Currency Exchange in Japan (2025): Best Ways & Rates
Quick answer: The best overall rate and convenience is usually from ATMs using a Visa or Mastercard debit/credit card. Airport exchange counters are easiest but have higher fees, while hotel desks are the most expensive.
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At a Glance
| Method | Rate/Fees | Convenience | Best for |
|---|---|---|---|
| ATM withdrawal (Visa/Mastercard) | Good bank rate + small fee | Very easy in cities | Most travelers |
| City exchange counters | Fair, varies by shop | Easy near stations | Exchanging foreign cash |
| Airport counters | Usually worse than ATMs | Easiest on arrival | Starter cash |
| Hotel desks | Poor rates | Very easy | Emergency use |
1) Use ATMs for the Best Net Rate
- Where: 7-Eleven (Seven Bank), Japan Post, FamilyMart, Lawson, and major train stations.
- What you need: Visa or Mastercard with a 4-digit PIN. Enable overseas use with your bank before travel.
- Tip: Always choose to be charged in JPY (not your home currency) to avoid Dynamic Currency Conversion (DCC) fees.
- Fees: Expect small FX or ATM fees. Withdraw larger amounts less often to minimize costs.
2) If You Already Carry Cash
- Exchange counters in Shinjuku, Shibuya, Ueno, and Asakusa usually beat airport rates.
- Compare at least two counters—rates can differ by 1–3%.
3) How Much Cash Do You Need?
- Japan is largely cashless, but carry ¥5,000–¥20,000 for shrines, small shops, and markets.
- Major transport, restaurants, and convenience stores accept cards and IC payments.
4) IC Cards & Mobile Wallets
- Use Suica / PASMO for trains, buses, vending machines, and many shops.
- Mobile Suica (iPhone/Android Wallet) allows instant top-ups by credit card—no cash required.
5) Airport vs City
- On arrival: Withdraw a small amount from an airport ATM for transport and meals.
- In the city: Use 7-Eleven or Japan Post ATMs for the best exchange rate.
6) Safety & Practical Tips
- Keep exchange receipts; large cash swaps may require passport ID.
- Split your cash across wallet and bag to reduce loss risk.
- Always choose “Charge in JPY” on terminals and ATMs to avoid poor conversion rates.
Related Planning
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Exchange rates and fees vary by card and location. Last updated: 2025-10-10
