
How to pay in Japan
Japan uses the yen. International credit, debit and prepaid cards are generally accepted in many businesses, especially in major cities, but Japan still has situations where cash is required. Carrying some yen is useful for smaller shops, guesthouses and certain transport or ticket machines.
Cash, ATMs and exchange
Japan Post Bank and Seven Bank are among the ATM networks highlighted by Japan’s tourism organization for international cash withdrawals. ATM service hours and card compatibility can vary, so do not rely on a single card.
A local payment detail worth knowing
IC transit cards such as Suica and PASMO are useful for transport and many everyday purchases. However, physical cards and top-ups at some ticket machines still require cash, so a completely cashless plan can be inconvenient.
- Check whether your card charges foreign-transaction or ATM fees.
- Keep a backup payment method separate from your main wallet.
- When an ATM or terminal offers to convert the charge into your home currency, compare the rate before accepting.
Tipping is generally not expected in Japan; keep small yen notes and coins for purchases rather than setting aside a separate tipping budget.
Useful travel-money gear



