Understand the yen
Japan uses the yen, shown as ¥ or JPY. Coins are used frequently, so a small coin purse becomes practical. Major airports have exchange services, but compare the rate and fees rather than changing the entire budget on arrival.
Keep a reasonable cash reserve without carrying the whole trip’s money. Split funds and maintain a backup card separately.
Cards and cashless payment
International cards are accepted at many hotels, department stores, convenience stores and urban restaurants. Smaller or rural businesses may be cash-only, and some foreign mobile-wallet functions do not work on every device or terminal.
Look for accepted-payment logos and ask before ordering when uncertain. A card working at one ticket machine does not guarantee it will work at the next local operator.
Where to withdraw cash
JNTO highlights Japan Post Bank and Seven Bank ATMs as useful options for overseas-issued cards, while availability and hours vary. Check operator and home-bank fees before confirming.
Withdraw during staffed or convenient hours when possible, shield the PIN and retain the receipt. Do not wait until a rural day trip to discover that a specific card is incompatible.
IC cards as a payment tool
Rechargeable IC cards such as Suica, PASMO and ICOCA simplify compatible local transport and can pay at many convenience stores, lockers and vending machines. They are not universal and do not replace a reserved long-distance ticket.
Card availability, tourist versions, deposits and mobile-wallet compatibility can change. Check the issuing operator and keep cash for top-ups or places outside the interoperable network.
Clear answers
Frequently asked questions
Is Japan still cash-based?
Cashless acceptance has grown greatly, but cash remains necessary in some small, rural and traditional businesses. Carry a sensible backup.
Can I withdraw yen with a foreign card?
Many overseas cards work at Japan Post Bank, Seven Bank and selected bank ATMs. Compatibility, limits and fees depend on the card and machine.
Can an IC card replace my credit card?
No. It is convenient for compatible transport and small purchases but is not accepted everywhere and has balance/top-up rules.
Verification
Official sources and editorial notes
Reviewed on Jul 27, 2026. Entry rules, transport schedules, prices and safety guidance can change; confirm time-sensitive details at the official source before travel.
