Introduction
Hello! I’m Ken, editor-in-chief of Tokyo Insider Guide.
As of 2026, smartphone payments and credit cards are accepted in most places across Tokyo and Osaka. However, once you step into a “hidden gem” ramen shop in a back alley or visit a traditional temple to buy a lucky charm, you will still frequently encounter “Cash Only” signs.
To avoid the panic of running out of money, check out this guide on which ATMs work best with overseas cards. In Japan, convenience store ATMs are your strongest allies!
Ken’s TIP: There are two main types of ATMs in Japan: those inside banks and those inside convenience stores. For tourists, “Convenience Store ATMs” are overwhelmingly more convenient. They are open 24/7 and offer perfect English support!
【Ken’s Choice】 3 Best ATMs for Overseas Cards
I’ve picked the most reliable ATMs that are found nationwide and guaranteed to accept cards issued outside of Japan.
1. 【Ultimate Convenience】 Seven Bank (7-Eleven)
- Overview: Installed in over 20,000 7-Eleven stores nationwide. They support almost all international brands, including VISA, Mastercard, Maestro, Cirrus, UnionPay, American Express, and JCB.
- Ken’s Point: The best feature is the support for over 12 languages. Since you can choose both the screen language and voice guidance, you won’t get lost even if it’s your first time. They are a tourist’s best friend, providing cash 24/7 on almost every street corner.
2. 【Public Reliability】 Japan Post Bank (JP Bank / Post Office)
- Overview: These are the green ATMs located in post offices. Their strength lies in their presence not only in cities but also in small rural villages and remote islands. They are also found in some FamilyMart stores.
- Ken’s Point: This will be your main choice if you travel to the countryside. However, keep in mind that ATMs inside post office buildings may close at night or on weekends. It’s a good tip to check the operating hours in advance.
3. 【While Shopping】 Aeon Bank (Aeon Mall / My Basket)
- Overview: Located in “Aeon” shopping malls and “My Basket” mini-supermarkets. Look for the bright pink machines.
- Ken’s Point: Very convenient for a quick withdrawal while grocery shopping. They have also improved their support for international cards, and I’ve noticed they are particularly reliable for reading cards from Asian countries.
【Detailed List】 ATM Network Comparison
Here is a summary of terms and locations for cards issued outside of Japan.
| ATM Name | Main Locations | Operating Hours | Supported Brands (Ex.) |
|---|---|---|---|
| Seven Bank | 7-Eleven, Airports, Stations | 24 Hours | VISA, MC, JCB, Amex, UnionPay |
| JP Bank | Post Offices, FamilyMart | Varies by location | VISA, MC, JCB, Amex, UnionPay |
| Lawson Bank | Lawson stores | 24 Hours | VISA, MC, JCB, Amex, UnionPay |
| E-net | FamilyMart, others | 24 Hours | VISA, MC, JCB, UnionPay |
Ken’s Final Advice
- Always Choose “Local Currency” (JPY) for DCC: Some ATMs ask if you want to be charged in your “Home Currency” or “Local Currency (Yen).” Choose “Local Currency (Yen)” without hesitation. Choosing your home currency often adds a very high exchange fee.
- PIN is 4 Digits: Japanese ATMs basically use a 4-digit PIN code. If your card has a 6-digit PIN, it’s a smart move to check with your bank beforehand.
- Watch the Limits: Be aware of both the ATM’s withdrawal limit (e.g., 100,000 JPY per transaction) and your own card’s “International Cash Advance Limit” or “Daily Spending Limit”!
Summary
For your 2026 trip to Japan, as long as you can find a 7-Eleven or a Post Office ATM, you won’t have to worry about a cash shortage. Use ATMs wisely to enjoy the best of both worlds—cashless convenience and the charm of cash-only local spots!
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