Currency Exchange in Japan: Best Ways for Travelers
This guide is part of our Money in Japan overview and explains the best ways to exchange money when visiting Japan.
Quick overview:
For most travelers, the easiest and best overall exchange rate usually comes from
withdrawing yen at ATMs using a Visa or Mastercard.
Airport exchange counters are convenient but often cost more,
while hotel exchange desks usually offer the worst rates.
Many visitors are unsure where to exchange money in Japan. This guide explains the main options, their costs, and when to use each one, so you can avoid unnecessary fees.
At a Glance: Currency Exchange Options
| Method | Rates & Fees | Convenience | Best For |
|---|---|---|---|
| ATM withdrawal (Visa / Mastercard) | Good bank rate + small fees | Very easy in cities | Most travelers |
| City exchange counters | Fair, varies by location | Easy near major stations | Exchanging foreign cash |
| Airport exchange counters | Usually worse than ATMs | Very easy on arrival | Small starter cash |
| Hotel exchange desks | Poor rates | Very easy | Emergency use only |
1) Using ATMs: The Best Balance of Rate and Convenience
For most visitors, withdrawing cash from ATMs offers the best balance between exchange rate and convenience.
- Recommended ATMs: 7-Eleven (Seven Bank) and Japan Post Bank
- Cards: Visa or Mastercard debit/credit cards work best
- Important: Always choose to be charged in JPY (yen)
Choosing your home currency instead of yen may trigger Dynamic Currency Conversion (DCC), which usually results in a worse exchange rate.
For a step-by-step explanation, see:
ATM Withdrawal in Japan: What Travelers Need to Know
2) Exchanging Cash at City Exchange Counters
If you already carry foreign cash, city exchange counters can be a reasonable option.
- Better rates than airports in many cases
- Common near major stations and tourist areas
- Rates can vary between shops
Comparing two nearby counters can sometimes save a few percent.
3) Airport Exchange Counters: Convenient but Costly
Airport exchange counters are easy to use after arrival, but their rates are often worse than ATMs or city counters.
They are best used for:
- Getting a small amount of cash on arrival
- Transportation and food on the first day
For larger amounts, ATMs inside the airport usually offer better value.
4) How Much Cash Do You Actually Need?
Japan is becoming more cashless, but it remains a cash-friendly country.
- Small shops, markets, and local restaurants may be cash-only
- Temples, shrines, and local buses often require cash
Most travelers are comfortable carrying ¥5,000–¥20,000 and withdrawing more as needed.
For a detailed breakdown, see:
How Much Cash Do You Need for a Japan Trip?
5) IC Cards and Mobile Payments
IC cards such as Suica and PASMO are very useful for daily payments, but they are not a replacement for currency exchange.
- Used for trains, buses, vending machines, and many shops
- Can be topped up with cash or credit cards
They help reduce how much cash you need to carry day-to-day.
Suica & PASMO: How They Work for Travelers
6) Safety and Practical Tips
- Split cash between wallet and bag
- Keep receipts for large exchanges
- Avoid exchanging large amounts at hotels
- Always choose “Charge in JPY” when given the option
Related Guides
To better understand money and payments in Japan, these guides may also be helpful:
- Cash or Card in Japan: A Simple Guide for Travelers
- Tipping in Japan: What Travelers Should Know
- Money in Japan: A Simple Guide for Travelers
This guide explains general currency exchange options for travelers.
Rates and fees may vary by card issuer, bank, and location.
Last updated: 2026-01-29
