amaze | 1 SGD = 123.34 JPY | 0% for FX | 2% fee on all amounts withdrawn |
| Trust | 1 SGD = 123.28 JPY | 0% | None |
*Rates taken as of 9 Feb 2026
Why we recommend YouTrip for Japan:
 Competitive wholesale exchange rates with zero markup
 Free S$400 ATM withdrawals every calendar month (2% fee after)
 Zero foreign transaction fees
 Lock in JPY rates when favourable
 No minimum income required
Related Guide: Japan Rail Pass (JR Pass): Prices, Calculator, Map & Full Guide
Notify your bank youâll be travelling to Japan
Confirm your daily withdrawal limits
Memorise your 4-digit ATM PIN
Download ATM locator apps (Seven Bank, Japan Post)
Withdraw enough cash for 2-3 days at once
Keep small bills (1,000 JPY) for street food and small shops
Store cash safely â Japan is very safe, but stay cautious
Check fees on-screen before confirming each withdrawal
Accepting Dynamic Currency Conversion (DCC)
Using credit cards for ATM withdrawals (high cash advance fees)
Withdrawing small amounts frequently
Forgetting your ATM card in the machine (it will be returned to your bank)
Q: Can I use my Visa/Mastercard at all ATMs in Japan?
A: No. Only ATMs marked âInternationalâ or displaying Visa/Mastercard logos accept foreign cards. Stick to 7-Eleven, Japan Post, Lawson, and Aeon Bank ATMs.
Q: Whatâs the maximum I can withdraw per day?
A: This depends on both the ATM limit (usually 100,000 JPY at 7-Eleven) and your cardâs daily limit. Check with your bank before travelling.
Q: Are ATMs available 24/7 in Japan?
A: 7-Eleven and Lawson ATMs are 24/7. Japan Post ATMs have limited hours, especially on weekends and holidays.
Q: Should I exchange money before arriving in Japan?
A: No need. ATM rates are typically better than airport money changers. Just withdraw cash from a 7-Eleven ATM upon arrival.
Q: What if the ATM doesnât have English?
A: Most international ATMs have English menus. If not, look for these buttons:
Getting cash in Japan doesnât have to be a headache. Stick to 7-Eleven, Japan Post, or Lawson ATMs, check the fees before hitting âOKâ, and keep some smaller yen bills for day-to-day expenses. Plus, donât forget to bring along your YouTrip card for the best JPY rates all day and enjoy free* S$400 ATM withdrawals monthly!
Not a YouTrooper yet? Sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!
Then, head over to our YouTrip Perks page for exclusive offers and promotions â we promise you wonât regret it.
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Happy travels!
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