Foreign-issued cards can be used to withdraw yen at Seven Bank ATMs inside Seven-Eleven stores and at Japan Post Bank ATMs. At Seven Bank ATMs, each withdrawal with a card issued overseas is capped at 100,000 yen. At Japan Post Bank ATMs, one cash withdrawal with an overseas-issued card is limited to JPY 50,000 or less. Seven Bank ATMs stay in service 365 days a year.
This guide draws on the websites of Seven Bank and Japan Post Bank. It does not describe other banks' ATMs or rules for the whole country.
Which ATMs Take Foreign Cards
Seven Bank ATMs inside Seven-Eleven stores let you take out Japanese yen, morning or night. Seven Bank ATMs are installed across Japan and number 28,000 or more. With a VISA card, Seven Bank ATMs give service from 00:00 to 24:00.
Foreign-issued cards work at every Japan Post Bank ATM in Japan. Japan Post Bank ATMs give cash withdrawals with foreign-issued cash cards, debit cards, credit cards and prepaid cards. The brand marks that Japan Post Bank ATMs take are VISA, PLUS, MasterCard, Maestro, Cirrus, JCB, China Unionpay and DISCOVER.
How to Withdraw Yen, Step by Step
- Pick the ATM. Seven Bank ATMs number 28,000 or more across Japan. Japan Post Bank ATMs, all of them in Japan, accept foreign-issued cards.
- Check the brand on your card. Japan Post Bank ATMs accept cards bearing any of the VISA, PLUS, MasterCard, Maestro, Cirrus, JCB, China Unionpay or DISCOVER marks.
- Check the service times. From Monday to Saturday, excluding holidays, Japan Post Bank ATMs at Japan Post Bank branches and post offices serve overseas-issued cards from 7:00 to 23:00.
- Mind the cap on each withdrawal. At Seven Bank ATMs, a card issued overseas can take out up to 100,000 yen in one withdrawal. A Japan Post Bank ATM pays out JPY 50,000 or less per cash withdrawal with an overseas-issued card.
- Allow for a possible charge. An ATM usage fee of 220 yen, tax included, per use may apply with certain cards issued abroad.
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Hours, Limits and Fees
| ATM and card brand | Service times |
|---|---|
| Seven Bank ATMs, VISA | 00:00 to 24:00 |
| Seven Bank ATMs, Mastercard | 00:00 to 24:00 |
| Seven Bank ATMs, UnionPay | 00:10 to 23:50 |
| Seven Bank ATMs, American Express | 00:05 to 23:50 |
| Seven Bank ATMs, JCB | 00:10 to 23:50 |
| Seven Bank ATMs, Discover | 00:10 to 23:50 |
| Seven Bank ATMs, Diners Club | 00:05 to 23:55 |
| Japan Post Bank ATMs at branches and post offices, Monday to Saturday, excluding holidays | 7:00 to 23:00 |
| Japan Post Bank ATMs at branches and post offices, Sundays, holidays, January 1 to 3 and December 31 | 7:00 to 21:00 |
The cap for one withdrawal at Seven Bank ATMs with a card issued overseas is 100,000 yen. For a Japan Post Bank ATM, the figure per cash withdrawal with an overseas-issued card is JPY 50,000 or less. An ATM usage fee of 220 yen, tax included, may apply per transaction with some foreign-issued cards.
Exceptions and Differences Between the Two
At Seven Bank ATMs, magnetic stripe card transactions carry a cap of 30,000 yen. Service times at Seven Bank ATMs differ by card brand, and a UnionPay card gets service from 00:10 to 23:50 there. A Diners Club card, for its part, is served from 00:05 to 23:55 at Seven Bank ATMs.
Balance inquiry is not offered to foreign-issued cards at Japan Post Bank ATMs. On Sundays, holidays, January 1 to 3 and December 31, Japan Post Bank ATMs at Japan Post Bank branches and post offices handle overseas-issued cards from 7:00 to 21:00.
Compact ATMs in FamilyMart convenience stores and similar shops run daily from 0:05 to 23:55, and from 7:00 on the third business day.
Before You Head Out
For getting around, see our rural transport guide and the last departures of the day. You can also read about seasonal closures and rest days and sending luggage ahead. Seven Bank ATMs are in service every day of the year. Service times and caps can change. Check official information before visiting. If your trip starts in Tokyo, you can browse day trips from Tokyo.