Japan Payment Methods and Currency Exchange Guide

Japan uses a cash-centric payment culture, but electronic payments are increasingly common in urban areas. Travelers should be aware of local currency, payment acceptance, and regulations regarding cash and card use.

• Official currency: Japanese Yen (JPY, symbol: ¥)
• Payment methods: Cash is widely accepted; credit cards (Visa, Mastercard, JCB, American Express) are accepted at hotels, department stores, and major restaurants; mobile payments (Suica, PASMO, Apple Pay, Google Pay, Alipay, WeChat Pay) are increasingly available in cities.
• Contactless payments: IC cards (Suica, PASMO) are commonly used for transport and some retail; Apple Pay and Google Pay are accepted at select locations.
• ATM availability: ATMs are found in post offices, 7-Eleven, Lawson, and major banks; not all ATMs accept foreign cards—7-Eleven and Japan Post Bank ATMs are most reliable for international cards.
• Currency exchange: Available at airports, banks, exchange offices, and some hotels; rates and fees vary.
• Foreign currency restrictions: Large cash transactions may require identification; foreign currency is not accepted for retail purchases.
• Cash import/export limits: Travelers must declare if carrying over ¥1,000,000 (approx. USD 7,000/EUR 6,500); declaration required at customs.
• Transaction fees: Foreign card ATM withdrawals may incur fees (typically ¥110–¥220 per transaction); some merchants add a surcharge for credit card use.
• Common issues: Some rural areas and small businesses accept cash only; always carry sufficient yen.
• Major banks/payment providers: MUFG Bank, Mizuho Bank, SMBC, Japan Post Bank, Seven Bank.
• Regulations: Japanese law requires reporting of large cash imports/exports; consult Japan Customs for updates.