Skip to main content

ATMs That Accept Foreign Cards in Japan

ATMs that accept foreign cards in Japan cluster in two networks you can plan around: Seven Bank machines inside 7-Eleven stores and Japan Post Bank machines at post offices.12 Learn which machine to walk to, what each one costs and dispenses, and you will rarely be caught without yen.

Confirm current details with official sources

Fees, rules, and requirements can change. Confirm current details at Seven Bank and Japan Post Bank official pages and JNTO.

Overview​

Most ordinary Japanese bank ATMs are built for domestic cards, so visitors should ignore them as a default plan and head for convenience-store and post-office machines instead.3 JNTO adds that many places, especially rural areas, still accept only cash, so carrying some cash remains the safe default.4 The two reliable networks both offer English-language interfaces and long track records with foreign-issued cards.3

セブン銀行 (Sebun Ginkō, "Seven Bank") operates the ATMs inside 7-Eleven stores and is the default choice in cities and along tourist routes.1 ゆうちょ銀行 (Yucho Ginkō, "Japan Post Bank") operates the ATMs at post offices and is the nationwide backup, especially where convenience stores are thin.2

7-Eleven ATMs Are Your Default Choice​

Over 28,000 Seven Bank ATMs stand at 7-Eleven stores across Japan, usable day or night (as of 2026-09; confirm current figures with Seven Bank).1 That density is the practical reason to default to them: in urban areas a machine is usually a short walk away at any hour.

Where to find a Seven Bank ATM​

Beyond 7-Eleven stores, Seven Bank machines stand at international airports including New Chitose, Narita, Haneda, Chubu Centrair, Kansai, Fukuoka, and Naha, plus department stores, supermarkets, outlet malls, major train stations, and commercial facilities.1 Seven Bank publishes an English ATM locator for finding the nearest machine.1

Cards accepted and languages on screen​

Seven Bank ATMs accept Visa, Plus, Mastercard, Maestro, Cirrus, UnionPay, American Express, JCB, Discover, and Diners Club, though some cards bearing these marks may not be accepted (as of 2026-09).15 Machines run 365 days a year, with per-brand windows such as 0:00 to 24:00 for the Visa and Mastercard families (as of 2026-09).5

The operating flow is consistent: insert the card, select a language, select Withdrawal, select the account, enter the PIN and press Confirm, select the yen amount, select the billing currency, then take the cash, card, and receipt.6 Screens, receipts, and voice guidance come in 12 languages when using cards issued overseas.3

Japan Post Bank Is the Nationwide Backup​

Cards bearing Visa, Plus, Mastercard, Maestro, Cirrus, JCB, China UnionPay, and Discover marks work at all Japan Post Bank ATMs nationwide, though balance inquiry is not available (as of 2026-09; confirm current figures with Japan Post Bank).2 American Express works at selected ATMs only (as of 2026-09).2

Machines stand at Japan Post Bank branches and post offices, with some at train stations and supermarkets, and the service runs in English.23 That footprint makes Post Bank the backup that covers small towns and rural itineraries where 7-Eleven coverage thins out.

Post office hours set the ATM hours​

Branch and post-office machines run Monday to Saturday from 7:00 a.m. to 11:00 p.m., excluding holidays, and Sundays, holidays, January 1 to 3, and December 31 from 7:00 a.m. to 9:00 p.m. (as of 2026-09).2 Hours vary by machine, and some ATMs are unreachable depending on location (as of 2026-09).2

Compact ATMs inside FamilyMart stores run longer, Monday to Sunday from 0:05 a.m. to 11:55 p.m., starting 7:00 a.m. on the third Monday (as of 2026-09).2 During long holidays such as year end, New Year, and Golden Week, hours may differ from published information because of system updates and site circumstances.2

Fees and Withdrawal Limits​

Expect two layers of cost on every withdrawal: a Japan-side ATM fee and your own card issuer's foreign-transaction or ATM fee (as of 2026-09; confirm current figures with each operator and your card issuer).2 The table below summarizes the operator side.

NetworkPer-transaction limitJapan-side feeAs ofSource
Seven Bank (7-Eleven)¥100,000 (¥30,000 magnetic stripe only)Varies by card brand, no yen schedule published2026-095
Japan Post Bank¥50,000¥220 tax included per use, certain cards issued abroad2026-092

Figures in this table reflect each operator's current published terms (as of 2026-09).52 Travel guides commonly report Seven Bank withdrawals costing roughly ¥110 to ¥220, but Seven Bank itself publishes only that fees vary by brand, so treat any yen figure for its machines as a reported range rather than an official schedule (as of 2026-09).5

What your home bank adds on top​

A fee set by your card-issuing institution may apply on top of any Japan-side charge, so confirm your own bank's fee structure before the trip; see Planning Your Cash Strategy Before You Fly for sizing that pre-trip check.2 Credit-card cash withdrawals can additionally carry cash-advance terms from the issuer, which is another reason to check before flying rather than at the machine.

Check your card issuer fees before you fly

Ask your bank about foreign ATM fees, daily withdrawal limits, and overseas-use settings before departure. That single check controls most of what a withdrawal actually costs.

How to Withdraw Cash Step by Step​

The machine flow below assumes a Seven Bank ATM, the option with the widest language support.63 Post Bank machines follow the same shape with screens arranged differently.

The decision to make before touching a machine is which network to walk to:

Insert the card and select your language first, then Withdrawal, then the account the card draws on.6 Enter the PIN and press Confirm; if an incorrect-PIN error appears, contact the card issuer rather than guessing repeatedly.6

Select the yen amount within the per-transaction limit. If the machine rejects a large amount, reduce it and transact again.6 Machines may also be unavailable during system maintenance, so a second nearby machine is worth trying before assuming the card is the problem.6

At the currency screen, choose to be charged in yen. Seven Bank explains that picking the home currency fixes the amount in that currency at machine-use time, while picking yen settles in yen with the home-currency amount fixed later at billing.6 Japan Post Bank notes settlement may finalize in the issuing-country currency for certain cards.2

Why Regular Bank ATMs Are Unreliable by Default​

Ordinary domestic bank-branch ATMs are built around domestic card protocols and frequently reject foreign-issued cards outright or accept them only at limited locations and hours. JNTO documents international-card withdrawals at some Mizuho, MUFG, and SMBC branch ATMs, but branch-level availability is not nationwide reliability, and secondary reporting consistently describes most domestic branch machines as foreign-card hostile (as of 2026-09).3

Do not plan around ordinary bank branch ATMs

Treat Mizuho, MUFG, SMBC, and regional bank branch machines as unreliable by default. Default to Seven Bank first and Japan Post Bank second.

The practical rule is simple: walk past the bank branch and into the 7-Eleven or post office. Airport ATMs from the two reliable networks are the easiest first withdrawal right after arrival.1

Good to know​

Post Bank ATMs follow post-office hours, not convenience-store hours​

Branch and post-office machines close in the evening, at 11:00 p.m. on weekdays and 9:00 p.m. on Sundays and holidays, and shift during long holidays.2 Plan evening and weekend withdrawals around a 7-Eleven instead of assuming every ATM runs around the clock.52

Always choose to be charged in yen at the currency screen​

Picking the home currency at the machine fixes conversion on the operator's terms at that moment, while picking yen defers settlement to billing through the card network.6 The screen can look like a convenience choice, but it directly changes what the withdrawal costs.62

Check your home bank fees and travel notice before you fly​

Issuer-side fees stack on top of any Japan-side charge, and issuer settings govern whether the card works abroad at all.2 Japan Post Bank explicitly points travelers to their own issuer for both questions, which makes this a pre-trip task rather than an arrival task.2

If the machine rejects a large amount, retry with a smaller one​

Per-transaction caps bind before any daily limit does: Seven Bank allows ¥100,000 per withdrawal, or ¥30,000 for magnetic-stripe-only cards, while Japan Post Bank allows ¥50,000.52 Seven Bank instructs travelers who exceed the limit to reduce the amount and transact again.6

See also​

References​

Footnotes​

  1. Seven Bank, Ltd. "You can withdraw Japanese yen from ATMs at 7-Eleven stores." https://www.sevenbank.co.jp/intlcard/index2.html ↩ ↩2 ↩3 ↩4 ↩5 ↩6 ↩7

  2. Japan Post Bank. "International ATM Service (Withdrawals for cards issued abroad)." https://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html ↩ ↩2 ↩3 ↩4 ↩5 ↩6 ↩7 ↩8 ↩9 ↩10 ↩11 ↩12 ↩13 ↩14 ↩15 ↩16 ↩17 ↩18 ↩19 ↩20

  3. JNTO. "Currency." https://www.japan.travel/en/plan/currency/ ↩ ↩2 ↩3 ↩4 ↩5 ↩6

  4. JNTO. "Cashless Payments in Japan." https://www.japan.travel/en/plan/cashless-payments-in-japan/ ↩

  5. Seven Bank, Ltd. "Overseas Cards Usable at ATMs." https://www.sevenbank.co.jp/intlcard/card2.html ↩ ↩2 ↩3 ↩4 ↩5 ↩6 ↩7

  6. Seven Bank, Ltd. "How to use ATM: Cash cards and credit cards issued overseas." https://www.sevenbank.co.jp/intlcard/service2.html ↩ ↩2 ↩3 ↩4 ↩5 ↩6 ↩7 ↩8 ↩9 ↩10