Traveling to Japan comes with its own payment habits and currency considerations. Knowing when to use cash, when cards are accepted, and how to avoid unnecessary fees can make your trip smoother and cheaper.
This travel money guide explains how payments work in Japan, including cash usage, card acceptance, ATM availability, tipping customs, and practical currency conversion examples for travelers.
Currency Used in Japan
Official currency: Japanese Yen (JPY)
Symbol: JPY
Is foreign currency accepted? Foreign currency is rarely accepted outside tourist hotspots.
Live converter:
Cash vs Card in Japan
Cash is still common for small eateries, shrines, and older shops, especially outside major cities. Cards are accepted in hotels, department stores, and larger chains. Contactless works well for transit and big retailers. In most situations, cards are sufficient, but cash is still recommended for local restaurants and regional travel.
ATMs and Withdrawal Fees
ATMs are usually available in cities and major towns, while rural areas can have fewer options. Plan ahead if you're traveling outside major hubs.
Typical fees include a local ATM fee plus your bank's foreign transaction fee. Withdraw larger amounts less often to reduce fees.
Best practice: avoid dynamic currency conversion and always pay in the local currency.
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Tipping and Payment Etiquette in Japan
Tipping is not expected and can be refused. Service is included in the price. Instead of tipping, a polite thank-you is the norm.
Where Cash Is Still Needed
- Small ramen shops and izakaya
- Shrines and temples
- Rural buses or local taxis
- Small souvenir shops
How Much Cash Should You Bring to Japan?
For a short city trip, bring enough cash for small meals and transit. For longer stays or rural travel, carry extra cash for local transport and smaller vendors.
Quick conversions:
Example Currency Conversions for Travelers
- 100 USD to JPY
- 500 USD to JPY
- 1000 USD to JPY
- Typical meal in JPY
- Coffee or public transport fare in JPY
Use the live currency calculator for exact amounts: USD to JPY
Common Travel Money Mistakes in Japan
- Assuming every small restaurant accepts cards
- Exchanging money at airport kiosks with weak rates
- Withdrawing tiny amounts and paying repeat fees
- Letting the ATM convert at a worse rate (DCC)
Quick Travel Money Tips for Japan
- Use cards for large purchases and cash for small payments.
- Carry a backup card and keep emergency cash separate.
- Withdraw at trusted bank ATMs and avoid DCC.
- Check card acceptance before rural travel days.
Final Thoughts
Traveling in Japan is straightforward once you understand local payment habits. With the right mix of cards and cash, you can avoid fees and focus on enjoying your trip.
Check today's exchange rate and plan your travel budget: