Quick answer. At Tokyo Haneda (HND), the key Japan rule is that not every ATM takes a foreign card: use a Seven Bank ATM (the 7-Eleven machine, also in the terminals) or a Japan Post Bank ATM, both of which reliably accept foreign Visa and Mastercard with an English menu. Most Japanese bank ATMs (MUFG, SMBC, Mizuho) are less reliable for foreign cards. Japan has no Bank of America Global ATM Alliance partner, so a BoA card pays its own 3% non-network fee here; a no-FX-fee card (Wise, Schwab) is cleaner, and decline DCC and choose Japanese yen (JPY). Haneda's big advantage over Narita is location: it is only about 15 km from central Tokyo. To the city: the Tokyo Monorail to Hamamatsuchō (~13–17 min) for the JR Yamanote Line, or the Keikyu Line to Shinagawa (~12 min); a Suica or Pasmo IC card (or contactless) pays for both.
Where to get Japanese Yen at HND
The key Haneda fact is that you must use a Seven Bank or Japan Post ATM for a foreign card (most other Japanese bank ATMs are unreliable), that Japan is still fairly cash-reliant so a decent yen float is worth it, and that a Suica or Pasmo IC card pays for the fast trains into the city. The cost math below assumes you withdraw or exchange the equivalent of $100.
| Option | Where | Markup | Total Cost |
|---|---|---|---|
| Seven Bank / Japan Post ATM (HND) | All terminals | Interbank rate, small operator fee (~¥110-220) | ~$100 + small fee + home-bank fee |
| Suica / Pasmo IC + contactless card | Transit and cards-accepted shops | Interbank rate on a no-FX-fee card | ~$100 |
| Airport exchange counter (HND) | Arrivals | A few percent off interbank, plus fees | ~$94-97 |
| Ordinary Japanese bank ATM (foreign card) | May reject the card | Often will not work for foreign cards | Use Seven Bank / Japan Post instead |
| Accepting DCC at any machine | Anywhere | +4-12% if you choose 'charge in USD' | ~$88-96 |
Where to find the foreign-card-friendly ATMs at Tokyo Haneda (HND)
Tokyo Haneda (HND), only about 15 km south of central Tokyo, is the closer and often more convenient of the city's two airports (Narita sits some 60 km out), and it now handles a large share of international traffic through Terminal 3. The single most useful thing to know about getting cash in Japan is that not every ATM accepts foreign cards. The machines that reliably do are the Seven Bank ATMs (the same ones in every 7-Eleven, and present in the Haneda terminals) and the Japan Post Bank (Yucho) ATMs; both have an English menu, accept foreign Visa and Mastercard, and run 24/7 in many locations. Most ordinary Japanese bank ATMs (MUFG, SMBC, Mizuho) are less dependable for foreign cards, though that is slowly improving. Japan remains more cash-reliant than many visitors expect, with smaller restaurants and shops still cash-first, so it is worth pulling a reasonable yen float at the airport. Japan has no Bank of America Global ATM Alliance partner, so a BoA card pays its standard 3% non-network fee. Use a Seven Bank or Japan Post ATM, decline DCC, and choose Japanese yen.
Terminal 3 (international)
Most international carriers, including Japan Airlines, ANA, United, Delta, American, British Airways, and the major Asian and European airlines. Terminal 3 is Haneda's international terminal, with rail connections to the Monorail and Keikyu Line
In Terminal 3 arrivals, look for a Seven Bank ATM or a Japan Post Bank ATM, both of which accept foreign cards with an English menu; avoid relying on an ordinary Japanese bank ATM. Withdraw a reasonable yen float, decline DCC, choose Japanese yen, then take the Monorail or the Keikyu Line into the city.
Terminals 1 and 2 (mainly domestic, some international)
Japan Airlines (T1) and ANA (T2) domestic flights, with a growing number of international departures from Terminal 2. The terminals connect to the same Monorail and Keikyu rail links
Terminals 1 and 2 also have Seven Bank and Japan Post ATMs that accept foreign cards. If you are connecting from a domestic flight, withdraw yen here from one of those machines, decline DCC, and choose yen before heading into the city.
Do you actually need cash at Tokyo Haneda (HND)?
Partly. The Monorail, the Keikyu Line, and Tokyo's transit run on a Suica or Pasmo IC card, but Japan is still cash-reliant for many shops and restaurants. Here is what works, and where yen cash is essential:
Tokyo Monorail (to Hamamatsuchō, for JR Yamanote) (~¥500 one way): ~13-17 min to Hamamatsuchō, connecting to the JR Yamanote Line for Tokyo and Shinjuku. Tap a Suica or Pasmo IC card.
Keikyu Line (to Shinagawa) (~¥330 one way): ~12 min to Shinagawa, with some trains continuing to Asakusa. Tap a Suica or Pasmo IC card.
Airport Limousine bus (~¥1,000-1,400 to major hubs): Direct coaches to Shinjuku, Tokyo Station, and major hotels. Useful with heavy luggage; pay by card or IC.
Taxi (~¥6,000-8,000 to central Tokyo): Pricey but available 24/7; far dearer than the train for the 15 km. Cards and IC widely accepted.
⚠ DCC trap. When the ATM or terminal asks if you want to be charged in your home currency instead of the local currency, always decline and choose the local currency. Accepting locks in a 3-13 percent markup that your no-FX-fee card cannot undo. Full DCC explainer →
Frequently Asked Questions
Do I need cash to get from Tokyo Haneda (HND) to Tokyo?
No. Tokyo Monorail (to Hamamatsuchō, for JR Yamanote) accepts contactless. Most taxis accept cards. Uber and other apps are card-only.
Can I order Japanese Yen before flying?
Yes. CEI Currency Exchange ships physical Japanese Yen to your US address in 2-5 days at rates well below airport counters. Order 50-100 Japanese Yen for taxis and tips on day one.
Which ATM at Haneda accepts foreign cards?
Use a Seven Bank ATM or a Japan Post Bank (Yucho) ATM. These are the two networks that reliably accept foreign Visa and Mastercard in Japan, with an English-language menu and 24/7 availability in many spots; Seven Bank machines are the same ones you find in every 7-Eleven, and both are present at Haneda. Most ordinary Japanese bank ATMs (MUFG, SMBC, Mizuho) are less dependable for foreign cards, so do not be surprised if one rejects your card. Withdraw a reasonable yen float since Japan is still fairly cash-reliant, decline dynamic currency conversion, and choose Japanese yen.
Why is Haneda better than Narita for most Tokyo trips?
Location. Haneda is only about 15 km from central Tokyo, so the trip in is short and cheap: the Tokyo Monorail reaches Hamamatsuchō (for the JR Yamanote Line) in roughly 13-17 minutes, and the Keikyu Line reaches Shinagawa in about 12 minutes. Narita sits roughly 60 km out, so even the fast trains take 40-60 minutes and cost more. If you have a choice of airport, Haneda usually means less time and money getting to the city. The cash rules are the same at both: use a Seven Bank or Japan Post ATM.
Is there a Bank of America Global ATM Alliance partner in Japan?
No. None of the Japanese banks belong to the Bank of America Global ATM Alliance, so a BoA debit card pays BoA's standard 3% non-network fee at any Japanese ATM. There is no fee-free option for BoA cards in Japan. A no-foreign-transaction-fee card such as Wise or Charles Schwab is cleaner; Schwab also refunds the small operator fee that Seven Bank or Japan Post may charge (often around ¥110-220). Whatever card you use, withdraw from a Seven Bank or Japan Post ATM and choose yen.
How do I get from Haneda to central Tokyo?
Two fast rail options for the roughly 15 km. The Tokyo Monorail runs from the terminals to Hamamatsuchō in about 13-17 minutes, where you connect to the JR Yamanote Line for Tokyo, Shinjuku, and beyond. The Keikyu Line runs to Shinagawa in about 12 minutes, with some trains continuing through to Asakusa and onward. Both cost only a few hundred yen and accept Suica and Pasmo IC cards (and increasingly contactless). A taxi to central Tokyo is far pricier. Pick up or top up an IC card at the station; it also pays for the rest of Tokyo's transit.
Can I order Japanese yen before flying?
Yes, and for Japan it is worth landing with some cash. CEI Currency Exchange ships physical Japanese yen to your US address in 2–5 days at a rate below the airport counters, useful because Japan is more cash-reliant than many visitors expect, with smaller restaurants and shops still cash-first. Your home bank can also order yen. The cleanest setup is a no-FX-fee card (Wise or Schwab) for cards-accepted spending plus a solid yen float, topped up from a Seven Bank or Japan Post ATM, for the many cash-only places.