Your Existing Card vs Wise
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
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
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
| Feature | Your Existing Card | Wise |
|---|---|---|
| Method | Your existing card | App / Card |
| Exchange Rate | Bank rate (2-5% markup) | Mid-market rate |
| Fees | 1-3% foreign transaction | 0.35-2% transparent |
| Setup Required | None | App + card (1-2 weeks) |
| ATM Cash Withdrawal | Most ATMs | 7-Eleven, Post Office, Aeon |
| Best For | No preparation needed | Budget-conscious travelers |
Pros & cons
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
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
Our verdict
Wise edges ahead with 4.6/5. Both are solid choices — pick based on your priorities.