🏦 This is a deep-dive ATM guide for Tokyo. For an overview of cash vs. card acceptance, IC cards, transport payments, and neighborhood spending tips, see the Tokyo Money Guide. For ATM networks across all of Japan, see the Japan Money Guide.
🎧 Order Japanese Yen Before You Fly
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Order JPY → CEI Currency ExchangeATMs in Tokyo That Accept Foreign Cards
Most Japanese bank ATMs (MUFG, SMBC, Mizuho) do not accept foreign-issued cards. Do not waste time looking for a bank branch. The ATMs built for international visitors are inside convenience stores, and your best option is the Seven Bank ATM at any 7-Eleven.
Seven Bank accepts your foreign debit or credit card, has an English screen, charges no operator fee, and is available 24 hours. There are over 2,800 7-Eleven locations in Tokyo alone. If you remember nothing else from this page: walk into any 7-Eleven and use the ATM.
ATMs that reliably accept foreign cards in Tokyo
Seven Bank (7-Eleven)
Japan Post Bank
Lawson
AEON Bank
ATM Fees and Limits in Tokyo
Tokyo's tourist-friendly ATMs charge no operator surcharge, or a very small one. The real cost depends on your home bank. If your bank charges a foreign ATM fee ($2–5 per withdrawal) plus a currency conversion fee (1–3%), those costs add up fast. The best strategy: pair a no-foreign-fee debit card (Wise, Charles Schwab, Revolut) with a Seven Bank ATM for zero-fee withdrawals.
| ATM Network | Operator Fee | Per-Transaction Limit | Hours | Cards Accepted |
|---|---|---|---|---|
| Seven Bank (7-Eleven) | None | ¥100,000 (~$665) | 24 hours* | Visa, MC, Amex, JCB, Discover, UnionPay |
| Lawson Bank | None | ¥100,000 (~$665) | 24 hours* | Visa, MC, JCB, Amex, UnionPay |
| Japan Post Bank | None | ¥50,000 (~$335) | ~7 AM–11 PM (shorter weekends) | Visa, MC, JCB |
| AEON Bank | ¥220 (~$1.50) | ¥100,000 (~$665) | Store hours (varies) | Visa, MC, JCB, UnionPay |
| FamilyMart (E-net) | None | ¥100,000 (~$665) | 24 hours* | Visa, MC (not all machines) |
*Most 24-hour ATMs have a brief maintenance window around 3–4 AM. Your home bank fees still apply on top of any operator fee. USD estimates at ~¥150 = $1.
⚠ Watch Out for DCC (Dynamic Currency Conversion)
Some ATMs (especially at airports and tourist hotspots near Asakusa or Shinjuku) may offer to show your withdrawal amount in your home currency instead of yen. Always decline this and choose Japanese Yen (JPY). Accepting DCC locks in a markup of 3–7% on top of whatever your bank charges. Seven Bank ATMs do not push DCC, which is one more reason to prefer them.
Where to Find ATMs by Area
Tokyo has thousands of foreign-card-friendly ATMs. Here is where to find them in the areas tourists visit most. In every case, the 7-Eleven ATM is your first choice.
Narita Airport (NRT)
Seven Bank ATMs are in the arrivals halls of Terminals 1, 2, and 3. Look for the 7-Eleven store after clearing customs. There are also Travelex and exchange counters, but the ATM rate is better. Withdraw ¥10,000–20,000 here for your initial train fare and first day expenses.
Haneda Airport (HND)
Seven Bank ATMs in Terminals 2 and 3 (international). Located near the arrival gates and in the basement level near train stations. Haneda is closer to central Tokyo, so you may need less cash for transport. The monorail and Keikyu trains accept Suica (which you can load at the ATM area).
Shinjuku
Multiple 7-Elevens within a 2-minute walk of every station exit. There is a 7-Eleven directly inside the JR Shinjuku station building (south exit). Lawson and FamilyMart are also abundant. If you are heading to Golden Gai or Omoide Yokocho for a cash-heavy night out, stop at the 7-Eleven on Yasukuni-dori first.
Shibuya
7-Elevens on nearly every block around the scramble crossing. There is one on Center-gai and another near Hachiko exit. The Shibuya Scramble Square building also has ATMs inside. Lawson stores on Dogenzaka and near Miyashita Park.
Ginza
Multiple 7-Elevens on Chuo-dori and the surrounding blocks. There is a Japan Post office on the main street with ATMs (limited hours, closes around 9 PM on weekdays). Ginza is the most card-friendly area in Tokyo, so you may not need much cash here.
Asakusa / Senso-ji
The 7-Eleven on Kaminarimon-dori (just south of the Thunder Gate) is the go-to ATM for tourists visiting Senso-ji. There is another on the east side near the Sumida River. Get cash before walking through Nakamise-dori, as many traditional shops and food stalls are cash-only.
Akihabara
Several 7-Elevens along Chuo-dori. The big electronics stores (Yodobashi Camera, Bic Camera) accept cards, but smaller specialty anime shops and arcade centers are mixed. There is also a Japan Post office with an ATM near Akihabara station if you prefer that.
Roppongi
7-Elevens near Roppongi Crossing and along Gaien-Higashi-dori. A Lawson sits near the entrance to Roppongi Hills. Roppongi is fairly card-friendly at restaurants and bars, but having ¥5,000 cash on hand for smaller venues and late-night spots is wise.
Tsukiji Outer Market
There is a 7-Eleven on Harumi-dori, a 5-minute walk from the main market area. Withdraw before you start eating. The market stalls are almost entirely cash-only, and a good morning of eating your way through Tsukiji costs ¥3,000–5,000. The nearest Japan Post ATM is at the Tsukiji Post Office (weekday hours only).
Tokyo Station
Seven Bank ATMs inside the Yaesu side of Tokyo Station. Also a 7-Eleven in the station underground passages (Gransta area). Useful if you are arriving from or departing on a shinkansen and need to load up on cash. Japan Post ATMs are available inside the nearby Tokyo Central Post Office.
How to Withdraw Cash at a 7-Eleven ATM
Seven Bank ATMs are designed for international visitors. The process is straightforward, but here is exactly what to expect so there are no surprises.
- Find the ATM inside the store. It is usually near the entrance or against a wall. The machine is labeled "Seven Bank" and has a slot for your card on the right side.
- Select your language. Tap "English" on the touchscreen (or Chinese, Korean, Portuguese). The default screen is in Japanese.
- Choose "Withdrawal." Other options include balance inquiry and transfers, but you want withdrawal.
- Insert your card. Chip side up, facing left. The machine reads the chip. If your card has no chip, insert the magnetic stripe side down.
- Enter your PIN. Use the physical keypad (not the touchscreen). This is your standard 4-digit ATM PIN.
- Select "Savings" or "Checking." Pick whichever account your card draws from. If unsure, "Savings" usually works for debit cards.
- Enter the amount in yen. Type the amount (e.g., 30000 for ¥30,000). The machine dispenses in ¥10,000 and ¥1,000 notes. Maximum ¥100,000 per transaction.
- Decline DCC if offered. If a screen asks whether you want to be charged in your home currency, select "Japanese Yen" or "Without conversion." This avoids a 3–7% markup.
- Take your cash, card, and receipt. The machine returns your card first, then dispenses cash. Do not walk away without both. The receipt shows the yen amount and any operator fee (usually ¥0 for Seven Bank).
Troubleshooting
Card rejected? Try pressing "Cancel" and starting over. Some cards need a second attempt. If it fails again, try a different 7-Eleven (occasionally a specific machine has issues). If no 7-Eleven ATM works, try a Japan Post Bank ATM or Lawson.
Daily limit hit? Your home bank may impose a daily limit (often $500–1,000). Call your bank to raise it before travel. The Seven Bank per-transaction limit (¥100,000) is separate from your bank's daily cap.
Card swallowed? Extremely rare at Seven Bank. If it happens, the machine will print a receipt with a reference number. Call the number on the receipt. The store staff cannot retrieve it.
How Much Yen to Withdraw
Tokyo is not as cashless as you might expect. Here is a rough guide to daily cash needs depending on your plans.
| Travel Style | Daily Cash Needed | Notes |
|---|---|---|
| Budget traveler | ¥5,000–8,000 (~$33–53) | Convenience store meals, one sit-down meal, transit on Suica, temple visits |
| Mid-range | ¥10,000–15,000 (~$65–100) | Mix of card and cash restaurants, market visits, a few attractions |
| Night out (Golden Gai, izakayas) | ¥10,000–20,000 (~$65–130) | Small bars and izakayas are almost all cash-only. Cover charges common. |
| Tsukiji/market day | ¥5,000–8,000 (~$33–53) | Street food stalls, seafood tasting. Some stalls do not break large bills. |
| Day trip (Kamakura, Nikko) | ¥5,000–10,000 (~$33–65) | Temple entry fees, local food, smaller shops. ATMs less frequent outside Tokyo. |
Withdraw enough for 2–3 days at a time to minimize ATM visits. Keep a reserve of ¥10,000 that you do not spend, in case you hit an unexpected cash-only situation.
ATMs to Avoid in Tokyo
⚠ Japanese Bank Branch ATMs
ATMs at MUFG, SMBC, Mizuho, and other Japanese bank branches frequently reject foreign cards. Even when they accept your card, the interface is often Japanese-only and hours are limited (many close by 9 PM, and on weekends entirely). There is no advantage to using a bank ATM over a convenience store ATM. Skip them.
⚠ Travelex / Exchange Counter ATMs
Travelex kiosks at Narita, Haneda, and tourist areas in Shinjuku and Asakusa have ATMs and exchange counters. Their rates include a 5–10% markup over mid-market. The 7-Eleven ATM 30 meters away gives you a better rate with no operator fee. There is never a reason to use Travelex in Tokyo.
⚠ Shinsei Bank / GAICA ATMs
These occasionally appear in train stations and malls. Reports from travelers indicate inconsistent foreign card acceptance and confusing interfaces. If you see one, keep walking to the nearest 7-Eleven.
How to Pay Zero ATM Fees in Tokyo
Seven Bank charges no operator fee. So the only fees come from your home bank. Here is how to eliminate those too.
Use a No-Foreign-Fee Debit Card
The Wise debit card charges no foreign transaction fee and converts at the real mid-market rate. Free ATM withdrawals up to $100/month, then a small fee after that. The Charles Schwab Investor Checking debit card reimburses all ATM fees worldwide with no foreign transaction fee. Revolut offers fee-free ATM withdrawals up to a monthly limit depending on your plan.
With any of these cards at a Seven Bank ATM, your total fee for a withdrawal is ¥0. That is as good as it gets anywhere in the world.
The Best Card for Tokyo ATMs
Wise + Seven Bank ATM = ¥0 in fees. No foreign transaction fee, real mid-market exchange rate, and free ATM withdrawals up to $100/month. Also works as a Visa debit card for tap-to-pay at shops and restaurants.
Hold yen in your account before you fly, or convert on the spot when you withdraw.
Get the Wise Card →Withdraw Larger Amounts Less Often
If your bank charges a flat per-transaction fee ($3–5 per withdrawal), withdrawing ¥50,000 once is cheaper than ¥10,000 five times. Plan your cash needs for a few days and withdraw in one go. Keep the extra cash in your hotel safe.
Notify Your Bank Before Travel
Some banks automatically block foreign ATM transactions as a fraud precaution. Call your bank or set a travel notice through your banking app before you fly. Also confirm your daily ATM withdrawal limit, and ask to increase it if it is lower than ¥100,000 (~$665).
ATM Safety in Tokyo
Tokyo is one of the safest cities in the world. ATM crime is virtually nonexistent. That said, basic precautions still apply.
General Safety
Using ATMs at night is safe. 7-Eleven stores are brightly lit, staffed, and have security cameras. You can withdraw cash at 2 AM without concern. Japan consistently ranks among the safest countries for tourists, and ATM skimming is extremely rare.
Lost wallets are often returned. Japan has an extraordinary rate of lost property being returned to police boxes (koban). If you lose your wallet, visit the nearest koban and file a report. Cash is frequently returned intact.
Keep receipts. If you dispute a charge with your bank later, the Seven Bank receipt is your proof of the transaction amount and exchange rate. Take a photo of each receipt before discarding it.
Avoiding Fraud Holds
Japan's heavy tourist ATM usage sometimes triggers fraud alerts from US and European banks. Set a travel notification before departure. If your card is blocked mid-trip, call the number on the back of your card (or use your banking app to unlock it). Having a backup card from a different bank is always a good idea.
Frequently Asked Questions
What is the best ATM for tourists in Tokyo?
Seven Bank ATMs inside 7-Eleven convenience stores. They accept all major foreign cards (Visa, Mastercard, Plus, Cirrus, Amex), have English screens, charge no operator fee, and are available 24 hours. There are thousands of 7-Elevens across Tokyo.
Do Japanese bank ATMs accept foreign cards?
Usually not. ATMs at MUFG, SMBC, and Mizuho branches often reject foreign-issued cards. The domestic ATM networks these banks use are not configured for international cards. Use convenience store ATMs instead: 7-Eleven (Seven Bank), Lawson, or Japan Post Bank.
What is the ATM withdrawal limit in Tokyo?
Seven Bank ATMs allow up to ¥100,000 per transaction (about $665). You can make multiple transactions if you need more. Japan Post Bank limits vary but are typically ¥50,000 per transaction. Your home bank may impose its own daily limit on top of these per-transaction caps.
Are there ATM fees for foreign cards in Tokyo?
Seven Bank charges no operator fee for foreign card withdrawals. Lawson charges no operator fee either. AEON Bank charges ¥220. Your home bank will likely charge a foreign ATM fee (typically $2–5) and possibly a currency conversion fee (1–3%) unless you use a no-foreign-fee card like Wise or Charles Schwab.
Can I use ATMs in Tokyo at night?
7-Eleven ATMs are available 24 hours in most locations, with a brief maintenance window around 3–4 AM. Japan Post Bank ATMs close between 9 PM and 7 AM on weekdays (earlier on weekends). Japanese bank ATMs often shut down by 9 PM. For late-night withdrawals, 7-Eleven is your only reliable option.
Should I get yen at Narita Airport or in the city?
Use the 7-Eleven ATM in the Narita arrivals hall. It gives you mid-market rates with no operator fee. The currency exchange counters at Narita charge 3–8% markup. If you need cash immediately for the train, withdraw ¥10,000–20,000 at the airport ATM and get more in the city as needed.
What denominations do Tokyo ATMs dispense?
Seven Bank ATMs dispense ¥10,000 and ¥1,000 notes. If you withdraw ¥30,000, you will get three ¥10,000 notes. To get smaller bills, buy something small at the 7-Eleven counter and pay with ¥10,000. Staff will give you change without issue. Small ramen shops and street food stalls sometimes struggle to break ¥10,000 bills.
Can I use my credit card to withdraw cash in Tokyo?
Yes, but it is usually a bad idea. Credit card cash advances start accruing interest immediately (often 20–30% APR) with no grace period, and most issuers add a cash advance fee of 3–5%. Use a debit card for ATM withdrawals and save your credit card for purchases at shops and restaurants that accept cards.
Do I need to exchange money before flying to Tokyo?
Not necessary. The 7-Eleven ATM at Narita or Haneda arrivals gives you yen at a good rate the moment you land. Pre-ordering yen from your bank at home or an exchange service works too, but the rate is usually worse. If you want cash in hand before boarding, CEI Currency Exchange delivers yen to your door with insured shipping.
Zero ATM Fees in Tokyo
The Wise card converts at the real mid-market rate with no FX markup. Free ATM withdrawals up to $100/month at any Seven Bank ATM. Hold JPY, USD, and 40+ currencies on one card. Tap to pay at any shop that accepts Visa contactless.
- ✓ No foreign transaction fees
- ✓ Real mid-market exchange rate
- ✓ Free ATM withdrawals up to $100/mo
- ✓ Contactless Visa debit card