Wise vs Cash Exchange
Which money exchange is better for your Japan trip?
Feature comparison
Wise
MethodApp / Card
Exchange RateMid-market rate
Fees0.35-2% transparent
Setup RequiredApp + card (1-2 weeks)
ATM Cash Withdrawal7-Eleven, Post Office, Aeon
Best ForBudget-conscious travelers
Cash Exchange
MethodCounter
Exchange Rate3-8% markup
FeesCommission varies
Setup RequiredNone (walk in)
ATM Cash WithdrawalN/A
Best ForNeed cash immediately
| Feature | Wise | Cash Exchange |
|---|---|---|
| Method | App / Card | Counter |
| Exchange Rate | Mid-market rate | 3-8% markup |
| Fees | 0.35-2% transparent | Commission varies |
| Setup Required | App + card (1-2 weeks) | None (walk in) |
| ATM Cash Withdrawal | 7-Eleven, Post Office, Aeon | N/A |
| Best For | Budget-conscious travelers | Need cash immediately |
Pros & cons
Wise
- ✓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
Cash Exchange
- ✓Immediate cash no waiting
- ✓No technology needed
- ✓Available at all airports
- ✗Worst exchange rates 3-8% markup
- ✗Airport rates worse than city
- ✗Carrying large cash amounts risky
Our verdict
Wise edges ahead with 4.6/5. Both are solid choices — pick based on your priorities.