HomeMoney Exchange
Best Money Exchange for Japan
Compare exchange rates, fees, and the best way to get yen
4 providers🇯🇵 Updated Mar 2026
Quick Pick
Get Your Existing Card→Don't want to compare? Our top pick is Your Existing Card — , rated 3.5/5.
Quick comparison
Y
Zero preparation needed — use your current debit or credit card.
Method
Your existing card
Exchange Rate
Bank rate (2-5% markup)
Fees
1-3% foreign transaction
★★★★★
3.5Method
Your existing card
Exchange Rate
Bank rate (2-5% markup)
Fees
1-3% foreign transaction
Setup Required
None
W
WiseBest exchange rate for Japan travelers
Best exchange rate with transparent fees and multi-currency card.
Method
App / Card
Exchange Rate
Mid-market rate
Fees
0.35-2% transparent
★★★★★
4.6Method
App / Card
Exchange Rate
Mid-market rate
Fees
0.35-2% transparent
Setup Required
App + card (1-2 weeks)
C
Walk-in currency exchange at airports and city locations.
Method
Counter
Exchange Rate
3-8% markup
Fees
Commission varies
★★★★★
3.0Method
Counter
Exchange Rate
3-8% markup
Fees
Commission varies
Setup Required
None (walk in)
R
Great exchange rates with free ATM withdrawals up to monthly limit.
Method
App / Card
Exchange Rate
Near mid-market
Fees
Low + free ATM limit
★★★★★
4.4Method
App / Card
Exchange Rate
Near mid-market
Fees
Low + free ATM limit
Setup Required
App + card (1-2 weeks)
Detailed reviews
01
Y
Your Existing Card
Zero preparation needed — use your current debit or credit card.
★★★★★
3.5- ✓Zero preparation needed
- ✓Works immediately on arrival
- ✓No new apps to learn
- ✗Foreign transaction fees 1-3% on every purchase
- ✗ATM fees from both banks
02
- ✓Best exchange rate available to tourists
- ✓Transparent fees no surprises
- ✓Withdraw cash at any 7-Eleven ATM
- ✗Must sign up and order card 1-2 weeks before trip
- ✗ATM withdrawal has daily limits
03
- ✓Immediate cash no waiting
- ✓No technology needed
- ✓Available at all airports
- ✗Worst exchange rates 3-8% markup
- ✗Airport rates worse than city
04
- ✓Great exchange rates
- ✓Free ATM withdrawals up to monthly limit
- ✓Easy app interface
- ✗Weekend exchange rate markup applies
- ✗Free withdrawal limit then 2% fee
Head-to-head comparisons
Frequently asked questions
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.
Should I exchange money before going to Japan?
Exchange a small amount for arrival (Â¥10,000-20,000). Use Wise/Revolut cards or 7-Eleven ATMs in Japan for the best rates.
Is Japan still a cash-heavy country?
Increasingly less so, but many small restaurants, shrines, and rural areas are cash-only. Always carry some yen.
Which ATMs in Japan accept foreign cards?
7-Eleven (Seven Bank) and Japan Post ATMs are the most reliable. Available 24/7 at convenience stores.
How much cash should I carry in Japan?
Budget ¥5,000-10,000 per day for cash-only expenses. Major stores and restaurants accept cards, but small eateries often don't.