Japan ATM Withdrawal: Where to Get Cash and What It Costs

JGO! editorial team — WEBMARKS Inc. (Fujisawa, Kanagawa)

Seven Bank, Japan Post Bank and AEON Bank ATMs can dispense Japanese yen using eligible overseas-issued cards. Seven Bank is a convenient place to start if you are near a 7-Eleven; Japan Post Bank is useful near post offices and some FamilyMart stores; and AEON Bank is an option when you are shopping at an AEON location.

Before withdrawing, match the card’s network logo to the ATM, know your cash-withdrawal PIN and check the amount and fee on screen. Your card issuer may also charge for overseas withdrawals or currency conversion.

Plan How Much Cash You Need

Cards are widely used in Japan, but cash remains useful at some small shops, restaurants and guesthouses. The Japan National Tourism Organization (JNTO) also notes that some rural buses and taxis take cash, while some train-ticket machines do not accept cards. (japan.travel)

Cash is useful for a physical transit IC card, too. JNTO’s cashless payment guide says that the station ticket-machine top-up method it describes requires cash. Mobile IC cards have different funding options. (japan.travel)

To choose a withdrawal amount, add the cash expenses you expect before your next convenient ATM:

• Transit-card top-ups and tickets
• Meals or snacks at places that do not take your card
• Small purchases and a reserve for unexpected costs
• Cash needed on a day trip away from larger stations or shopping areas

For example, a personal budget of ¥2,000 for transit top-ups, ¥4,000 for meals and ¥1,000 for small purchases comes to ¥7,000. Adjust those amounts to your itinerary. For a price reference, JNTO’s FAQ puts a typical convenience-store or casual-restaurant meal at around ¥500–¥1,000. (japan.travel)

If your card charges a fixed fee per withdrawal, taking out enough for several days can cost less than making several small transactions. Balance that saving against the amount you are comfortable carrying, and keep a second payment method separate from your main wallet.

Where to Find an ATM

Seven Bank

Seven Bank ATMs are a practical first choice around 7-Eleven stores. The bank lists Visa, PLUS, Mastercard, Maestro, Cirrus, UnionPay, American Express, JCB, Discover and Diners Club among its supported overseas-card networks.

The published limit is ¥100,000 per withdrawal, or ¥30,000 for a magnetic-stripe transaction. The Seven Bank overseas-card page lists card-brand hours and notes that fees differ by brand. (sevenbank.co.jp)

Use the Seven Bank ATM locator to search near your hotel, station or arrival point. You can also open a Google Maps search for Seven Bank ATMs.

Japan Post Bank

Japan Post Bank ATMs are found at post offices and other locations, including compact machines in some FamilyMart stores. Look for the Japan Post Bank or “International ATM Service” branding: a FamilyMart can also have an ATM operated by another company.

The bank lists Visa, PLUS, Mastercard, Maestro, Cirrus, JCB, UnionPay and Discover. Its international ATM service page sets a ¥50,000 limit per withdrawal. The international service does not offer balance inquiries, so use your issuer’s app or another issuer-provided method to check your balance. (jp-bank.japanpost.jp)

Start with a Google Maps search for Japan Post Bank ATMs, then check the machine’s hours and accessibility. A post-office ATM may be inside an area that closes earlier than the service window shown by the bank.

AEON Bank

AEON Bank is useful when your itinerary includes an AEON shopping location. Its overseas-card page lists Visa, PLUS, Mastercard, Maestro, Cirrus, UnionPay, JCB and Discover. Use the bank’s ATM search or a Google Maps search for AEON Bank ATMs to find a location.

AEON Bank’s published overseas-card service announcement lists a ¥50,000 withdrawal limit per transaction. Its current card page says some ATMs do not handle overseas-issued cards, so choose a machine offering that service. (aeonbank.co.jp)

Compare the networks

These are per-transaction limits. Your issuer may set a lower limit or a separate daily allowance. AEON Bank describes its UnionPay fee on its overseas-card fee page. (aeonbank.co.jp)

ATM Service Hours and Card Networks

An ATM’s network service hours and the hours when you can physically reach the machine are different. A machine inside a shopping center, for example, is only accessible when that part of the building is open.

Seven Bank hours by card brand

Seven Bank lists these service windows for overseas-issued cards:

The hours come from Seven Bank’s accepted-card list. If you arrive close to midnight with a UnionPay, JCB or Discover card, plan around the short overnight service break. (sevenbank.co.jp)

Japan Post Bank hours by location

For compact FamilyMart ATMs, Japan Post Bank’s FamilyMart guide states that service starts at 07:00 on the third Monday. Individual ATM hours can be shorter than the windows above. (jp-bank.japanpost.jp)

AEON Bank hours

AEON Bank’s overseas-card hours and fees page shows 24-hour withdrawal service windows for the overseas-card networks detailed there. Access still depends on the host location’s opening hours, and maintenance can interrupt service. (aeonbank.co.jp)

Understand Withdrawal Fees and Currency Conversion

The yen you receive is only one part of the transaction. Your final cost can include:

1. An ATM fee: A charge associated with using the machine.
2. An issuer withdrawal fee: A fixed amount, a percentage or another charge under your card agreement.
3. Currency conversion: The exchange rate and any foreign-transaction or conversion charge applied to the yen transaction.
4. Credit-card cash-advance costs: A credit-card withdrawal may have different fees and interest terms from an ordinary purchase.

For a concrete comparison, Japan Post Bank says a ¥220 ATM fee applies to some overseas cards. If that fee applies to your card, two withdrawals cost ¥440 in ATM fees, while one costs ¥220. Issuer charges and currency conversion are additional. AEON Bank’s stated UnionPay ATM fee is ¥75 per withdrawal, also separate from issuer charges. (jp-bank.japanpost.jp)

Seven Bank says its overseas-card fee varies by brand. Ask your issuer about the charge for your card and read the machine’s fee screen before confirming.

Questions to ask your card issuer

You can use this wording in a support message or call:

“Can I use this card to withdraw Japanese yen at a Seven Bank, Japan Post Bank or AEON Bank ATM? What is my daily cash-withdrawal limit, and what ATM, overseas-withdrawal and currency-conversion fees will I pay?”

For a credit card, also ask whether the transaction is treated as a cash advance, when interest begins and whether a separate cash-advance limit applies. For a prepaid or travel card, ask whether ATM withdrawals in Japan are enabled and which network the card uses.

Yen or your home currency?

Some ATMs offer dynamic currency conversion, allowing you to see a charge in your home currency at the machine. Choosing yen leaves conversion to your card’s payment network and issuer under their terms. Choosing your home currency accepts the conversion offered on the ATM screen.

Compare the displayed home-currency total and conversion terms with your issuer’s yen-transaction terms. At Seven Bank, the withdrawal guide describes this choice for eligible Visa and Mastercard transactions. Japan Post Bank also offers a home-currency settlement option for some cards. (sevenbank.co.jp)

How to Withdraw Yen at an ATM

Seven Bank’s overseas-card instructions show the following process for a Visa withdrawal. Other cards and machines may present the screens in a different order. (sevenbank.co.jp)

1. Insert your physical card. At Seven Bank, select your language after inserting it.
2. Choose “Withdrawal.” Select the account type associated with your card if prompted.
3. Enter your PIN. Cover the keypad and use the PIN your issuer has set for ATM cash withdrawals.
4. Select the yen amount. Keep it within both the ATM’s transaction limit and your card’s allowance.
5. Review the transaction. Look at the amount, displayed ATM fee and any currency-conversion choice. Cancel if you do not want the displayed terms.
6. Take your cash, card and receipt. Check the card slot and cash dispenser before leaving.

Seven Bank lists English, Chinese, Korean, Thai, Malay, Indonesian, Vietnamese, French, German and Portuguese for overseas-card screens and receipts. Japan Post Bank says its international service at FamilyMart supports 16 languages. (sevenbank.co.jp)

If you need help from a staff member, try: “Where is the ATM?” or “Can I use an overseas card at this ATM?” Staff can help locate the machine, but keep your PIN private.

What to Do if a Withdrawal Fails

The card is rejected

First, read the error message and check the network logo, service time and ATM operator. If the machine should support your card, contact your issuer and ask whether overseas ATM withdrawals are enabled or whether it declined the transaction.

If you are unsure of your PIN, stop rather than repeatedly guessing. Try a second eligible card or another network once you know which part of the transaction failed.

The amount is rejected

Compare the request with both the ATM’s per-transaction limit and your issuer’s cash-withdrawal limit. If your request is too high, enter a lower amount. If it is within the ATM limit but still fails, check your available balance, daily allowance and issuer restrictions.

Splitting a larger amount across several withdrawals can make it possible to stay within a per-transaction limit, but each completed transaction can carry its own fee.

The ATM keeps your card or the cash is wrong

Contact the ATM operator using the machine’s assistance phone or the operator’s official contact channel, and contact your card issuer. Note the ATM location, time, requested amount and any error message. Keep the receipt if one was issued, and do not share your PIN.

If a completed withdrawal appears incorrectly on your account, give the issuer the transaction details and ask how to report it. Keep enough alternative payment access for the rest of your journey while the issue is investigated.

FAQ

Can I withdraw yen with a foreign debit card?

Many overseas-issued debit cards can be used at Seven Bank, Japan Post Bank or participating AEON Bank ATMs. Match the network logo and ask your issuer whether your card is enabled for overseas ATM withdrawals.

Can I use a credit card?

Eligible credit cards can be used for cash withdrawals, but the issuer may treat the transaction as a cash advance. Ask about the cash-advance limit, fees and interest before using the card.

How much can I withdraw at once?

Seven Bank lists ¥100,000 per withdrawal, or ¥30,000 for magnetic-stripe transactions. Japan Post Bank and AEON Bank list ¥50,000 per withdrawal for the overseas-card services described above. Your issuer’s limit may be lower.

Can I use an ATM late at night?

Seven Bank lists Visa and Mastercard service for 00:00–24:00; other brands have short overnight breaks. Compact Japan Post Bank ATMs generally operate from 00:05 to 23:55, with a later start on the third Monday at FamilyMart machines. The building or store must also be open.

Can I check my overseas-card balance at Japan Post Bank?

No. Japan Post Bank’s international ATM service is for withdrawals and does not provide balance inquiries. Use your issuer’s app or other balance-checking service instead.

References

• JNTO: Frequently Asked Questions
• JNTO: Cashless Payments in Japan
• Seven Bank: Overseas Cards Usable at ATMs
• Seven Bank: How to Use an ATM with an Overseas Card
• Seven Bank: ATM Locator
• Japan Post Bank: International ATM Service
• Japan Post Bank: FamilyMart ATM Guide
• AEON Bank: Overseas-Issued Cards
• AEON Bank: Overseas-Card Hours and Fees
• AEON Bank: Overseas-Card Service Announcement
• AEON Bank: ATM Search
• Google Maps: Seven Bank ATMs
• Google Maps: Japan Post Bank ATMs
• Google Maps: AEON Bank ATMs

Information checked November 7, 2026; confirm current ATM and card-issuer conditions before withdrawing.