How to use ATM in Japan

Overview of Japanese ATMs

Japanese ATMs allow users to withdraw cash, check account balances, and even make payments for bills in some cases. While many ATMs support major Japanese bank cards, not all of them accept international cards, which can be an important factor for foreign travelers. Many Japanese ATMs also operate on specific schedules and may not be available 24 hours a day, unlike ATMs in other countries. However, certain ATMs found in convenience stores are generally accessible 24/7 and are more likely to accept foreign cards, providing greater flexibility for visitors.

Where to Find ATMs in Japan

ATMs are widely available throughout Japan, especially in urban areas. Here are some common places where ATMs can be found:

1. Convenience Stores:
ATMs in convenience stores like 7-Eleven, Lawson, and FamilyMart are generally available 24 hours a day. ATMs in these locations often support international cards, including major credit cards and debit cards such as Visa, Mastercard, and Cirrus. 7-Eleven, in particular, has ATMs that accept a wide range of foreign cards, making them a popular choice for international visitors.

2. Post Offices:
Japan Post Bank ATMs are located in post offices across the country, including rural areas. These ATMs usually accept international cards and operate during post office hours, which vary but typically extend from morning to late afternoon. Japan Post ATMs are a reliable option for withdrawing cash in areas where convenience stores may not have compatible ATMs.

3. Bank Branches:
Most major Japanese banks, such as Mitsubishi UFJ, Mizuho, and SMBC, have ATMs at their branches. However, these ATMs may not all support international cards, and their hours may be limited to typical banking hours (often from 9 AM to 5 PM). Some bank ATMs may also be available in department stores or shopping centers with extended hours.

4. Airports and Train Stations:
ATMs are available at most international airports and major train stations, making them convenient for travelers arriving in Japan. These ATMs are often open 24/7 and accept international cards. ATMs in transportation hubs are a reliable option for those who need to withdraw cash as soon as they arrive.

How to Use an ATM in Japan

・Language Selection: Most ATMs in popular locations offer an option to switch to English or other languages, making it easier for international visitors. Look for a language selection button on the screen before proceeding.

・Insert Card: Insert your card into the machine. For some ATMs, you may need to swipe or tap your card, but most have a slot where you insert it directly.

・Choose Transaction Type: Select the type of transaction you wish to perform. The most common options are “Withdrawal” and “Balance Inquiry.” After choosing, you’ll typically be prompted to select your bank account type (usually “Savings” or “Checking” for international cards).

・Enter Amount: Input the amount you want to withdraw. Most ATMs in Japan dispense cash in Japanese yen, with common denominations starting at 1,000 yen. Some ATMs may have withdrawal limits per transaction, often around 50,000 yen for international cards.

・Confirm and Complete: Confirm the transaction, and the ATM will process your request. After the cash is dispensed, you can take your receipt (if available) and retrieve your card.

ATM Fees in Japan

ATM fees in Japan vary depending on several factors, including the time of day, the type of card used, and the location of the ATM. Here’s an overview of typical fees:

🟡Domestic Bank Card Fees:
Japanese bank card users often face higher fees for using ATMs outside regular banking hours or during weekends and holidays. For example, a withdrawal from an ATM during business hours may cost around 110 yen, while after-hours or holiday withdrawals could increase to 220 yen or more.

🟡International Card Fees:
For foreign cardholders, fees are generally higher, as both the issuing bank and the ATM provider may charge transaction fees. An ATM withdrawal with an international card may incur a fee ranging from 100 to 500 yen (approximately $1 to $4 USD), depending on the issuing bank’s policies and any additional foreign exchange fees. Currency conversion fees can also apply, depending on the card provider.

🟡Convenience Store ATMs:
Convenience store ATMs, especially 7-Eleven, tend to have lower fees and more straightforward policies for international cards, making them popular among travelers. However, even at convenience store ATMs, fees for international transactions can vary, so it’s helpful to confirm any fees displayed on the screen before completing a transaction.