Wise vs Your Existing Card
Which money exchange is better for your Japan trip?
Y
Your Existing Card
3.5
Zero preparation needed — use your current debit or credit card.
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
Your Existing Card
MethodYour existing card
Exchange RateBank rate (2-5% markup)
Fees1-3% foreign transaction
Setup RequiredNone
ATM Cash WithdrawalMost ATMs
Best ForNo preparation needed
| Feature | Wise | Your Existing Card |
|---|---|---|
| Method | App / Card | Your existing card |
| Exchange Rate | Mid-market rate | Bank rate (2-5% markup) |
| Fees | 0.35-2% transparent | 1-3% foreign transaction |
| Setup Required | App + card (1-2 weeks) | None |
| ATM Cash Withdrawal | 7-Eleven, Post Office, Aeon | Most ATMs |
| Best For | Budget-conscious travelers | No preparation needed |
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
Your Existing Card
- ✓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
- ✗Worst exchange rate of all options
Our verdict
Wise edges ahead with 4.6/5. Both are solid choices — pick based on your priorities.